In This Guide
- THOW Insurance
- Foundation Insurance
- Cost Breakdown
- Best Providers
THOW Insurance
A THOW needs RV insurance when moving and dwelling coverage when parked. Best providers: National General (agreed value), Foremost, Progressive (full-time living).
Foundation Build Insurance
If your build has a CO, standard homeowner's insurance may work. Without a CO, use a dwelling fire policy or specialty coverage.
Cost Breakdown
| Type | Annual Cost |
|---|---|
| THOW (RV policy) | $800–$1,500 |
| Foundation (with CO) | $500–$1,200 |
| Cabin/kit (fire policy) | $400–$900 |
Always get replacement cost coverage — not actual cash value. A depreciated payout won't cover rebuilding costs.