What do I need for my tiny house insurance in Alabama?
Tiny house insurance in Alabama is required at construction and throughout its entire lifespan. Receive RVIA certification to qualify for RV and auto insurance if you want to frequently relocate your tiny house.
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UPDATED: Sep 15, 2020
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- Tiny homes in this southern state need to be insured from day one of construction and throughout their entire lifespan
- Because tiny homes are on wheels, unique insurance options should be explored fully
- Comparing prices on different insurance policies for tiny houses in Alabama could help you to potentially save money on your coverage
Living in a tiny house in Alabama can be a life-changing experience. Your entire focus of living may change from trying to make ends meet and pay the bills on a daily basis to enjoying more quality time with family and friends or doing what you love.
Life can be more meaningful in many ways when you live in a tiny home, but accidents, theft, and more remain possibilities regardless of where you live. You must be prepared for such events in order to avoid an unexpected financial loss while living in your tiny house.
Tiny homeowners in Alabama need to properly insure this type of dwelling just you would buy insurance for other types of homes.
However, because tiny homes are usually on wheels and are not site-built structures, the use of a traditional home insurance policy is not available. Make sure you compare rates with our free quote tool above!
There are multiple insurance options to choose from for the construction phase of the tiny house experience as well as for transporting the home and living in it regularly.
Insuring Your Tiny House on Wheels in Alabama
Your tiny house may be more affordable to buy than most traditional houses, but it nonetheless is a financial investment that you want to protect from damage as much as possible.
You simply must insure your Alabama tiny house in order to avoid financial loss from the following:
- perils related to fire
- weather damage
Coverage during Construction
Losses on a tiny home in Alabama can occur on the first day of construction, and you need to be prepared for the possibility of weather damage, theft of materials, and more by buying insurance during this phase.
If you decide to build your tiny home with your own skills, time, and effort, understand the benefits associated with hiring a licensed electrician to run the wiring and to certify that your electrical work is up to code.
This thoughtful effort could save you a tremendous effort and could help you to more easily find insurance on your tiny home after the construction is finalized.
Some insurance companies that insure tiny homes in Alabama look for or even require the NOAH certification. To obtain this certification, your tiny home should be built to certain minimum standards.
Throughout the construction process, keep these standards in mind so that you can obtain this important certification.
Insuring your materials and supplies is important if you are building the tiny home in Alabama on your own, but this type of coverage may not be necessary if you hire a professional builder.
Many licensed tiny home builders in this state are fully insured, and their insurance may cover theft of materials and other losses during the construction phase.
If you decide to hire a professional tiny home builder, choose one that has an RVIA certification. The RVIA certification is necessary in many cases if you want to get RV insurance on the home in the future.
Regardless of how you build the home, you should be aware of the Alabama building requirements for tiny homes. There are specific requirements regarding the use of insulation required as well as energy efficiency ratings for different elements in the tiny house.
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Coverage during Towing
When the construction of your Alabama tiny house is completed, you may think that you are home free with regards to concerns about possible damage or theft, but the reality is that accidents and mishaps can happen while you are transporting your tiny home.
You cannot assume that your standard auto coverage would include benefits for a tiny home on the road, and additional coverage needs to be bought to protect yourself from financial losses during towing.
If you chose a professional Alabama tiny home builder that has the RVIA certification, you may be able to legally tow your tiny home by getting RV and auto insurance.
Otherwise, the primary option to consider for insuring the tiny home while towing it is to get a trip endorsement added to your auto coverage.
Regardless of the type of insurance option you decide to pursue, remember that shopping around and comparing quotes for tiny house insurance could save you money.
Always verify that the insurance quotes you are reviewing are fully protective with liability, collision, and content protection benefits.
Regardless of whether you have the RVIA certification associated with your Alabama tiny home or not, keep in mind that you could also possibly obtain inland marine coverage for your tiny home on wheels.
Inland marine insurance is specifically for mobile residential structures on land. While this type of policy covers the home itself, you will still need to buy a personal property or renter’s policy to cover your losses for furnishings and other valuable items inside the home.
Coverage while Parked in Alabama
Some Alabama tiny homeowners decide to frequently relocate to new locations and to essentially use the home as an RV. RV insurance may be the best option for this type of tiny home usage, and the RVIA certification may be a necessity in this case.
On the other hand, many people decide to turn a tiny home into a permanent residence, and you can consider tiny home insurance or manufactured home insurance as primary coverage options for this situation when the home is parked.
Tiny home insurance offers coverage for the condition of the home after it has been taken off of a tow hitch. It provides coverage for a wide range of perils, but losses related to theft are not covered.
This type of Alabama insurance is most commonly available through a specialty insurance company.
A tiny home is similar to a manufactured home in many ways because both are built off-site and are transported to the desired location in completed or mostly completed form.
Because of this, many tiny homes will qualify for manufactured home insurance. You will need to explore the options to find an insurance company that is agreeable to insuring your specific tiny home.
While tiny home living in Alabama is usually more simplistic and laid back, you still need to be prepared for a worst-case scenario. Buying insurance for all stages of your tiny home experience is critical if you want to avoid unnecessary loss.
Many insurance companies offer coverage on tiny homes in Alabama in different ways, and you can use this information to help you locate the right type of coverage for each stage of the experience.
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