Tiny House Insurance in Colorado

Your home expense is undoubtedly a large portion of your monthly expenses. Paying for your home includes:

• Your rent or mortgage payment
• Home or renter’s insurance
• Utilities, etc.

Buying the largest house that you could afford was once commonplace, but many people are shunning this old way of thinking and are buying tiny homes.

If you desire to have a tiny home and want to insure it, enter your ZIP code above and start comparison shopping for better insurance today!

The New Fad of Tiny Homes

A tiny house usually is a home that is 325 square feet or less, but some are as large as 700 square feet. The popularity of tiny houses has skyrocketed in recent years because of several TV shows, such as:

• Tiny House Nation on the FYI channel
• Tiny Houses: Living Large in a Small Space on the DIY Network channel

HGTV also has several shows on the air, such as:

• Tiny House Hunters
• Tiny House Builders
• Tiny House, Big Living

Despite the growing interest in tiny homes, some real estate agents still see them as a fringe fad that will not take hold in mainstream American culture.

However, some people who aren’t quite ready to make the bold leap of going tiny may still consider downsizing to a smaller and more affordable home, which still creates an increased demand for smaller homes in some markets and decreased demand for larger or luxury homes.

Tiny Homes: The Newest American Dream

For some people, selling most of their possessions and moving into a tiny space can seem cramped and uncomfortable.

However, many people who have made this change have stated that it fills invigorating and makes them feel freer and happier. They have less stuff to keep track of or care for, and their possessions include only the necessities.

Money, however, is one of the primary reasons people choose to go tiny. Many are frustrated spending long, stressful hours away from their loved ones each day and not having time available to live life on their own terms.

By dramatically reducing housing costs in several ways, some people are able to retire early, work as a contractor, or enjoy an otherwise more flexible lifestyle.

Building Tiny Homes in Colorado

Many people are excited by the possibility of improving their lifestyle through tiny house living. However, before you make any permanent decisions, you need to review costs, builders, timelines, and insurance costs to ensure that this is the right move for you to make.

There are several tiny house builders and designers in Colorado. Each has unique strengths and benefits, and you should consider consulting with a few builders in person before deciding which company to sign on with.

– Tumbleweed Tiny House Factory in Colorado Springs

The Tumbleweed Tiny House Factory in Colorado Springs is an established builder and designer that specializes in making smaller tiny houses under 300 square feet.

However, you can work with your designer to build a larger tiny house if desired. The company can assist you in finding land to put your tiny house on, and it also offers several already-built tiny homes for sale if you need to move in immediately.

– Rocky Mountain Tiny Houses in Durango

Rocky Mountain Tiny Houses in Durango is one of the leading tiny home builders in the country. It focused on using quality materials and customizing the homes perfectly to fit clients’ needs.

Each tiny house that it builds is unique so that the homeowners are comfortable living in the space.

However, you can view many preliminary tiny house plans online to get some great ideas about the possibilities, and you can work with your designer to customize your home perfectly.

– Tiny Diamond Homes in Littleton

Tiny Diamond Homes is a custom tiny home builder located in Littleton, and it does not offer any model homes. All home designs that it creates are completely unique based on the budget and needs of the homeowner.

Quality materials and excellent craftsmanship are focal points because Tiny Diamond Homes strives to build homes that you can feel comfortable in for decades to come.

– MitchCraft Tiny Homes in Fort Collins

https://www.youtube.com/watch?v=fSF2t5scS28

Based in Fort Collins, MitchCraft Tiny Homes offers several plans for you to choose from, and it offers moderate customization capabilities. Uniquely, you can choose how finished you want your home to be, and this gives you great control over your budget.

For example, some people may want to finish out their space, but they may need help from MitchCraft Tiny Homes with the frame and basic structure of the home.

– Eco Cabins in Colorado Springs

If you are looking for a green building solution for your tiny home, Eco Cabins is a company to look more closely at.

It offers a few homes available for immediate purchase now, or you can select from one of the plans that can be partially customized based on your needs. The plans include several:

• Tiny homes
• Modular homes
• Park homes
• Specialty homes

– Tiny Homes of Mother Earth in Grand Junction

You can also reach out to Tiny Homes of Mother Earth, which is based in Grand Junction. This eco-friendly company offers classes and all of the green building materials you need to build your tiny home from the ground up.

It also offers several design plans and financing to help you get the ball rolling on your tiny home construction project.

– Sprout Tiny Homes in La Junta

Sprout Tiny Homes is a La Junta-based company that offers scalability for projects of any size. Its unique flexibility in this area makes it a popular choice for many people to consider when selecting a tiny home builder.

The company can even step in to complete a home that you have already started building yourself and do not have the time, energy, or skills to complete.

Where can I park a tiny home in Colorado?

Before you finalize your design and construction plans for a tiny home in Colorado, you need to think about where you will park your home.

Commonly, people will place the home on their own land or in the backyard of a friend or family member; some will even lease a portion of land from a homeowner for this purpose.

The cost of each of these solutions should be carefully reviewed to ensure that you can afford this aspect of your housing expense.

Many people see that most tiny houses are built on a trailer with wheels, making it easier for the home to be transported to any location that the owner desires. Some people wonder why people choose to live in a tiny home rather than an actual RV or motor home.

