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Oklahoma Is the Most Expensive State for Tiny Home Insurance

The cost to insure a tiny house in Oklahoma is $1,974 a year. Compared to the average rate across the 50 states and the District of Columbia, tiny home insurance in Oklahoma is 242% more expensive. Insurance alone for a tiny home costs Oklahomans 4% of their household incomes.

Even in Oklahoma, the cost to insure a 2,100-square-foot home is 68% more expensive than it is to buy coverage for a tiny house.

This pattern holds in the other states where insuring tiny homes is most expensive. Following Oklahoma, Tennessee, Kansas, Texas and Colorado are the least affordable places to insure a 400-square-foot tiny home. Homeowners insurance premiums in these states are already expensive — the frequency of damage caused by natural disasters is a reason why. Still, taken together, it’s 95% more expensive than average in these places to insure a more conventionally sized home than it is to insure a tiny home.

Cost comparison of home insurance for tiny and standard homes

On average across the 50 states and the District of Columbia, it costs 106% more to insure a 2,100-square-foot home than it does to insure a tiny house. While insuring a 400-square-foot home takes up an average of 1% of the U.S. median household income, the average cost of home insurance for a 2,100-square-foot home is 3% of a household’s median income. In nearly every state, downsizing can save consumers money.

1 Oklahoma $1,974 68%
2 Tennessee $1,600 89%
3 Kansas $1,521 72%
4 Texas $1,387 84%
5 Colorado $1,293 162%
6 Kentucky $1,227 60%
7 Alabama $1,223 49%
8 Arkansas $1,177 58%
9 South Carolina $1,166 74%
10 South Dakota $1,096 92%
11 Missouri $1,076 89%
12 Montana $1,034 139%

