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

Tiny house insurance in Connecticut 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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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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...

  • Connecticut has laws on insurance that you must follow or be subject to heavy penalties
  • Since there are no set guidelines for tiny house insurance, you’ll need to find a plan that works best for you
  • Your insurance coverage might not be the best if you are shopping for the best price only

All around the United States, people are ditching the idea of conventional homes. Tiny homes are becoming even more popular than some of the other options and states have had to adjust the rules they have for insurance and registration of these homes

Connecticut does not have specific guidelines for tiny homes, but if you want a tiny home, you’ll need to find the perfect type of insurance for your home. Compare rates today with our free quote tool above just by entering your zip code!

Insuring your Tiny House on Wheels (THOW) in Connecticut

Whether you plan to have your home in one spot or you’re going to travel with it, you’ll need to have insurance on it.

The policies can range from towing policies to homeowners policies and even construction policies, but the right coverage is what will protect you in case something happens to your home at any stage of the tiny home process.

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Coverage during Construction

When people start to build their tiny homes, they often get excited and forget to insure the construction process.

Don’t be one of those people and get your construction insured. There will be different coverage needs depending on how you are building your tiny home.

Build Yourself

If you are one of the many people who choose to build their own tiny home, you will need to provide insurance to your materials so they are protected during the project. Your materials could:

  • Get stolen
  • Get damaged by weather
  • Catch on fire

All of these things would be covered under a construction insurance policy.

You may also consider getting liability coverage on your policy so if any part of your building process damages another person or property, you’ll be protected. Consider NOAH certification options for yourself before you start building.

Unless you are a licensed electrician in Connecticut, you should never do your own electrical work.

Instead, hire a professional. It will be more costly than doing it yourself, but if you have documentation on proper electrical wiring, it will be easier for you to get insured in the future.

Professionally Built

Most professional tiny home builders in Connecticut are RVIA certified. This means they can make your home “officially” an RV. They know the standards and are familiar with everything an RV needs to be considered safe.

Choosing a professional builder route will always be more costly, but it comes with many benefits.

In addition to being able to get the benefits of an “RV” tiny house, you will also get the assurance that comes with having a professionally licensed, insured and bonded builder.

You should always hire a builder who carries their own insurance policy to protect your tiny house during the construction phase.

Coverage during Towing

When your house is done being built, you’ll likely need to tow it somewhere to live in it. You cannot rely on the construction insurance to cover you at this point.

Connecticut requires you to have insurance on anything you’re towing in addition to the tow vehicle that is pulling your tiny house.

RV Tiny Home

Many people have chosen to have an RVIA certified builder for the benefits, but the ability to insure it under an RV policy is one of the most common benefits. Most RV policies include collision, liability, and contents coverage.

As long as your home has RVIA certification, you will be able to talk to your insurance agent about an RV policy.

Even though RV insurance is very inclusive, it will not include the tow vehicle. You can save money by bundling them together, but you will still need a separate policy for the vehicle you are towing your tiny home with.

Shop around for an insurance agent who can bundle the two policies together to save you money.

Other Home

If you have chosen to not have your home built to be RVIA compliant, you have several options for insurance coverage:

  • Cover your tiny home with a trip endorsement.
  • Look into park model insurance.
  • Talk to an agent about inland marine coverage.

All of these policies will be different and have different price points depending on what you want to be included with them. The first, an endorsement, is often the most inclusive for a tiny home.

Your insurance agent can write it exactly how you want to include anything, but it can be difficult to find someone who will be familiar with writing trip endorsements.

This is a document that would simply be attached to your tow vehicle insurance.

Park model insurance acts somewhat like homeowners insurance in that it covers your tiny home while you are parked. It is different in that it will cover it for short periods of time while you are towing it to its final destination.

Marine coverage is an option most people have, but will not always include the things you have inside of your tiny home. Compare prices between different insurance agents to learn what is going to work the best for everything you have included in your policy.

Coverage while Parked in Connecticut

The two main options you’ll have for your tiny home while you are parked in Connecticut are homeowners and renters policies.

These both have benefits, but have different things that you can include in them. Make sure you are doing what you can to include the best coverage possible and don’t base your coverage just on price.

Homeowners policies can be taken out for the tiny home, but they will not protect it if it’s stolen from where you have it parked. They will also not protect it while you are traveling.

Most people who have tiny homes choose to take out a rental insurance policy. Rental insurance can be bundled with vehicle policies and will allow you to protect your belongings. Unlike homeowners insurance, it does not protect the actual tiny home.

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Tiny Home Insurance

Whether you are going to keep your tiny home in one location or you are going to be towing it all around the country, you will have different coverage options.

Always shop around for the best price possible, learn what you are getting covered and stick to the state minimum requirements in Connecticut.

By keeping your tow vehicle and your tiny house insured is the only way you can protect yourself from unforeseen events. Don’t miss out our free quote tool below! Just enter your zip code and start comparing rates now!

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