Tiny homes on wheels (THOWs) occupy a unique space in the insurance world — they are not quite a car and not quite a house, which means standard policies often leave them unprotected.
Why Standard Policies Fall Short
Auto insurance covers vehicles in transit but typically will not cover your living space or personal belongings inside. Homeowners insurance covers structures on a permanent foundation — your wheels-based tiny home does not qualify. Renters insurance covers belongings but not the structure itself.
What THOW Insurance Should Include
A proper tiny home on wheels policy should cover: the structure itself, your personal property inside, liability protection, and transit coverage when you are moving between locations. Some policies also include coverage for temporary hookup utilities and slide-out components.
Colorado-Specific Considerations
Colorado has unique weather risks — hail, heavy snow, and wildfire — that make comprehensive coverage especially important. Make sure your policy covers these perils specifically and that your coverage limits reflect replacement cost, not actual cash value.
Working with a specialist who understands THOWs means you get a policy built for your home, not a generic approximation.