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

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Here's what you need to know...
  • Just because your home is tiny, doesn’t mean you should neglect an insurance policy on it
  • The type of insurance you have for your tiny home will depend on the type of tiny home and how you are planning to live in Arkansas
  • In general, you will need both auto insurance policies and homeowners insurance policies for your tiny home

Whether you’re on the road, settling down, or you’re just in the building phase of creating the perfect tiny house, you should consider every angle when it comes to insurance.

A tiny house is an investment, and you need to protect it as such.

Insuring your tiny house in Arkansas is not only a good idea, but it’s also the law. Since your tiny house is going to be where you live and it will sometimes be on the road, you’ll need to be sure you are prepared for anything that could go wrong.

There are several coverage options you can choose from, and there are several policies you’ll need to carry when you are towing and when you are parked. Use our FREE quote tool to compare insurance!

Coverage During Construction

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The easiest way to protect your tiny home investment while you are building is to cover it with insurance.

A tiny house construction insurance policy is going to be different from the one you would use once your home once it is completed, but that does not mean you should skimp on the coverage.

It will generally cover any materials you’re purchasing for the home and any incidents that happen while you are building.

While DIY is the way most tiny homeowners choose to create the perfect home, there are some steps you’ll need to take to be sure your house is able to be insured.

One thing you should never try to do yourself is electrical work. You will need to hire an electrician who can document and certify the work they are doing in your tiny home.

The National Organization of Alternative Housing, or NOAH, has certified builders and companies who can help you build a tiny house that is actually suitable for living.

Builders who are NOAH-certified can provide levels of insurance you would struggle to get with other builders. The company covers those who are using a builder as well as those who are building their own homes.

– Hiring Out

One of the biggest benefits to hiring a builder is that they will come with their own insurance policies. Builders are insured and bonded to protect you while they are working on your tiny home.

If you are hiring a builder who generally works on tiny homes, hiring one that is RVIA certified, you’ll be able to get RV insurance.

An RV policy is able to cover more, has been around for longer and is generally a better policy than one that has been put together for tiny house living.

There are several RVIA builders in Arkansas who can help build your tiny home to RV standards.

Coverage During Towing

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Everyone who owns a tiny home will need to travel at some point. Whether you plan to just tow your tiny home to the destination where you’ll be staying or you are going to tow it on a regular basis, there are several options available to you.

You will often be able to bundle your policies together to help save money. Since so many insurance agents offer the capability of bundling, it is important to check with several to be sure you are getting the best deal.

When you are shopping for insurance, always be sure you know whether your tiny house on wheels is RVIA certified or not. You will be able to have different coverage depending on whether it’s certified or not.

– RVIA Home

If you choose a RVIA builder, you’ll have all the benefits that come with your home technically being an “RV.” You’ll be able to get RV insurance for your tiny home which can cover most of the things that are associated with your home.

It is important that you talk to your insurance agent about what your living plans are. You should let the agent know if you are going to be living in your tiny house full-time.

Always have your tow vehicle insured. Arkansas law requires you to have collision and liability on your tow vehicle. You should also have comprehensive on the vehicle.

The coverage for your home can be different depending on what you want. You will definitely need collision and liability, but you can also include content coverage in your policy.

Bundling your tow vehicle and tiny home insurance is a great way to save money.

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– Non-Certified

Since hiring a RVIA-certified builder can be expensive, you may have chosen to have a home that is non-certified. It can be slightly more complicated to cover your vehicle, but Arkansas allows different options for your tiny home on wheels.

One thing most people do is cover their tow vehicle with a trip endorsement. Your tiny home can be added to the endorsement which is a document used to amend your policy.

This will allow your tiny home to be covered in the same policy as your tow vehicle.

You may also want to consider inland marine insurance. While costlier than a simple trip endorsement, it will cover you in case something happens while you are on the road. The limits are higher than what they would be with a trip endorsement.

When you are comparing the different quotes for different insurance options, consider rental insurance. This will help if you are renting out the space you are parked on.

Rental insurance does not cover the tiny home, but it will cover all the things you own inside of the home.

Coverage While Parked in Arkansas

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Once your tiny home is insured for travel, you’ll need to have the policy for while you are parked. If it is RVIA certified, you’ll be able to include the parking time in your policy.

Generally, though, you can’t stay in one park or one area for more than a 30 or 60 day period with this type of coverage.

Even if your tiny home isn’t RVIA certified, you will probably be able to get a small homeowners policy on the home. More insurance agents are offering tiny home options as they become more popular so check around to find someone who does.

The importance of hiring a certified electrician will become apparent when you start your homeowner’s policy.

Saving on Tiny House Insurance in Arkansas

Even though there are some more upfront costs to building and living in a tiny home in Arkansas, you can save a lot of money compared to traditional living.

Shopping around for the best agent is one of the easiest ways you can save money. You should also talk to your agent about bundling your policies so your insurance rates will be even less.

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