My Property is Zoned, to add a Tiny Home, as well.

It comes down to material types, roof age, claim history for the property, claim history for surrounding properties, rolling catastrophies in the zip code, credit, loss history for the applicant, profitability for the other insurance companies in that area, age, marriage status, and many other tiny/annoying factors that us brokers cannot see. 

Other than removing it completely this is the only alternative, also check to see if the fresh air inlet is clear from any obstructions (piping right before the inlet to the trap) which extends to the outside atmosphere somewhere close, normally a side wall and can be identified on the side of the house or under a porch if close.Usually has a mushroom cap cover or a cover with tiny inlet holes all around the face like a shower drain would perhaps.

Lots of investors are doing their part in small ways - converting basements to ADUs, adding tiny houses, building on empty lots, etc.

Architecture and homes in general have always caught my attention, as well as the tiny house movement. 

It's like betting on Germany to win the world cup after they decimated Brazil, the odds aren't good anymore, yeah you might make a tiny bit of money but everyone who bet prior to the Brazil game is who is getting rich. 

For REI, we are starting out with a vacation rental, a tiny house which will be located on the farm property, but we hope to also move into buy & hold.I am also concerned with asset protection for our land if someone were hurt here.

I want to then build a tiny house on the property.

Personally I love ADUs and tiny house design.

an option that some people find in high-cost-of-living areas is to purchase a modular home or look at shipping containers or tiny homes.