If your tiny house structure is to be placed on a foundation, you can obtain homeowner's insurance in the usual way. However, if it is 'on wheels', whether removable or not, there are several other pathways to insuring these unique structures. I will provide links below to those insurance sources that have worked for my previous clients. Still, I do recommend shopping around as there is no one-size-fits-all insurance for tiny houses and similar structures. Insurance will vary depending on your intended use, location, and whether you plan to travel with your structure or not. Currently, it seems to go for $55/mo and up depending on your situation.
Although we would like to, we cannot offer long-term financing directly, as we are a small business. There are, however, various options for financing a project:
- Lightstream Finance - which is an online lender. This usually requires good credit and/or some collateral.
- Personal loan from your bank or credit union. This has the advantage of lower interest rates than most other methods.
- Get a loan from friends or family.
- Here is a free e-book that may help: Tiny House Loans by Alex Pino
When you are shopping for financing, it might help to keep in mind: Zyl Vardos structures hold their value extremely well, because of our extremely high building standards and maintainable designs. Zyl Vardos currently builds to International Residential Code, National Fire Protection Code, and American Tiny House Association guidelines.