First of all, we want to say that we appreciate your support of our tiny home insurance program. When we started this we had no idea of the demand and have been overwhelmed by the increased interest over the last few years. The evolution of this program changes daily as we bring on new states, new carriers and new coverages to fill in gaps that we find or you present to us. The risks and the policies that we offer are much different than traditional home and auto insurance. We take each request one by one and do our best to find the best solution at the best value. By doing this it takes much longer than other insurance products that you may have purchased in the past.
Insurance is the art of combining a large number of homogeneous risks and allowing the law of large numbers work to predict the loss outcome. If the insurance carrier accurately predicts the outcome and sells the product at an actuarial sound rate, the company will make an underwriting profit. To be homogeneous, risks must share a large number of key characteristics....the tiny house movement and tiny home insurance is the opposite of that. Down the road it will improve but, right now it just doesn't fit existing programs for most insurance carriers.
Additionally, many of the tiny home risks are at different stages and priorities. We do our best to act accordingly to your timeline but, as in most cases the squeaky wheel gets the grease.
And lastly life happens...things have come up in the past year that have delayed progress and our daily to-do lists. Bottom line we are doing to best take care of each of you.
The good news...is we launching a new system Monday to track tiny home insurance requests, quotes and policies. This system give you a better response time and a better customer experience. If you have any suggestions, feedback, or are still awaiting for a quote let us know.