{"id":8944,"date":"2020-05-10T14:53:10","date_gmt":"2020-05-10T18:53:10","guid":{"rendered":"https:\/\/multi-risques.com\/trucs-et-conseils\/did-you-say-small-house\/"},"modified":"2026-04-27T15:57:19","modified_gmt":"2026-04-27T19:57:19","slug":"did-you-say-small-house","status":"publish","type":"cke_blogue","link":"https:\/\/multi-risques.com\/en\/tips-and-advice\/did-you-say-small-house\/","title":{"rendered":"Did You Say Small House?"},"content":{"rendered":"\n

The concept of tiny houses (or micro-houses) emerged in 2008 in the United States while the country was experiencing a severe economic crisis. At the time, the idea was to make home ownership more accessible, even to the most modest households. Today, the American concept of tiny houses<\/em> has made its way to Quebec, and more and more mini-house housing projects are being developed across the province. <\/p>\n\n

In this article, Assurances Multi-Risques would like to tell you about these ultra-trendy micro-homes and explain the different types of home insurance coverage available for tiny houses!<\/p>\n\n

What is a tiny house?<\/h2>\n\n

A tiny house (or tiny cottage) is a dwelling with less than 1,000 f2<\/sup> of living space (most models range from 300 to 500f2<\/sup>) and can be either stationary (built on a foundation) or mobile (like a trailer).<\/p>\n\n

Such a home is very advantageous from an economic and ecological point of view, as it consumes very little energy for heating in particular, and requires far fewer materials for its construction. Not to mention all the money saved on taxes, maintenance, furnishings, or simply the purchase price! <\/p>\n\n

So despite its small size, it has very little to envy in larger homes. Tiny houses offer a small, warm, and welcoming space, perfect for a single person, a couple, or a small family! Some models are breathtaking and remind us of those cozy little cabins we dreamed of living in when we were young! <\/p>\n\n

\"Modern<\/figure>\n\n

Regulations and laws surrounding the construction of tiny houses<\/h2>\n\n

In Quebec, very few municipalities currently agree to issue building permits for tiny houses. This is mainly for financial reasons (small houses = low property taxes), but it should also be noted that Quebec’s national building code does not cover dwellings smaller than 700 square feet. <\/p>\n\n

In addition, Quebec provincial regulations on building construction and conversion prohibit the construction of buildings smaller than 275 square feet for a studio, and smaller than 320 square feet for a single-family home with one bedroom. Municipal zoning regulations generally determine the minimum size of a house per sector, which often requires an administrative exemption process. It is also prohibited to install a tiny house as a residential annex on land that is already built on. <\/p>\n\n

But thanks to the growing popularity of this concept of energy-efficient mini-homes, more and more municipalities are accepting these projects. In the Eastern Townships, we find such developments in Farnham, Knowlton, Granby, Saint-\u00c9tienne-de-Bolton, Drummondville, and even in Sherbrooke with Le Petit Quartier<\/strong>, a cooperative of mini-home owners. <\/p>\n\n

What type of insurance is needed to cover a tiny house?<\/h2>\n\n

Like any valuable asset, it is important to properly insure your tiny house to avoid problems in the event of a disaster.<\/p>\n\n

Si vous souhaitez installer votre petite habitation sur un terrain de fa\u00e7on permanente, que ce soit \u00e0 titre de r\u00e9sidence permanente ou comme chalet, vous devrez souscrire \u00e0 une assurance habitation standard<\/strong><\/a>, adapt\u00e9e \u00e0 vos besoins.<\/p>\n\n

Vous d\u00e9sirez plut\u00f4t une mini-maison sur roues afin de pouvoir vous d\u00e9placer au gr\u00e9 de vos envies ? Il vous faudra alors souscrire \u00e0 une assurance pour v\u00e9hicule r\u00e9cr\u00e9atif <\/strong><\/a>ou une assurance caravane <\/strong>(si vous pr\u00e9voyez d\u00e9placer votre mini-maison une fois ou moins par ann\u00e9e). Celle-ci devra \u00e9galement \u00eatre immatricul\u00e9e aupr\u00e8s de la SAAQ<\/a>, toute comme une roulotte. N\u2019oubliez pas que si vous ne poss\u00e9dez aucun domicile fixe, il est important d\u2019acqu\u00e9rir un contrat d\u2019assurance nomade<\/strong> qui vous prot\u00e9gera d\u2019un point de vue \u00ab responsabilit\u00e9 civile \u00bb, laquelle serait pr\u00e9sente en temps normal dans un contrat d\u2019assurance habitation.<\/p>\n\n

Finally<\/h2>\n\n

Bien qu\u2019elles soient petites (et surtout tr\u00e8s charmantes!), les mini-maisons m\u00e9ritent la meilleure des protections. Si vous souhaitez obtenir plus d\u2019information \u00e0 ce sujet ou si vous souhaitez faire une demande de soumission, n\u2019h\u00e9sitez pas \u00e0 contacter l\u2019un de nos courtiers<\/a> sp\u00e9cialis\u00e9s en assurance habitation et v\u00e9hicule r\u00e9cr\u00e9atif! Il saura vous \u00e9clairer et vous aider \u00e0 faire le meilleur choix vous concernant! Bas prix garanti!<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"Multi-Risk Insurance explains the different types of home insurance coverage available for tiny houses!","protected":false},"featured_media":8351,"template":"","cke_assurances_tax":[],"cke_assurances_types":[],"cke_post_display":[102],"class_list":["post-8944","cke_blogue","type-cke_blogue","status-publish","has-post-thumbnail","hentry","cke_post_display-produit"],"acf":[],"mb":[],"mfb_rest_fields":["title"],"_links":{"self":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_blogue\/8944","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_blogue"}],"about":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/types\/cke_blogue"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/media\/8351"}],"wp:attachment":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/media?parent=8944"}],"wp:term":[{"taxonomy":"cke_assurances_tax","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_assurances_tax?post=8944"},{"taxonomy":"cke_assurances_types","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_assurances_types?post=8944"},{"taxonomy":"cke_post_display","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_post_display?post=8944"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}