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

Tiny house insurance in Arizona 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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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

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Here's what you need to know...

  • Just like other homes, tiny homes should be properly insured to protect the homeowner against losses
  • Because a tiny house in Arizona is on wheels, type home insurance does not suffice
  • You may also need to have coverage on the home while it is under construction

Just as you need to insure a large, traditional home against losses, you also need to insure a tiny home. The mentality behind a tiny home owner’s efforts and goals in Arizona is to minimize his or her life and even to possibly live off of the grid.

However, when it comes to taking care of and protecting something as important as your shelter, you must focus your attention on tiny house insurance. This home is your primary shelter, and you need financial protection against losses related to theft, damage, and more.

In fact, your tiny house needs to be protected in different ways throughout various stages of building and with different usage types.

Regardless of the stage of the building or buying process that you are in with your Arizona tiny home, you need to be aware of the different types of insurance products available to meet your needs and to protect yourself from potential losses.

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Insuring Your Tiny House on Wheels in Arizona

A tiny house should be insured in the same way that you would insure any other house, but unfortunately, many traditional home insurance options available for Arizona homes are not suitable for tiny houses on wheels.

These homes should be properly insured during the construction or building phase, but additional insurance is needed when you transport the tiny home as well as when you park it.

A closer look will tell you more about the different types of coverage available and how you can protect your Arizona tiny home.

Coverage during Construction

The construction phase of the tiny home buying process is a critical component to the process, and it can take several months or longer to complete. During this phase of the process, you need to protect yourself against:

  • losses from theft
  • damage
  • accidents

Some people will take a do-it-yourself approach to building a tiny home, and they will build the home on their own land or in a dedicated warehouse designed for this type of project, and others will hire a professional builder.

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For both types of building efforts, proper insurance should be purchased to protect yourself from losses.

Even if you plan to do most of the construction work on your tiny home on your own, you should still hire a contractor to do the electrical work.

The contractor should be certified and bonded for your protection, but you should also insure your materials and efforts throughout the process.

This may decrease the likelihood of accidents and mishaps, and you may be able to more easily insure the finished product when a certified electrician completes this aspect of the construction process.

If you happen to hire a professional builder for your Arizona tiny house, review the builder’s insurance policy. Verify that the coverage is active and that the account is in good standing.

The builder’s insurance should handle any incidents that could happen during the construction process.

If you work with an RVIA certified builder, you should consider getting RV insurance for the entire time you own the tiny home, including during the construction and building phase.

Coverage during Towing

An Arizona tiny home on wheels requires a new type of insurance as soon as the construction process is completed and the shelter is hooked to a trailer hitch. The RVIA certified coverage also needs to combine with auto insurance for a towed vehicle.

You need to review the requirements for mandatory RV coverage as well as the benefits of optional coverage types.

This includes collision insurance, content protection, and liability insurance, and each of these RV coverage types offers unique benefits and protection against specific types of loss events.

Be aware that there are different insurance requirements for those who live in the RV on a full-time basis versus those who use an RV recreationally on a part-time basis.

An RV insurance policy can be combined with your auto policy for maximum protection if you plan to move around frequently in the tiny house.

However, if you plan to tow your tiny house to one location and remain parked for a while, additional coverage is necessary after you park the RV.

An alternative to RV coverage is an inland marine policy for a tiny house in Arizona. This is a policy that is suitable for any type of mobile shelter. It does include coverage to the home and to the contents in the home, but it does not include coverage for liability-related expenses.

An alternative way to insure your personal contents in the tiny home is to buy a renter’s policy.

This insurance could potentially protect you from losses in the event your tiny home is damaged while en route to a new location as well as while it is parked in a specific location for any period of time.

Regardless of the type of insurance that you buy for the transportation of your tiny home on wheels in Arizona, you should carefully examine multiple quotes from different insurance companies.

Pay attention to the coverage types and limits as well as your deductible amounts when you are setting up the coverage you need, and ensure that all components of your policy create affordable coverage that addresses all of your needs.

Coverage while Parked in Arizona

As soon as your Arizona tiny home arrives at its intended permanent destination, you can transfer your RV or other mobile home coverage to a permanent type of tiny homeowner policy.

There are several insurance companies that specialize in providing this type of coverage for tiny home owners. In addition to policies that are specifically designed for tiny homes, you may be able to buy coverage for a manufactured home as an alternative in some cases.

Each insurance company has unique guidelines for qualifying tine homes, and many tiny homes are unique and customized.

Because of these factors associated with insuring an Arizona tiny home, you may need to shop around to compare the insurance options that are specifically available for your unique tiny home situation before you can decide what your best insurance options available are.

By comparing policy options, you may be able to keep your premium low while still getting the protection on your Arizona tiny home that is needed.

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