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

Tiny house insurance in Indiana 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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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...

  • Living in an Indiana tiny home is not without risks, and you need to insure the home in different ways while building, towing, and living in it
  • For each stage of your tiny home living experience in Indiana, you may have multiple coverage options available, and you need to understand the pros and cons of each one before you finalize your insurance buying plans
  • Building-related certifications could affect future insurance options for your tiny house
  • The contents inside of your Indiana tiny home may need to be insured by a personal property or renter’s insurance policy

A primary goal of many of Indiana’s tiny homeowners is to reduce living expenses substantially, and some even want to completely get off the grid. When living minimally is your goal, you understandably may not think about buying insurance for your Indiana tiny home.

However, because this is a substantial investment and because it is your primary shelter, you should insure it in different ways throughout your ownership experience.

As soon as the materials and supplies for the construction of your Indiana tiny home are delivered, theft and damage could occur to create a financial loss.

Additional risks occur when you hitch your tiny home’s trailer to your vehicle and tow it to a new location, and different risks are present when you start living in the tiny home on a regular basis. Make sure you are covered with our free quote tool above! 

While saving money is your top goal, protecting yourself against financial losses by buying a tiny home insurance policy is a wonderful idea.

Insuring Your Tiny House on Wheels in Indiana

Many people who decide to build a tiny home on wheels in Indiana invest a significant amount of their personal savings into the construction of the home.

Damage or theft could, therefore, mean that your financial nest egg is completely lost, so buying insurance for an Indiana tiny home is a veritable necessity.

Coverage during Construction

Indiana has a Log Cabin Rule law in effect that enables you to legal build a tiny home or any other type of shelter on your own.

However, even if you choose to do the work on your own, you should be aware of building codes as well as of the requirements to obtain the NOAH certification.

If your tiny home in Indiana qualifies for this important certification, you could park the home in many preferred locations and qualify for a great deal on insurance.

To obtain preferred coverage later and to qualify for this certification, it is helpful to hire a licensed electrician to complete the electrical work on the tiny house in Indiana.

Your various materials and supplies could be stolen or even damaged by pests or bad weather conditions during the construction phase.

Insurance is available to protect you from a loss on these items as well as loss related to damage to the portion of the house that has already been constructed.

Understanding and comparing coverage options at this stage could potentially help you to save money on your tiny house insurance.

The decision to build a tiny home on your own is not easily made, and if you have any concerns about your skills and abilities, hiring a professional builder in Indiana to tackle the job is an excellent idea.

Your building should have insurance that protects you against construction-related losses, but you need to verify that the builder’s coverage is active and in good standing.

Remember that using a builder with the RVIA certification enables you to use RV coverage on your tiny home in Indiana in the future.

Coverage During Towing

Before long, the construction on your Indiana tiny home will be finalized, and you will be ready to haul the structure to the desired location throughout the state or beyond.

Some people will choose to live in special tiny home communities, and others will place the tiny home on their own private acreage or lot in Indiana.

Any time your Indiana tiny home is connected to an automobile through a trailer hitch, special towing coverage is needed. There are several types of coverage you can consider at this stage in the tiny home process:

  • RV insurance
  • trip endorsement
  • inland marine

If your Indiana tiny house was fully constructed by an RVIA-certified building company, you could use RV coverage coupled with auto insurance coverage for the tow vehicle and receive damage, liability, and contents coverage.

On the other hand, if your little home is not linked with the RVIA certification, you can use a trip endorsement on your car insurance policy or buy a special inland marine policy for the protection you need.

An inland marine insurance plan is suitable for any type of mobile land-dwelling, including tiny houses.

Because the interior contents of your tiny house in Indiana are not covered by any of these policy options in most cases, you should also consider buying renter’s insurance or personal property coverage.

Indiana tiny homes are often outfitted with furnishings, electronics, appliances, and other creature comforts, and loss related to these items could be difficult to deal with.

Coverage while Parked in Indiana

The first two stages of the tiny home experience in Indiana are temporary in most cases, but you may live in the home for many long years.

Long-term tiny home insurance should be purchased when you park the home and remove it from the hitch of your car or truck. Tiny home insurance for Indiana’s happy homeowners is an option to consider.

This type of coverage is only available through specialty insurance companies in Indiana, and it does not include benefits related to towing the home, to its possible theft, or to the contents of the home.

A tiny home in Indiana does not qualify for traditional home insurance in many cases because it is not built on-site.

Instead, it is similar to a manufactured home, which is built in one location and transported to a permanent spot for residential use. Therefore, manufactured home insurance is a possibility available to you.

Regardless of how you insure the property, verify that your coverage includes protection against all types of losses, including liability.

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Buying Your Indiana Tiny Home Insurance

As popular as tiny homes in Indiana are, many people have their tiny home dreams shattered by collisions, theft, and many other types of damaging or costly events.

Because losses could occur on the first day of construction, you need to explore coverage options for your Indiana tiny home today.

You should also explore options for all future coverage needs well in advance so that you do not have any lapses in your coverage. Use our free quote tool below to make sure you get the best rate for the coverage you need now!

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