How To Insure a Park Model RV Tiny Home

Written By Jimmy Hickey

Getting insurance on a Park Model RV is one of the final steps before you can fully enjoy your new space. The good news is that with the right wording and the right type of company, the process can be simple and predictable.

This guide covers:

  • What you are actually insuring

  • The type of policy that usually fits

  • Typical price ranges

  • Site setup basics

  • A checklist of info to have ready

  • Five insurance companies to look at first, with links and phone numbers

Follow this general path, and you are much less likely to hear weird answers or hit walls.

1. Know What You Are Insuring

All of our Park Model RV’s we sell are:

  • RVIA certified

  • Built to the ANSI 119.5 standard

  • On a chassis designed as Park Model RVs

Insurance companies sort homes into categories, like:

  • Standard site-built home

  • Manufactured or mobile home

  • RV or Park Model RV

  • Small or “tiny” dwelling

When you start calling around, you want your unit to land in the Park Model / manufactured / specialty RV side, not in the “tiny house” or “small home” bucket.

When you talk to an agent, a simple way to describe it is:

“I have an RVIA Certified ANSI 119.5 Park Model RV on its chassis, placed on private property.”

Then add if it is in a backyard, on its own land, or in an RV or park community.

2. The Kind Of Policy You Are Usually Looking For

You are generally not trying to bolt this onto a standard homeowners’ policy for a regular house. Instead, most people end up with something like:

  • Manufactured or mobile home insurance

  • Park model insurance

  • Specialty RV or seasonal home coverage

Those products are used to seeing:

  • A chassis under the home

  • Blocking and skirting instead of a full permanent foundation

  • Gravel or prepared ground instead of a poured slab

Common pieces of coverage people look for:

  • Physical damage coverage for the home

  • Liability coverage

  • Optional contents coverage for belongings inside

  • Optional loss of use or additional living expense coverage

You can mention those when asking for quotes so the agent knows what you want.

3. What A Normal Price Range Looks Like

Pricing varies by state, company, value of the home, and coverage levels, but manufactured and mobile home style policies usually fall into a similar range.

Several industry sources put typical mobile or manufactured home insurance in the roughly 800 to 2,000 dollars per year range, with some policies lower and some higher depending on risk and options.

For a Park Model RV insured in a similar way, most owners see something in that ballpark:

  • Lower side: a few hundred dollars per year for basic coverage

  • Common middle: around 900 to 2,000 per year

  • Higher side: up to the mid 2,000s for higher value or more coverage

If you start hearing quotes that are many thousands above that, chances are the home is getting dropped into the wrong category or being wrapped into a full dwelling package that you might not actually need.

4. Basic Site Setup

Site setup does matter, but mostly from a safety and common sense standpoint, not as some big extra hoop.

Park Model RVs are traditionally not set on a permanent foundation. They are usually:

  • Blocked and leveled on cement blocks or metal piers

  • Sometimes set on a simple gravel pad for better drainage and stability

In most areas, Park Model RVs can be installed on:

  • A compacted gravel pad

  • A block and pier system that meets local code

  • A concrete pad, if the owner prefers

From an insurance point of view, the main things are:

  • The home is stable and properly blocked

  • Water is not pooling under it all the time

  • The setup follows local rules

That is it. You do not need a full house-style foundation. You just want a solid, code-compliant setup that looks like a normal Park Model RV install for your region.

5. Information To Have Ready Before You Call

You will get much better and faster answers if you have this info in front of you:

  • Year, make, and model of the Park Model RV (We will send this to you once you place the order)

  • Length and width

  • Purchase price or replacement value

  • Exact address where it will sit

  • How it will be used:

    • Full time living

    • Guest house or family use

    • Airbnb or rental

    • Seasonal or part time

  • Whether it is in:

    • A backyard or side yard

    • An RV or tiny home park

    • On rural or private land

You can also mention if you have other policies with that company, like auto or a standard home, since bundling can sometimes help.

Copy + paste email/message for insurance agents

Subject: Insurance quote for Park Model RV

Hi there,

I am looking for an insurance policy for my Park Model RV and wanted to see what options you have available.

Details about the home:

  • It is an RVIA Certified ANSI 119.5 Park Model RV

  • It is on its chassis, placed on private property

  • It is not a site-built tiny home or ADU

  • It will be used as: [full-time living / guest house / rental / seasonal use]

  • Location: [city, state and zip]

  • Size: [length x width]

  • Purchase price / value: [amount]

From what I understand, this usually fits under a manufactured home, mobile home, park model, or specialty RV-style policy, not a standard homeowners policy.

Can you let me know:

  1. If your company writes this type of risk

  2. What type of policy it would fall under

  3. A rough price range for annual premium with:

    • Dwelling coverage

    • Liability coverage

    • Optional contents coverage

If this is something you handle, I am happy to provide any additional details you need for a formal quote.

6. Five Insurance Options With Links And Phone Numbers

Availability always depends on the state and local regulations, so you should confirm everything with a licensed agent where the home is located. These are common names in the park model, manufactured home, and specialty property space, plus a direct way to contact each.

1. 21st Mortgage – Our Primary Recommended Option For Financed Homes

For customers who finance their Park Model RV, 21st Mortgage is often the smoothest path, because:

  • They already have all your home details from the loan

  • They understand Park Model RVs and manufactured housing

  • They can bundle the required insurance with the financing process

If you are financing through 21st Mortgage, it usually makes sense to start with their insurance offering first.

You can ask your loan rep about their insurance options for Park Model RVs, or call the main line and request to talk to someone about insurance for a financed park model.

2. Foremost Insurance

Foremost is well known for mobile, manufactured, and park model home coverage, including homes in parks or on private property.

You will usually work through a local agent, but that number gets you pointed in the right direction if you are not already tied to one.

3. American Modern Insurance

American Modern focuses heavily on specialty property types, including manufactured homes and related structures.

If an independent agent says they write a lot of manufactured or mobile homes, there is a good chance American Modern is one of their go to companies.

4. CoverTree

CoverTree is a newer, tech forward company that specifically markets insurance for manufactured, modular, and park model homes.

They are set up to handle things online and over the phone, which is handy if local agents are unfamiliar with park models.

5. National General

National General, part of the Allstate family, offers RV and specialty property coverage in many states, and is sometimes used for park models and similar units.

If you already have auto or RV coverage with them, it is worth asking if they can cover your Park Model RV at your location.

7. What Happens If You Do Not Use The Right Park Model RV Language

If you skip the details and just call around saying “tiny home” or “small house on a trailer,” you are more likely to:

  • Get pushed toward full dwelling policies aimed at small site-built homes

  • Be told it must sit on a permanent concrete foundation

  • Hear “we do not insure those,” even though they would insure the right category

That experience is very common and is usually about misclassification, not a problem with your home.

If you:

  • Call it an RVIA Certified ANSI 119.5 Park Model RV

  • Ask for manufactured, mobile, park model, or specialty RV style coverage

  • Start with companies that already see these units regularly

you will usually land on a reasonable, clear policy a lot faster.

8. Final Thoughts

With the right information, getting insurance for a Park Model RV can be a simple, straightforward step in the process.

You can use this guide as a quick checklist:

  • Describe your home as an RVIA Certified ANSI 119.5 Park Model RV

  • Let the agent know you are looking for a manufactured, mobile home, park model, or specialty RV style policy

  • Have your basic details ready: size, value, location, and how you plan to use it

  • Get quotes from a couple of companies so you can compare

We are here to help any way we can. We hope this guide makes the process easier, and if you have any other questions, feel free to reach out.

Jimmy Hickey
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