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

Tiny house insurance in Nevada 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...

  • Tiny homes in Louisiana should be insured against potential perils and damages in the same way that you would insure a larger home
  • Because Louisiana tiny homes are usually not site-built, a traditional home insurance policy is not usually an option for coverage
  • The unique certifications relevant to your Louisiana tiny home during the construction process can play a role in your coverage options throughout your ownership period

When you choose to transition from your larger, traditional home into a tiny home in Louisiana, you may be giving up a considerable amount of living space, and you may need to get rid of many of your possessions.

However, in exchange for choosing a minimalistic lifestyle, you may enjoy more financial freedom, less stress, and the ability to comfortably work less than you do right now.

With so many benefits associated with Louisiana tiny home living, many people are choosing to make this switch. Unfortunately, some tiny homeowners in Louisiana fail to consider the benefits associated with insuring their new shelter.

Your goal may be to live off the grid or at least to have reduced recurring expenses, so buying insurance may seem counterintuitive. However, your tiny home could be damaged during the building or towing processes or while you are living in it.

Because there are so many possible risks associated with living in a tiny home, it is important to insure your tiny home every step of the way. Make sure compare rates with our free quote tool above!

Insuring Your Tiny House on Wheels in Louisiana

Most tiny home insurance options for Louisiana residents do not offer financial protection against perils and other loss events when the little home is being built or towed to a new location.

You will need to buy separate Louisiana tiny home insurance policies for each stage of your experience.

Analyzing the many coverage options available at each stage can help you to determine the best way to insure your tiny home.

Coverage during Construction

When you are building your new home in Louisiana, keep in mind that the materials and the work done to date could be damaged or stolen at any time.

You must insure yourself against losses at this stage in the process. In the event you hire a professional builder in Louisiana to do the construction work, this contractor should be properly insured.

You may only need to buy separate coverage on your tiny home at this stage if you are tackling a do-it-yourself construction project.

Your building efforts at this stage in the ownership experience can affect your insurance options for your Louisiana tiny home at a later date. For example, your new home should be built according to NOAH certification standards.

You may enjoy access to enhanced insurance coverage at a later date, and you could even have access to better parking places. You may need to hire a licensed electrician to certify the wiring work if you want to enjoy the best results.

If you are planning on hiring a professional tiny home building contractor in Louisiana to work on the project, consider hiring a contractor who has an RVIA certification. This important certification enables you to buy RV coverage on your tiny house at a later date.

Having access to more insurance types could help you to save money while getting the coverage that you need for your Louisiana tiny home.

Coverage during Towing

As soon as you connect your Louisiana tiny home to a trailer hitch in preparation for transporting it to a permanent location, you need to exchange your building coverage for towing coverage for a tiny Louisiana home.

After all, you could be involved in a car accident, or your tiny home could be stolen or damaged by weather at this stage in the process.

A few unique types of tiny home coverage may apply to your situation in this stage of the process, and this type of insurance could potentially pay for a large portion of the repairs or replacement of the home if something bad happens.

The following insurance options should be considered:

  • RV coverage
  • trip endorsement
  • inland marine coverage
  • collision insurance
  • liability coverage

For tiny homeowners in Louisiana who hired a professional builder with the RVIA certification, buying RV coverage to pair with your auto insurance for the tow vehicle can provide collision, liability, and contents coverage.

If you did not hire a contractor with this certification to build your new shelter, you can always buy a trip endorsement for your standard auto insurance policy.

Another idea is to insure your tiny home with an inland marine insurance product. The inland marine coverage is suitable for any type of mobile shelter that is not located on the water.

Your tiny home in Louisiana should be properly insured against losses at all times. Remember that you may need to buy collision insurance as well as liability and content coverage.

The contents of the home may need to be insured separately through a unique policy in some cases.

As you shop around to review the costs for various types of tiny home insurance available, remember to request the same levels of coverage from each provider that you reach out to so that you can quickly locate the best deal possible on the coverage you need.

Coverage while Parked in Louisiana

You may think that your tiny home is relatively removed from perils and hazards when you park it in a removed Louisiana location, such as on your private land in the country.

However, any local tiny house could potentially be stolen or otherwise damaged by a wide range of perils. Buying either tiny home insurance or mobile home insurance after the home is removed from the tow hitch is a great idea.

Mobile home insurance is a great option to consider because it is easy to find and because most tiny homes qualify for this type of coverage.

Tiny home insurance may be harder to find in some cases, but it can provide you with the protection you need. Remember that tiny home insurance usually will not offer benefits related to the home’s theft or to the towing process.

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Buying the Louisiana Tiny Home Insurance You Need

A tiny home is often a major financial investment, and any type of loss related to your little shelter could be devastating to endure.

Avoiding financial hardship related to weather damage, wildlife issues, fire, theft, and more is easy to do when you buy the right insurance policy.

Regardless of the stage of ownership that you are currently in with your Louisiana tiny home, now is a suitable time to begin learning more about the insurance options available to you.

Don’t miss out on our free quote tool below! Just enter your zip code and start comparing rates now!

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