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Who insures it · 2 named markets · read 2026-10-28

Who insures tiny homes and treehouses?

Tiny homes and treehouses is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

2 markets publicly write tiny homes and treehouses: American Modern Insurance Group, Strategic Insurance Agency / Access One80 (One80 Intermediaries). 1 admitted carrier, 1 program administrator.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
American Modern Insurance Group
Admitted carrier		Tiny homes as an eligible class in the manufactured home program ('Modular home or tiny home' listed under What's eligible)
“We cover a wide range of manufactured homes, from single-family or multi-sectional to modular or tiny homes.”		not statednot statedagents.amig.com · read 2026-10-28
Strategic Insurance Agency / Access One80 (One80 Intermediaries)
Program administrator		Exclusive tiny home insurance program, presented as 'Tiny Home Insurance, An Access One80 Product' (Access One80 is a dba of One80 Intermediaries)
“we have created a special exclusive tiny home insurance program!”		48 statesnot statedmystrategicinsurance.com · read 2026-10-28

Treehouses: only one market verified (Safely lists 'Treehouse' among covered short-term rental property types); Proper Insurance, InsuraGuest, Foremost and American Modern pages do not mention treehouses. MAC Insurance (tinyhouseinsurance.info, 40+ states) is a retail agency, not a market, so it is not listed. American Modern's tiny home sell sheet PDF on agents.amig.com also says 'We place tiny homes in our manufactured home program'.

How tiny homes and treehouses gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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