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{“backgroundColor”:”white”,”content”:”u003C/pu003Ennu003Cpu003EThe u003Cspanu003Eu003Ca class=”ShortcodeLink–root ShortcodeLink–black” title=”Tiny Home Insurance” href=”https://www.valuepenguin.com/tiny-home-insurance”u003Ecost to insure a tiny houseu003C/au003Eu003C/spanu003E in Oklahoma is $1,974 a year. Compared to the average rate across the 50 states and the District of Columbia, tiny home insurance in Oklahoma is 242% more expensive. Insurance alone for a tiny home costs Oklahomans 4% of their household incomes.u003C/pu003Ennu003Cpu003Eu003Cdiv class=”ShortcodePullquote–root”u003En u003Cp class=”ShortcodePullquote–text ShortcodePullquote–blue”u003En nEven in Oklahoma, the cost to insure a 2,100-square-foot home is 68% more expensive than it is to buy coverage for a tiny house.nn u003C/pu003Enu003C/divu003Eu003C/pu003Ennu003Cpu003EThis pattern holds in the other states where insuring tiny homes is most expensive. Following Oklahoma, Tennessee, Kansas, Texas and Colorado are the least affordable places to insure a 400-square-foot tiny home. u003Cspanu003Eu003Ca class=”ShortcodeLink–root ShortcodeLink–black” title=”Average Cost of Homeowners Insurance” href=”https://www.valuepenguin.com/average-cost-of-homeowners-insurance”u003EHomeowners insurance premiumsu003C/au003Eu003C/spanu003E in these states are already expensive u2014 the frequency of u003Cspanu003Eu003Ca class=”ShortcodeLink–root ShortcodeLink–black” title=”States at Most Risk from Natural Disasters” href=”https://www.valuepenguin.com/property-insurance/states-most-at-risk-natural-disasters”u003Edamage caused by natural disastersu003C/au003Eu003C/spanu003E is a reason why. Still, taken together, it’s 95% more expensive than average in these places to insure a more conventionally sized home than it is to insure a tiny home.u003C/pu003Ennu003Cpu003Eu003Cdiv class=”ShortcodeImageResponsive–root”u003En u003Cfigure class=”ShortcodeImage–root”u003En u003Cpicture class=”ShortcodeImage–picture”u003En u003Csourcen media=”(max-width: 607.5px)”n data-srcset=”http://res.cloudinary.com/value-penguin/image/upload/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600/v1/tiny-vs-standard-home-insurance-m_ipqyyh 1x, http://res.cloudinary.com/value-penguin/image/upload/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600/v1/tiny-vs-standard-home-insurance-m_ipqyyh 2x”n/u003En u003Cimg alt=”Cost comparison of home insurance for tiny and standard homes” class=”lazyload” data-src=”http://res.cloudinary.com/value-penguin/image/upload/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600/v1/tiny-vs-standard-home-insurance_kixrox” src=”http://res.cloudinary.com/value-penguin/image/upload/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600/v1/tiny-vs-standard-home-insurance_kixrox” data-srcset=”http://res.cloudinary.com/value-penguin/image/upload/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600/v1/tiny-vs-standard-home-insurance_kixrox 1x, http://res.cloudinary.com/value-penguin/image/upload/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600/v1/tiny-vs-standard-home-insurance_kixrox 2x”u003En u003C/pictureu003En u003C/figureu003Enu003C/divu003Enu003C/pu003Ennu003Cpu003EOn average across the 50 states and the District of Columbia, it costs 106% more to insure a 2,100-square-foot home than it does to insure a tiny house. While insuring a 400-square-foot home takes up an average of 1% of the U.S. median household income, the average cost of home insurance for a 2,100-square-foot home is 3% of a household’s median income. In nearly every state, downsizing can save consumers money.u003C/pu003Ennu003Cpu003Eu003Cdiv class=”ReactComponent–root”u003En u003Cdiv class=”js-react-component-rendered js-react-component-SortableTable” data-component-name=”SortableTable”u003En u003Cdiv class=”StyledRootWrapper-sc-3qeib4 jYHfZo”u003Eu003Cdiv class=”StyledTableWrapper-sc-5nmmx9 fesmOM”u003Eu003Cdiv class=”StyledTableOverflowWrapper-sc-hixhp9 gVbnK”u003Eu003Ctable class=”StyledTable-sc-ujzn9t jVpJxq”u003Eu003Cthead class=”StyledHeaderRow-sc-1m1b8dn cBFLrt”u003Eu003Ctru003Eu003Cth width=”” colSpan=”1″ class=”StyledHeaderCell-sc-nsptsd gkalnJ”u003Eu003Cdiv class=”StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA”u003Eu003Cspanu003ERanku003C/spanu003Eu003C/divu003Eu003C/thu003Eu003Cth width=”” colSpan=”1″ class=”StyledHeaderCell-sc-nsptsd gkalnJ”u003Eu003Cdiv class=”StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA”u003Eu003Cspanu003EStateu003C/spanu003Eu003C/divu003Eu003C/thu003Eu003Cth width=”” colSpan=”1″ class=”StyledHeaderCell-sc-nsptsd gkalnJ”u003Eu003Cdiv class=”StyledColumnHeaderWrapper-sc-12xyb2r glLrYA”u003Eu003Cspanu003ECost to insure tiny house ($500 deductible)u003C/spanu003Eu003C/divu003Eu003C/thu003Eu003Cth width=”” colSpan=”1″ class=”StyledHeaderCell-sc-nsptsd gkalnJ”u003Eu003Cdiv class=”StyledColumnHeaderWrapper-sc-12xyb2r glLrYA”u003Eu003Cspanu003EPercentage difference from conventionally sized homeu003C/spanu003Eu003C/divu003Eu003C/thu003Eu003C/tru003Eu003C/theadu003Eu003Ctbody class=”StyledBody-sc-14y8oc0 