Insurance cost depends on, where you live, how you use it, & whether it’s certified or not.
For tiny house there is no legal requirement for the tiny house insurance.
If you are going to a serious investment into your tiny house then protect it with insurance.
If you are going to take loan to finance your tiny house, then you should take insurance.
By law there is no requirement to take tiny house, insurance.
if you transport your tiny home, then you should have liability coverage