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

Tiny house insurance in Maine 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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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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...

  • When building a tiny home in Maine, obtain insurance against losses on your building materials
  • The steps you take when building the home could affect your tiny home insurance options later
  • With multiple coverage options available for your Maine tiny home at each stage, it is important to compare insurance rates for building, towing, and parked coverage

You may have grand dreams of scaling back your lifestyle and living in a tiny home community in Maine. Perhaps you even want to get off the grid and live a sustainable life on your own land.

Many people who think ahead about how much money they can save with tiny home living fail to take into account the insurance needed on a tiny home. Without the right insurance in place when a mishap occurs, you may face considerable loss.

It is common for local residents in Maine to sink most of their savings into the construction or purchase of a lovely tiny home.

If something were to happen to this building, you may stand to lose most of your investment into the home. You may even get sued if someone is injured inside your tiny house. Make sure you are covered with our free quote tool above today! 

In addition, you may not have any financial ability to get settled into a replacement home, and ample insurance products are available for Maine tiny homes for the construction phase as well as when the tiny house is being towed or parked.

Insuring Your Tiny House on Wheels in Maine

Your tiny house could be exposed to a wide range of potentially damaging or even devastating events, and this begins with the possibility of theft or weather-related damage during the building phase.

Car accidents and theft could impact the tiny home while it is being toward to its final location.

Even after your Maine tiny home is parked in a long-term location, risks associated with fire, strong windstorms, flooding, wildlife damage, and more could occur.

Insurance for your Maine tiny house is necessary if you want to avoid unnecessary financial losses at each stage.

Coverage during Construction

While camping is permitted on private land in Maine, be aware that structures like tiny houses may need to comply with specific building codes and ordinances.

If you intend to build your own Maine tiny house, you need to research these requirements as well as the requirements to qualify for a NOAH certification.

With a NOAH certification, you can find better places to park your tiny house, and you could potentially get better insurance on the structure.

Your do-it-yourself building efforts should include professional help from a certified electrician. This professional can ensure that your wiring is properly installed, and this could assist with insurance options and with the NOAH certification.

Some people will buy insurance for their tiny home building materials at this stage to avoid financial stress if those materials were damaged or stolen.

The alternative to building your own tiny house in Maine is to request professional help from an experienced team.

When selecting the right crew to complete the construction work on your tiny house, verify that the builder at least has an active insurance policy.

It is also helpful to look for a builder who has an RVIA certification. Your home may be insured by an RV policy later if it is built by a professional with the RVIA certification.

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Coverage during Towing

Towing your completed tiny house in Maine to its new location where you intend to park it and live in it can be risky. After all, the tiny house could be damaged on the road or even stolen.

You must obtain trailer or tow insurance on the structure before connecting the hitch to your vehicle each time you intend to transport the home to a new location. Several types of Maine tiny home coverage are available for this stage in your ownership process.

Some people who used a professional builder with an RVIA certification may qualify for RV coverage at this stage.

An RV policy should be incorporated with the standard auto insurance in place on the tow car or truck.

When the certification is not present, you can buy a short-term trip endorsement on your regular car insurance policy, or you can choose inland marine insurance, which is well-suited for any type of mobile, land-based dwelling.

These coverage options usually do not provide you with benefits associated with the contents of your Maine tiny house. Protection for furniture, kitchen appliances, and other expensive items should be obtained separately, such as with a renter’s insurance policy.

Shopping around to compare all of the tiny house insurance options available is a great idea, but you also need to ensure that you have the right types of coverage at each stage.

Because this is your home, the following types of insurance are necessary:

  • contents insurance
  • liability coverage
  • other insurance products

Coverage while Parked in Maine

Even if you plan to park your tiny home in Maine in a very removed, out-of-the-way location, you still need to plan ahead for perils and risks.

Damage from a fire, pests, bad rainstorms, and more could easily impact your home, and in some cases, the home may no longer be livable.

You need a way to pay for the repair work and to pay for temporary shelter while your tiny house is being repaired or replaced.

Some Maine tiny homeowners buy mobile home insurance for their property. Both tiny homes and mobile homes are usually built in a factory or warehouse and are later transported to a parking spot.

Because of these shared qualities, some tiny homes qualify for mobile home insurance. You may also reach out to a specialty insurance provider in Maine to inquire about tiny home insurance.

Keep in mind that a traditional tiny home insurance policy will not pay benefits if your entire structure or stolen. It also does not offer benefits for transportation-related losses.

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Buying Affordable Coverage for Your Maine Tiny Home

The Maine tiny home lifestyle is focused on minimalism, but that does not mean that you should be unwise by failing to insure a valuable and essential asset like your tiny home.

You could shop around for a few different Maine providers, or you may even bundle some of your different insurance policies together to save money on your premium.

Request online quotes for free with our quote tool below and compare each insurance option available for a Maine tiny house, you can make smart, informed decisions.

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