dcdMVT”u003Eu003Ctru003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003E1u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003EOklahomau003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E$1,974u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E68%u003C/tdu003Eu003C/tru003Eu003Ctru003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003E2u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003ETennesseeu003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E$1,600u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E89%u003C/tdu003Eu003C/tru003Eu003Ctru003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003E3u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003EKansasu003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E$1,521u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E72%u003C/tdu003Eu003C/tru003Eu003Ctru003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003E4u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003ETexasu003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E$1,387u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E84%u003C/tdu003Eu003C/tru003Eu003Ctru003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003E5u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003EColoradou003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E$1,293u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E162%u003C/tdu003Eu003C/tru003Eu003Ctru003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003E6u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003EKentuckyu003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E$1,227u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E60%u003C/tdu003Eu003C/tru003Eu003Ctru003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003E7u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003EAlabamau003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E$1,223u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E49%u003C/tdu003Eu003C/tru003Eu003Ctru003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003E8u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003EArkansasu003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E$1,177u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E58%u003C/tdu003Eu003C/tru003Eu003Ctru003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003E9u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003ESouth Carolinau003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E$1,166u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E74%u003C/tdu003Eu003C/tru003Eu003Ctru003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003E10u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003ESouth Dakotau003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E$1,096u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E92%u003C/tdu003Eu003C/tru003Eu003Ctru003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003E11u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003EMissouriu003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E$1,076u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E89%u003C/tdu003Eu003C/tru003Eu003Ctru003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003E12u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee XfhRD”u003EMontanau003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E$1,034u003C/tdu003Eu003Ctd colSpan=”1″ rowspan=”1″ width=”” class=”StyledBodyCell-sc-5cu9ee frAYUA”u003E139%u003C/tdu003Eu003C/tru003Eu003C/tbodyu003Eu003C/tableu003Eu003C/divu003Eu003C/divu003Eu003Cdiv role=”button” class=”StyledExpander-sc-1gnrutu ckEygv”u003EShow All Rowsu003C/divu003Eu003Cp class=”SortableTable–footnote”u003EChart shows the percentage difference in the cost to insure a 2,100-square-foot home compared to the cost to insure a 400-square-foot tiny home.u003C/pu003Eu003C/divu003En u003C/divu003Enn u003Cscript type=”application/json” class=”js-react-component” data-component-name=”SortableTable”u003E{“alignsHorizontal”:[“left”,”left”,”right”,”right”],”alignsVertical”:[],”columnWidths”:[],”data”:[[“Rank”,”State”,”Cost to insure tiny house ($500 deductible)”,”Percentage difference from conventionally sized home”],[“1″,”Oklahoma”,”$1,974″,”68%”],[“2″,”Tennessee”,”$1,600″,”89%”],[“3″,”Kansas”,”$1,521″,”72%”],[“4″,”Texas”,”$1,387″,”84%”],[“5″,”Colorado”,”$1,293″,”162%”],[“6″,”Kentucky”,”$1,227″,”60%”],[“7″,”Alabama”,”$1,223″,”49%”],[“8″,”Arkansas”,”$1,177″,”58%”],[“9″,”South Carolina”,”$1,166″,”74%”],[“10″,”South Dakota”,”$1,096″,”92%”],[“11″,”Missouri”,”$1,076″,”89%”],[“12″,”Montana”,”$1,034″,”139%”],[“13″,”Minnesota”,”$1,002″,”112%”],[“14″,”North Carolina”,”$958″,”47%”],[“15″,”Mississippi”,”$944″,”67%”],[“16″,”Michigan”,”$938″,”65%”],[“17″,”Georgia”,”$929″,”88%”],[“18″,”Iowa”,”$919″,”56%”],[“19″,”North Dakota”,”$855″,”110%”],[“20″,”New Mexico”,”$845″,”80%”],[“21″,”Florida”,”$827″,”139%”],[“22″,”Nebraska”,”$825″,”196%”],[“23″,”Ohio”,”$825″,”58%”],[“24″,”Rhode Island”,”$807″,”111%”],[“25″,”Illinois”,”$789″,”72%”],[“26″,”Indiana”,”$778″,”56%”],[“27″,”Louisiana”,”$751″,”134%”],[“28″,”Wyoming”,”$750″,”101%”],[“29″,”West Virginia”,”$741″,”59%”],[“30″,”Arizona”,”$688″,”100%”],[“31″,”Massachusetts”,”$685″,”158%”],[“32″,”Virginia”,”$666″,”137%”],[“33″,”New Hampshire”,”$625″,”112%”],[“34″,”Wisconsin”,”$620″,”81%”],[“35″,”Connecticut”,”$607″,”167%”],[“36″,”New York”,”$577″,”160%”],[“37″,”Alaska”,”$572″,”126%”],[“38″,”Oregon”,”$564″,”112%”],[“39″,”Pennsylvania”,”$524″,”72%”],[“40″,”Idaho”,”$514″,”105%”],[“41″,”Nevada”,”$512″,”114%”],[“42″,”Utah”,”$509″,”123%”],[“43″,”Maine”,”$490″,”100%”],[“44″,”Maryland”,”$454″,”208%”],[“45″,”New Jersey”,”$448″,”167%”],[“46″,”California”,”$445″,”298%”],[“47″,”Washington”,”$439″,”168%”],[“48″,”District of Columbia”,”$431″,”534%”],[“49″,”Vermont”,”$409″,”102%”],[“50″,”Delaware”,”$331″,”136%”],[“51″,”Hawaii”,”$186″,”484%”]],”footnote”:”Chart shows the percentage difference in the cost to insure a 2,100-square-foot home compared to the cost to insure a 400-square-foot tiny home.”,”hideHeaderRow”:false,”hasMarginBottom”:true,”isExpandable”:true,”isSortable”:false,”maxWidth”:”1215″,”minWidth”:”100%”,”showSearch”:false,”sortColumnIndex”:0,”sortDirection”:”asc”}u003C/scriptu003Ennu003C/divu003Eu003C/pu003Ennu003Cpu003E”,”padding”:”double”}