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

Tiny house insurance in Idaho is required for 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...

  • Having a tiny house on wheels also brings insurance requirements
  • Insurance will differ whether you stay stationary or move around frequently
  • States require RV insurance for a tiny house on wheels in tow often

The United States offers hundreds of different lifestyles from a bustling city to the rural, idyllic Idaho countryside. Idaho is dotted with charming small towns, tightknit communities, and a vibrant local culture.

Owning a tiny house in Idaho allows you to explore at your leisure without ever really leaving home!

But when you decide to take your tiny house on the road, don’t forget to take insurance along with you.

Insurance is something that you always want to travel with you. A tiny house on wheels will change your insurance requirements, but it certainly won’t eliminate them.

You want to be sure that you have your tiny house on wheels covered while you are driving, while it is parked, etc.

Unique coverage packages will ensure you are adequately protected. Read on to learn about Idaho tiny house insurance requirements and options. Compare rates with our free quote tool above! 

Coverage for the Stationary Tiny House

Many different options exist in the market to allow you to get insurance for your tiny house on wheels. It will be dependent on your lifestyle with your new home as to what you will likely need for coverages.

The tiny house on wheels specific homeowner’s policy has started to become more and more popular among homeowners in Idaho. This is a type of policy designed specifically for tiny house homeowners.

The tiny house homeowner’s policy covers your tiny house the same way that a traditional homeowner’s policy works on a regular house.

It covers things such as the following:

  • contents
  • theft of your belongings
  • structural damage if the home is harmed

The catch with this is that you will be limited to just a few trips a year if you want to move the home.

Whether your home was professionally built, or through a DIY project, it will impact your insurance rates. Have build documentation in-hand regarding the approach that was taken to build the home in the first place.

If your tiny home is a DIY effort, be sure you keeping documentation of the materials used, have the home certified by an electrician, etc. as this can help with the insurance premiums you are quoted.

If it was a professional build, retaining documentation of the build will be helpful in your favor.

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Tiny Houses on the Move

What if you have a tiny house on wheels in Idaho that you plan on moving around a lot? In this case, a traditional tiny house homeowner’s policy isn’t going to cut it.

In these situations, what you may want to consider is the hat of RV insurance. This is a great option if you have a tiny house on wheels that is certified as an RVIA, able to hit the open road.

When you plan to tow your tiny house, states are going to require you to carry the coverage. Similar to how an auto insurance policy would work, the RV insurance is going to cover for things such as liability, contents, and collision damage that could happen out on the road.

When getting online quotes or shopping for your policy, be sure you are clear with your agent or broker as to how often you live in the tiny house.

If you are there full time, make that known, so the policy covers this type of living arrangement. Many of the RV policies will not cover those living within them full-time.

As someone that is ready to break free, get out on the open road, and see the world in a tiny house on wheels, the time is now! Take to that pavement and see what the state of Idaho or wherever you feel like going has to offer.

Compare rates with our free quote tool below now! 

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