Our friends at Resilient Shelter Group have had a couple open houses for their tiny container home for sale. One of the biggest questions was “how is this insured?” and that’s a great question!
Unlike a typical home owners insurance policy, tiny homes on wheels and container homeshave different risk exposures. The vast majority of container homes are anchored to a foundation and are not usually mobile. However with a shipping container as its core, with its 14guage cor-ten (corrosion resistant, high tensile strength) steel, this structure is guaranteed to be wind and water tight on sight. Resilient Shelter Group adds a rooftop deck with integrated drainage troughs or a pitched roof to redirect water.
One of the many advantages of using a container is their inherent versatility.
“They can go on a low-deck flatbed trailer as a luxurious and storm resistant travel trailer, they can go on a conventional stemwall foundation, or they can go on piers overlooking the ocean” says Shawn Baird of Resilient Shelter Group With this there are different risks to consider before choosing the right insurance policy for you.
Particularly after last year’s storm season, many travel trailers, RVs, and mobile homes ended up on their roof and/or destroyed. People are starting to say “we can’t just keeping rebuilding. We have torebuild smarter!.” Please note that we cannot insure tiny homes on wheels in a hurricane zone during hurricane season or anywhere within 30 miles of the coast line. Why not consider a more storm resistant structure like a well crafted container home?
Baird thinks he has the solution. “Imagine a beach bungalow that was constructed of cor-ten steel, had the option of hurricane rated doors and windows — as well as storm shutters (we save the metal that is removed for our doors and windows and use it to provide an optional storm shutter to our buyers) — and that left the integral container roof intact and untouched. Even if the auxiliary roof and decks were blown away in a storm, the welded roof of the container is intact, and the house is undamaged and fully functional. Imagine what that could mean to a community that is faced with rebuilding, and what that could mean from an insurance perspective.” Great points!
A bit more about Shawn:
Shawn worked himself through architecture school and then interior
design school by working construction, and has been known to say that he
learned far more on a job site than he ever did in a class or studio
setting. Shawn has spent 15 years as a Residential Designer
specializing in self sufficient estates, farms, and survival retreats.
In addition to being an avid crossfitter and Krav Maga instructor, Shawn
has a passion for functional fitness, natural energy systems (from
passive heating/cooling to sailing), a hunger for knowledge and
continual improvement, and an overwhelming respect for the early