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

Tiny house insurance in Florida is required for construction, towing, and parked tiny homes. Obtain RVIA certification to qualify for RV and auto insurance and receive damage, liability, and contents coverage.

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Reviewed byJoel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: May 26, 2020

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Here's what you need to know...
  • While Florida tiny homeowners may want to keep regular expenses low, tiny home insurance should be incorporated into your personal budget because of the many benefits it provides
  • Tiny homes could be damaged by all of the same forces that a traditional home may be damaged by, and these structures may also be stolen or involved in a car accident when transporting them
  • Personal contents in the tiny home may need to be insured separately
  • Various certifications are available during the construction phase that could impact insurability of your Florida tiny home throughout its life

Buying a tiny house in Florida can be a life-changing experience. Many people are increasingly interested in downsizing their home to a tiny house and living a quiet, simple life off the grid.

Tiny houses in Florida are ideal if you are ready to enjoy a minimalistic lifestyle and want to have more money available for the things that really matter to you, such as family and friends.

However, even tiny homes in Florida should be properly insured. In fact, your Florida tiny home should be insured as soon as the construction work begins on it.

New insurance may later be required when towing or transporting the tiny house to a desirable permanent location in Florida, and an additional type of tiny home insurance is needed when you park the home.

Understanding the insurance options available to you at each stage and shopping around to find the best rates available are important if you want to protect yourself from loss related to your Florida tiny house.

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Insuring Your Tiny House on Wheels in Florida

Insuring a tiny house on wheels in Florida will add extra expenses to your budget, but this is an expense that is well worth paying for.

Without insurance on your Florida tiny house, you could experience loss from incidents related to the following:

  • car accident
  • theft
  • weather damage
  • many other factors

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Coverage during Construction

You may not think that you need to insure a tiny home in Florida before the construction process is completed, but this is not true. Materials could be stolen from the construction site, or the in-progress structure could be damaged by any number of perils or risk factors.

If you are building the home on your own, insuring the materials and structure are critical steps to take if you want to avoid significant potential losses in this stage.

If you plan to build your tiny house in Florida yourself, you also need to think about how your efforts could affect the insurability of your home at a later day.

For example, your electrical wiring may need to be completed by a certified electrician and properly document in order to qualify for better insurance rates.

You may also strive to meet the standards for the NOAH certification, which can help you to qualify for more parking places and better insurance products after the construction effort is completed.

On the other hand, if you hire a professional builder to construct your Florida tiny home, the builder should have insurance that protects you against loss at this stage. Ensure that the coverage is active and fully covers you against losses.

In addition, consider hiring a contractor that has a certification from RVIA. This important RV certification may enable you to get RV insurance on the tiny home in the future.

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Coverage during Towing

Tiny houses are incredibly popular in Florida, and there are many incredible communities in Florida where you could transport your little house to.

Exploring the options before you finalize the construction effort can help to ensure that your home complies with the guidelines established by the tiny home community that you are drawn to.

Remember that hooking a tiny home in Florida up to a tow or trailer hitch dictates the need for special towing or transportation insurance, and coverage should remain in place until the tiny home is unhitched.

Several types of towing or transportation insurance are available for Florida tiny homes. For tiny homes that were professionally built by a construction team with the RVIA certification, the option to use RV insurance and receive damage, liability, and contents coverage for the transportation process is available to you.

There are also other options available for trailer or towing insurance on a Florida tiny home if you do not have this certification from RVIA.

Without the RVIA certification, you could use inland marine coverage to protect your mobile dwelling against many types of losses while on the road, or you could buy a trip endorsement for your regular auto policy.

Regardless of the type of insurance you choose to use for towing your tiny home in Florida, remember that you could save a tremendous amount of money if you shop around and compare several offers from leading insurance companies.

You should also shop for renter’s insurance to protect you from losses if the contents of your tiny house are damaged or stolen, and this may include coverage for your appliances, furniture, electronics, and other valuable items.

Coverage while Parked in Florida

It may take a few months to complete the construction of your tiny home in Florida and to finally get the home towed to a desirable tiny home community or to another ideal location for your permanent living experience.

However, this point in time will arrive before you know it, and you need to have the home properly insured as soon as the tiny home’s trailer is unhitched from the vehicle.

Your two primary options available are to buy tiny home insurance or to buy a manufactured home policy.

Tiny home insurance in Florida is available only through specialty insurance companies, and it is specifically designed for this type of structure. However, transportation and losses associated with theft are not covered by this type of insurance.

Manufactured home insurance is more easily located in Florida than tiny home insurance is, and it can provide you with the excellent range of coverages and benefits that you are looking for.

With insurance required on your tiny home in Florida at several different stages of the process, now is the time to begin exploring all of the options available.

Devastating and costly losses could occur as soon as the construction effort begins, so now is the time to begin looking for insurance for each stage of the Florida tiny home experience.

Requesting online quotes from reputable insurance companies in Florida is a fast and easy way to identify the best deal available on the tiny home coverage you need.

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