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

Tiny house insurance in Colorado 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...

  • Skimping on insurance coverage for your tiny house in Colorado could cost you
  • Bundling can be helpful if you don’t have an RVIA home
  • Build your home with someone who is covered in case something happens


Tiny homes continue to become a popular option for those who are looking for a way to simplify their lives. If you are considering a tiny home in Colorado, keep in mind the different types of coverage you’ll need for the tiny home.

From the building process to parking your home, different policies can help keep you covered. Compare rates with our free quote tool above! 

Insuring Your Tiny House on Wheels (THOW) in Colorado

From the building process to towing and everything else, there are different options that were made to protect you. Talk with insurance agents to find out what they have to offer.

Never settle on the first agent and talk to several so you have a chance to see what the best deal is for construction, towing and parking insurance.

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Coverage during Construction

It is important you remain covered while you are constructing your tiny house. This is one of the most common things people forget about when they are building their tiny home.

If anything happens during the building process, an insurance policy will help you cover any expenses.

Do-It-Yourself

The easiest way to ensure you are getting a perfectly custom tiny house is to build it yourself.

Since there are so many variables to DIY-ing your tiny home, you should keep insurance in case something happens. The insurance policy you have will generally cover any materials you have purchased.

You can also get a policy that will protect against any liability your building site has.

If you want to be completely covered while you are building your tiny home, you’ll need to hire an electrician that is certified to work on tiny homes. The electrician needs to be licensed. The electrical wiring in your home is one area that you should never do yourself.

Hiring a Builder

Since Colorado is a state that now has a lot of people building tiny homes, you can find someone who is a professional tiny home builder.

The builders are licensed and bonded as well as insured. Hiring a builder is a good idea if you want to be sure you are covered in all areas of construction. Your tiny home builder will be insured on their own.

The insurance policy should cover any liability they have during the construction process. It will also cover the materials they’re using to build your home.

By checking with your builder before they start building, you can learn more about the insurance they have and what it covers.

Hiring an RVIA builder will give you a chance to have a tiny home that can be considered an RV. An RV is easier to cover than a basic tiny home and will give you different options that can help protect you better and save more money.

Coverage during Towing

Towing your tiny home will help you get it from where it is built to where you will be staying. Some people also choose to tow their home on a regular basis so they can see different areas while experiencing different cultures.

Even though Colorado has certain requirements for insurance, you should consider what you want to have covered during towing.

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RVIA

One of the biggest benefits of an RVIA builder is the RV insurance you can have on your tiny home while you are towing it. This is what will protect you and what will give you exactly what you need.

The RVIA building process is more complicated, but it often pays off because of the insurance coverage.

Most insurance agents are able to offer you an RV policy for your tiny home. As long as you have that RVIA certification on your home, you can take advantage of RV insurance.

Most RV insurance policies will include collision, liability, and contents coverage. You can also have property coverage added to the RV insurance policy to protect all of your belongings in your tiny house.

Non-Certified

Some people still choose not to have their tiny house RVIA certified. This can be a risky move because it will be more difficult to insure.

One thing homeowners can do is get themselves NOAH certified before building so they will have different options for their towing insurance.

If you are not going to use RV insurance, you’ll need special policies. Since you should already have a policy for your tow vehicle, you can get an endorsement of the policy that will protect your tiny house.

Endorsements can be costly so check with different insurance agencies to see what your cost is going to be.

Another option people have with a non-certified tiny home is inland marine insurance. This will cover anything you are towing behind your vehicle. It generally only covers liability that the tiny house has while you are towing it.

In addition to the coverage you have for the actual home, you need to cover the belongings you have inside. While an RV policy will cover that, other types of insurance policies will not.

You will need renter’s insurance to cover the things you have inside the home.

Coverage while Parked in Colorado

RV insurance will cover your tiny home while you’re parked in Colorado. If you don’t have an RV policy, a homeowner policy should help keep your home safe while you are parked.

You will require different policies if you are living in the tiny home all the time and just sometimes so keep that in mind when you are shopping around for the best coverage.

A homeowner’s policy can cover your belongings, anything that happens to the home as a result of a disaster and if something is damaged on the home.

If you are planning to build your tiny home where you are going to keep it permanently, homeowner coverage is the only thing you’ll have to worry about. There is a possibility that you may not be able to do this, though, because of the size of the home.

Colorado has laws concerning land use so be sure you check with the specific location you are in within Colorado before you buy a piece of land to build your tiny home.

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Tiny Homeowner Coverage

It is a good idea to consider all the options you have for coverage with your tiny home. In general, it is best to get an RVIA-certified home, but that can be costly. Colorado does allow insurance agencies to offer RV-specific coverage for homes that are not RVIA-certified.

One thing many tiny house owners choose to cover their home with is park model RV insurance.

This protects you when you are parked and for a maximum period while you are on the road. It is not as inclusive as typical RV coverage but can provide you with what you need for towing your tiny home short distances.

Don’t miss out on our free insurance quote tool below! Just enter your zip code and start comparing rates now!

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