Live Free.
Live Tiny.
Live Protected.
Tiny home on wheels. Container conversion. Off-grid cabin on a lifestyle block. Standard insurers were not built for the way you live.
We compare insurers and find you the best suited policy for your tiny home.
Built for the Way Tiny Home People Live
Mainstream insurers designed their policies for 200m² houses in the suburbs. The tiny home lifestyle is different — and your cover should be too.
Tiny House on Wheels
Freedom to roam NZ's backroads, lifestyle blocks, and communities — with specialist cover that travels with you.
Off-Grid Cabin
Living off the grid on a lifestyle block or rural property, self-sufficient and surrounded by New Zealand nature.
Container Home
Architectural container conversions from Northland to Southland — specialist cover for non-standard construction.
Fixed Foundation
Compact homes built for intentional living — on rural sections, lifestyle blocks, or tucked into urban plots.
Why Standard Home Insurance
Falls Short
Get Your Tiny Home Quote
NZ-licensed advisers respond within 1 business day
How Mainstream Insurers Compare
Most NZ insurers weren't built for tiny homes. See where the gaps are — and why specialist cover matters.
| Cover Feature | AA Insurance | Initio | State / Tower | Specialist (via our advisers) |
|---|---|---|---|---|
| Tiny home on wheels (not fixed) | ✗ | ✗ | ✗ | ✓ |
| Off-grid systems (solar, battery, rainwater) | ✗ | ✗ | ✗ | ✓ |
| Container home / non-standard construction | ✗ | ~ | ✗ | ✓ |
| Owner-built / DIY tiny home | ✗ | ✗ | ✗ | ✓ |
| Transit cover when towing | ✗ | ✗ | ✗ | ✓ |
| Campground / lifestyle block siting | ~ | ✗ | ✗ | ✓ |
| Homes built under 2026 consent exemption | ✗ | ~ | ✗ | ✓ |
| Fixed tiny home with CoC & fixed foundation | ✓ | ✓ | ~ | ✓ |
Comprehensive Cover for Every Tiny Home
From the structure and contents through to transit, off-grid systems, and landlord cover — specialist policies built around how you actually live.
Building & Structure Insurance
Covers the physical structure of your tiny home against fire, storm, flood, earthquake, and accidental damage.
Contents Insurance
Protects your personal belongings inside your tiny home — furniture, electronics, appliances, clothing, and more.
Transit & Towing Cover
Specialist cover for tiny homes on wheels — protecting your home while it's being relocated or towed between sites.
Public Liability
Protects you if a visitor is injured at your tiny home or you accidentally damage someone else's property.
Off-Grid Systems Cover
Specialist cover for solar panels, battery banks, rainwater collection, and other off-grid infrastructure.
Loss of Use / Alternative Accommodation
Covers the cost of temporary accommodation if your tiny home is damaged and uninhabitable while repairs are carried out.
Three Steps to Specialist Cover
Tell Us About Your Home
Fill in the short quote form — your home type, location, what you need covered. Two minutes, no commitment.
Tiny home on wheels, container, off-grid, fixed — we handle them all.
A Specialist Contacts You
A NZ-licensed adviser who actually knows tiny homes reviews your details and reaches out within one business day.
No call centres. Real advisers who understand your lifestyle.
Choose the Right Cover
Compare options tailored to your situation and budget. No pressure, no hidden fees, no obligation.
Cover that fits your home exactly — not a standard template.
Ready to Protect Your Tiny Home?
We compare insurers and find you the best suited policy for your tiny home. NZ-licensed specialist advisers respond within one business day.
- ✓No-obligation quotes compared for you
- ✓Specialist tiny home advisers only
- ✓Covers tiny homes on wheels, containers & off-grid
- ✓Response within 1 business day
Your Tiny Home Deserves
Real Protection
Connect with a NZ specialist today. No obligation — response within one business day.
Get a Quote →No spam. No pressure. NZ-licensed advisers only.