Tiny House Cost Sharing

As a member, you will be able to have your expenses shared with the community for damages to your Tiny Home, personal property, and belongings. Roof damage from a tree or wind? Flood damage? Fire damage? Stuff stolen? House stolen? Yep, those are the type of things the community helps you pay for. Ask to see our one page explanation on what benefits your share gets you.  

Deductible is an insurance term.  We have something similar called an initial unsharable amount.  Your plan may or may not have one.

Similar to insurance, some expenses are not eligible for sharing.  Examples would be liability (this one is temporary), routine maintenance, normal wear and tear, neglect, and damage from renovation or contractors. Ask to see our one page explanation on what benefits your share gets you.  

We hope to be offering sharing for Liability expenses in the near future as we grow.

Cuvrr itself does not carry any capital reserves like traditional insurance.  Instead, individual shares go into personal accounts where they stay and wait, committed to cover current and future needs until needed.
We had to start somewhere, though, so our first sharing member needed to commit a share amount sufficient to cover the entire cost of replacing a Tiny House.   

We think you will be pleasantly surprised at the smooth and painless process for getting reimbursements. But, we get it…  Insurance has put a sour taste in everyone’s mouth.  We need regulations to keep them honest.  You and us both know that insurance companies have the ability to pay our claims, but sometimes lack the willpower to help us out at their expense. 

At Cuvrr, we have shifted the incentives around so you don’t have to worry about us profiting from denying legitimate needs.  We will do everything in our power to make sure you get the help you deserve. If the admin denies reimbursement of your need and you object, you can appeal to your peers in the community.  A small group of them will be chosen to make a determination that can overturn admin’s decision. 

We think this is more secure!  You can rest assured that we will do everything in our power to make sure you get the reimbursements you are counting on from the network.

Cost sharing comes with some minor technical risks.  We cannot guarantee payment, but only because this is a voluntary network of peers. That means that if all members decided to quit next month, there wouldn’t be any shares to cover an existing need. 

Also, a contractual guarantee of payment from Cuvrr would make this insurance. Instead, current members pay a share that goes towards current needs in exchange for future membership.