After all, there are dozens of makes and models of RVs and travel trailers available in a wide range of sizes.

One of the primary reasons why tiny homes are built on a trailer frame with wheels is to skirt around building codes.

By not being classified as a traditional home, the builder can take numerous shortcuts or think more creatively in different ways to keep the home as small as possible.

If you plan to move around a lot of your little house, it may be better to actually consider buying an RV or travel trailer instead of a tiny house.

– RV Parks

Another idea is to park your tiny home in an RV park or mobile home park. There are several lovely options available throughout Colorado to choose from.

– Vallecito Resort RV Park in Bayfield

The Vallecito Resort RV Park is located in Bayfield, close to the popular town of Durango.

It offers RV rental spaces for monthly and seasonal rates for an affordable price and has all of the features and amenities that you may be looking for in a tiny home community. Some of its features include:

• A dance hall
• A mini store
• A tackle shop
• Outdoor hot tubs, and more

– Sleepy Valley Mobile Home and RV Park in Colorado Springs

Sleepy Valley Mobile Home and RV Park has been an institution in Colorado Springs for more than 50 years. While it has a large selection of RV sites for you to choose from, it also has small homes and cabinets available for immediate rent.

It also has affiliated facilities in Canon City and Pueblo West. A store, a laundry facility, and a sports center are located on-site.

– Junction West RV Park in Grand Junction

The Junction West RV Park in Grand Junction offers rental spaces that are ideal for tiny homes. Located in western Colorado, this park features:

• A convenience store
• Free wireless Internet access
• A playground and splash pad for the kids
• Boat storage
• A laundry facility

This park is also located close to hiking trails, wineries, and more.

– Riverview RV Park in Loveland

When you stay at the Riverview RV Park in Loveland, you will enjoy scenic views of the Big Thompson River that runs alongside the park.

The park has an on-site tiny house that you can rent which can accommodate up to five people. There are other spaces available in the park that are ideal for placing your own tiny home on.

– High Country RV Park in Naturita

https://www.youtube.com/watch?v=9AGeegyTBQQ

The High Country RV Park in Naturita is a great place to consider if you want to live in the high country near the Rocky Mountains. From this park, you can enjoy ATV adventures, hiking, snowmobiling, horseback riding, and more.

This RV park is a no-frills park, and it provides you with your basic utilities services and a laundry facility.

– Peak View Park in Woodland Park

Peak View Park in Woodland Park sits at an elevation of 8,500 feet above sea level, and it offers stunning views of the surrounding landscape from many directions.

The park has numerous tiny homes available for rent, and you can also bring your own home to place in one of the RV sites.

– Tiny House Communities

Another idea is to move to a dedicated tiny house community. These are communities that mostly or only feature tiny homes like the one you intend to buy or build.

– Whispering Aspen Village

https://www.youtube.com/watch?v=5hYljGgeyas

Whispering Aspen Village is a small community located near Fairplay, which makes it easy for you to reach Breckenridge and other popular areas. Rental spaces are available on a part-time or year-round basis.

While the community has stunning mountain views, it also is rather private and secluded.

– River View at Cleora in Salida

Situated on the Arkansas River, the River View at Cleora community in Salida is poised to be the largest community of its kind in the country.

When completed, it will have 200 tiny homes as well as a restaurant, a community building, a fitness center, and more. These homes are built on-site, and residents typically lease them rather than own them.

– Walsenburg Community

The same community designer for the River View at Cleora community is also designing a smaller community in Walsenburg.

This community will have 33 spaces, and you can choose to build your own home or rent one from the property manager.

Auto Insurance for Tiny Houses on Wheels in Colorado

The type of insurance that you need for your tiny home will depend on the construction characteristics and the type of foundation that it has. The two primary options are RV insurance and insurance for manufactured homes.

– RV Insurance

RV insurance is designed specifically for a mobile residence. Therefore, if your tiny house will be on wheels, you may need to purchase this type of coverage.

There are special policies for full-time RV residents that may offer additional benefits and protections for you.

– Insurance for Manufactured Homes

A modular home is a manufactured home, rather than a site-built home. It may be placed on a permanent foundation after construction, but it was not actually built in the place where it currently stands.

This type of home is considered personal property rather than real estate, so the coverage options for a manufactured or modular home are different than the coverage available for a site-built home.

–Insurance Providers in Colorado

Are you wondering who to contact for insurance on a tiny home in Colorado? There are a few notable providers that others have reached out to for tiny home insurance in this state, such as:

• Martin Burlingame of Strategic Insurance Agency in Colorado Springs
• Darrell Grenz Insurance Agency
• Farmers Insurance

Just as a site-built home can be damaged or destroyed by fire, flooding, or other serious events, the same holds true for a tiny house. Insuring your tiny house is critical if you want to protect the value of your asset.

Consider shopping around today with at least three or four insurance companies to compare quotes, and repeat this step every six months to identify potentially better rates on the coverage you need.

When selecting your tiny house insurance policy, pay attention to the financial strength of the provider. The Internet is a great resource to use when researching providers.

You also should become familiar with the types of coverage that are available for tiny homes to determine the right coverage types and limits that you should purchase.

Looking to insure your tiny home in Colorado? Enter your ZIP code below and compare at least three to four policies today!