Optimized storage, bold design, a reimagined lifestyle—tiny houses are becoming increasingly popular in Quebec! They can be an excellent option, whether you want to use them as your primary residence, your vacation home, or even your mobile home! However, you must ensure that it is well protected.
This article presents the different insurance coverages available depending on the use you will make of your tiny house.
The craze for tiny houses!
Many Quebecers have set their sights on this formula, which provides better access to home ownership. They are a great way to reduce housing expenses. The construction cost is lower, of course, but so are municipal taxes.
What’s more, they help reduce your environmental footprint, as they use fewer materials and consume less energy.
Several of these tiny houses are designed to generate their own energy. They can also run on solar energy or offer new ways to collect rainwater or treat wastewater.
For many Quebecers, tiny houses offer a great opportunity to live in near self-sufficiency. A promise of independence, of freedom!
Tiny houses offer ingenious ways to concentrate your living spaces without too many compromises. Storage space under the stairs, a compact but functional bathroom, a kitchen sink concealed under a removable countertop: mini-home designers are getting increasingly creative in their efforts to make the most of small spaces.
More and more municipalities are now dedicating entire neighborhoods or allowing the construction of tiny houses on their land, in accordance with their municipal regulations.
Micro, mini, small: do you know the difference?
There are various categories of small residences. Micro-homes have a floor area of 300 square feet or less. Tiny houses range in size from 300 to 600 square feet. Finally, tiny houses can offer between 600 and 1,000 square feet of living space.
The size of your tiny house will affect the cost of your home insurance policy. In the event that a fire destroys your home, for example, the cost of replacing it would vary depending on the extent of the damage.
What insurance for your tiny house?
That’s a good question, and it all depends on how you use it. If it’s your primary residence, regular home insurance will be right for your needs.
Whether it’s your second home, cottage, or seasonal residence, our brokers will offer you a tailored insurance policy.
Vous n’êtes pas du genre à vous enraciner? Si vous possédez une mini-maison sur roues que vous déplacez au gré de vos aventures, vous devrez alors souscrire une assurance pour véhicule récréatif ou encore une assurance caravane. Cette assurance s’applique pour toute personne qui prévoir déplacer sa maison au moins une fois par année.
If this is the case for you, be sure to register your tiny house with the SAAQ. You would do the same for a recreational vehicle or trailer.
If you live in your motorhome all year round, you may not have a fixed address (no permanent residential address). A travel insurance policy will likely be the best option for you. This protects you from a civil liability standpoint, just as a home insurance policy would.
Our brokers can help you see things more clearly! They will find the right insurance policy for you, tailored to your taste for freedom!