What do I need for my tiny house insurance in Delaware?
Tiny house insurance in Delaware 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: Sep 15, 2020
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- Delaware tiny homes should be insured in different ways during construction and while towing, and they also must be insured after they are parked in a permanent location
- Certifications related to the construction phase of Delaware tiny homes can impact the type of insurance available when you tow and park the structure
- Comparing rates for different insurance products needed for your Delaware tiny home could help you to save money on your premiums
While your housing-related expenses may be significantly reduced when you live in a tiny house, you still must obtain insurance and pay premiums throughout all stages of the experience if you want to minimize the risk of financial loss.
Many tiny homeowners in Delaware prefer to live off the grid and to avoid mainstream expenses as much as possible.
However, a tiny home could be damaged by the same types of events that could affect a traditional home in Delaware, such as fire, strong windstorms, and other events.
In addition, the structure or its contents could be damaged or stolen during the construction and transportation processes.
Insuring your tiny house against losses is an excellent way to avoid financial loss related to your shelter. Use our FREE quote tool to compare insurance today!
Insuring Your Tiny House on Wheels in Delaware
The last thing you may want to think about when you are preparing to transition to the tiny house lifestyle in Delaware is potential damage or theft of your home.
Your new home is a financial investment, and it also is the basis for your new and improved lifestyle.
However, negative events could potentially impact your home at some point, and you need to be properly insured through all stages of the building and ownership experience.
Understanding the different tiny house coverage options available in Delaware is critical.
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Coverage during Construction
Regardless of how you plan to complete the construction of your tiny house, you should understand the codes and regulations for tiny homes in Delaware.
For those who want to build their own tiny home on a trailer or directly on their own land, consider the benefits associated with hiring an electrician to complete all electrical work and wiring on your behalf.
When a licensed electrician certifies that the work on your property has been completed properly, you may be able to obtain more affordable or better coverage on the property.
You also should strive to complete the work according to NOAH certification requirements. The NOAH certification may enable you to obtain additional types of insurance later and to park your tiny home in premier spots.
In addition, you should buy insurance for the materials that you need for your tiny home construction project. If any of your building materials are stolen or damaged, you could face tremendous financial loss.
For those who choose to hire a professional tiny home builder in Delaware to build the home, it is important to focus on the builder’s insurance coverage.
The builder’s insurance policy should protect you against financial losses while the home is being built. This includes:
- theft of materials
- weather-related damage
RV insurance may be essential when you tow your home to different locations over the years.
Coverage during Towing
Some Delaware tiny homeowners will build the structure on a permanent foundation where they intend to live indefinitely, but most tiny homes are built on a trailer and towed to one or several locations during their lifetime.
Each time the Delaware tiny home is attached to a hitch, it needs to be properly insured for the towing process.
If your home was built by a professional builder with the RVIA certification, you could use RV insurance paired with auto coverage for the towing vehicle to get the protection you need while your tiny house is on the road.
When the RVIA certification is not applicable to your situation, you could add a special trip endorsement to your auto insurance policy, or you could buy an inland marine policy for tiny homes on wheels to protect yourself against related losses.
For all types of towing coverage that you could purchase for your tiny house, ensure that you have ample coverage for liability as well as for collision and content protection.
Renter’s insurance may be needed for the personal items inside your Delaware tiny home in some cases.
Request quotes online for several insurance options before you commit to one specific type of coverage. This step will help you to identify savings on the premium without limiting the coverage that you buy for your tiny home.
Coverage while Parked in Delaware
After you have transported your tiny home in Delaware to a permanent location, parked coverage is necessary.
The two main insurance options for tiny homes in this state are a manufactured home policy and a tiny homeowner policy.
You may consider shopping around to get a few quotes for each type of coverage before you commit to a policy, keeping in mind that parked home tiny home insurance is usually long-term coverage in comparison to the towing insurance you previously purchased.
A tiny homeowner insurance policy in Delaware will not provide you with coverage related to the theft of the home or while the tiny home is being transported to a new location.
However, it will provide you with coverage against many other types of losses. A manufactured home insurance policy is not a real estate coverage option because manufactured homes are considered to be personal property.
This type of insurance could also protect you against losses related to damage to the exterior of the home. Coverage on your tiny home in Delaware is needed at each stage of the process.
You should spend ample time shopping around to compare rates for each insurance type that is needed so that you can save money on premiums. Use our FREE quote tool to compare insurance today!