What do I need for my tiny house insurance in Alaska?

Tiny house insurance in Alaska is required for construction, towing, and parked tiny homes. Obtain RVIA certification to qualify for RV and auto insurance and receive collision, liability, and contents coverage.

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UPDATED: May 19, 2020

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Here's what you need to know...
  • Tiny houses require many different types of insurance coverage protections
  • Placing tiny houses on wheels and transporting tiny homes crealates further liability and insurance concerns
  • Comparison shopping for deals and bundles could cut costs on tiny house insurance

Living off the grid appeals to more and more people these days. Residents or soon-to-be residents of Alaska might find living differently than the traditional home or apartment approach to be enjoyable.

The wonderful environment of Alaska attracts such adventure seekers. For people embracing a minimalist existence or persons with minimal budgets, owning a tiny house becomes the perfect alternative.

A misconception exists surrounding the concept of getting away from it all – you can’t get away from all homeowner responsibilities. Owning a tiny home does come with numerous requirements including the purchase of insurance.

Insurance must be in place to cover different aspects of time home living and moving. Construction, ownership, and vehicle coverage should be maintained to both protect the physical investment and address any potential liabilities.

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Insuring Your Tiny House on Wheels (THOW) in Alaska

The type of insurance required for tiny homeowners depends on several factors. How the home is built, for example, plays a role in which particular type of policy to buy.

The unique nature of tiny home building leads to unique insurance issues. Here are some insurance options to those new to tiny home life should examine:

Coverage during Construction

The process of constructing the home could go wrong. Owners do need the peace of mind that comes with complete coverage. DIY builders definitely need reliable insurance since they assume all the risks.

Even purchasing insurance for the building materials must be considered since, if the materials are destroyed, building the home will cost a lot more.

When the home is built, procuring a NOAH certification to prove compliance with safety and construction standards definitely is worth the small $500 cost for tiny houses.

DIY builders should also know when to outsource work. Hiring a certified electrician is unavoidable. Otherwise, the home could be at risk for major fire hazards.

Some might realize the best step is to outsource everything to a professional contractor. Builders – including RVIA certified builders – handle matters related to insurance during construction.

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Coverage during Towing

The second a tiny home connects to a trailer hitch for towing, insurance requirements change. When the home is RVIA certified, it would require a combination of RV coverage along with auto insurance to cover the tow vehicle.

The RV insurance should include three major coverage options:

  • Collision coverage to deal with any accident or impact-related damage you cause to the home
  • Liability to address bodily injury or property damage you inflict on others due to negligence
  • Contents protection to pay for the items inside the RV tiny home

The RV home also requires the necessary coverage based on the living arrangements with the home. A full-time residence and a recreational residence are two different things.

The right type of insurance must be purchased and active or claims against the policy could be deemed invalid.

Owners with a non-RVIA certified home benefit from looking at the other categories of insurance related to them. Bundling probably will help the cause of getting valuable and reliable insurance coverage.

Auto insurance combined with a trip endorsement to cover changes associated with unique aspects of living in a tiny home on wheels helps immensely.

Reviewing several different auto insurance quotes increases the likelihood of procuring solid insurance coverage.

The bundling should extend to the purchase of other unique insurance coverages beneficial to tiny home owners. Inland marine insurance, coverage that protects property while in transit, further closes loopholes that would leave the tiny homeowner without protections.

Investing in renter’s insurance makes sense as well. A tiny home may be filled with valuable belongings. If anything happens to your personal property, you won’t be covered for the loss unless renter’s insurance has been purchased.

Of course, the tiny home must be a legitimate candidate for a renter’s policy. Often, renter’s insurance is employed when the vehicle is being towed, but no one should make assumptions about the house’s eligibility for a renter’s policy.

Coverage while Parked in Alaska

Since a tiny house is a residence, purchasing homeowner’s insurance becomes necessary to preserve the investment and offset any liability claims. In order to be approved for a homeowner’s policy, tiny

In order to be approved for a homeowner’s policy, tiny homeowners do need to comply with Alaska’s state and local codes and rules regarding these properties.

In Anchorage, tiny houses must be bolted to a foundation or would be deemed a code violation. Ignoring code violations might lead to a condemned property and the cancellation of a homeowner’s insurance policy.

Maybe tiny home dwellers should check out manufactured home insurance as another option. No matter what a tiny house owner does, he/she cannot overlook any possible gap in insurance coverage. Doing so may yield disastrous consequences.

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Where can I buy tiny house insurance in Alaska?

Homeowner’s, auto, and renter’s insurance can all be purchased online and done so with minimal effort.

Outstanding auto insurance rates, in particular, can be found through an effective internet search.

Tiny house owners and builders would benefit from bundling several excellent policies into an affordable package.

Use our FREE quote tool to compare a variety of insurance options today!

References:

  1. http://www.alaskatinytimberhomes.com//
  2. http://cornerstonetinyhomes.com/rvia-certified-builder/
  3. https://www.progressive.com/rv/
  4. https://www.statefarm.com/insurance/home-and-property/renters
  5. https://www.progressive.com/homeowners/

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