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

Tiny house insurance in Minnesota 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: Jan 22, 2021

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Here's what you need to know...

  • Minnesota has special codes that you must follow when building a home, and some people build their tiny house to even higher standards to obtain the NOAH certification
  • Various certifications associated with the construction process for your Minnesota tiny house can affect insurance options after the construction phase is completed
  • Minnesota tiny homes should be insured during the building phase as well as when the home is being towed and when it is parked

Living in a tiny home in Minnesota can result in your housing-related expenses being dramatically reduced. With less monthly overhead to pay for, you could reposition your life so that you work less and enjoy life more fully.

Some Minnesotans even transition into tiny home living off of the grid and have fully-sustained homes in quiet locations throughout the state.

Remember, though, that any tiny home could be impacted by fire, theft, and other risks without warning and insurance is critical at various stages of the ownership process if you want to avoid financial stress when these events occur.

A tiny home is an excellent investment that may result in a dramatically improved life, but you do not want to skimp in the area of insurance. Compare rates now with our free quote tool above!

Insurance on your tiny home during construction and towing as well as when you park the home for a permanent living experience could help you to avoid substantial financial loss.

If you are preparing to buy or build a Minnesota tiny home, you need to understand all insurance options that may be relevant to your situation.

Insuring Your Tiny House on Wheels in Minnesota

It can be difficult to imagine your cute tiny house in Minnesota damaged in any way, but these structures face all of the same damaging perils that site-built home faces.

In addition, because they are on wheels, they could be damaged in a car accident or stolen by thieves. If you want to avoid financial loss associated with your primary shelter, buying tiny house insurance for each stage is vital.

Coverage during Construction

Tiny homes can be enjoyed by young adults who are looking for an improved lifestyle free of financial worry, retirees who want to downsize housing expenses, and more.

Minnesota’s legal regulations even allow tiny homes to be used as caregiver units and placed in backyards, which adds to their functionality and appeal. There are, however, building codes for Minnesota tiny homes that you must comply with.

When building your Minnesota tiny home yourself, you must understand the building codes and verify that all stages of your efforts are in compliance with the codes.

You also may prefer to follow the guidelines for the NOAH certification, which could help you to qualify for great insurance products and better parking locations down the road.

Hiring a licensed electrical contractor to complete and certify your electrical work is also an important step to take that could help you to qualify for specific types of insurance later.

It is important to understand the risks and perils you could face when building a tiny home in Minnesota yourself:

  • The supplies and equipment that you are using could be stolen or damaged in some way
  • The overall structure that you have built to date could also be damaged or stolen

Buying insurance for this stage of the effort when building your tiny house in Minnesota on your own is critical.

You do not have to construct your Minnesota tiny home yourself because hiring a contractor to facilitate the effort is also an option available.

Your tiny home contractor should be fully insured to cover construction-related incidents, but you will need to verify this before hiring a professional or team.

Some tiny homeowners also prefer to hire a contractor who has the RVIA certification because it enables your home to qualify for RV insurance later.

Coverage during Towing

Unlike site-built homes in Minnesota, many tiny homes are built on a trailer and are intended to be hauled to a new location once or several times over the years.

A Minnesota tiny home must be insured with short-term coverage for towing at this stage and each time the trailer is hitched to a car in the future.

If you decided to hire an RVIA-certified building contractor to assist with the construction process, you could use a combination of RV and auto insurance to fully protect yourself from collision, liability, and content losses on the tiny home and on your tow vehicle.

Many tiny homeowners in Minnesota do not have the RVIA certification linked to their shelter, and you will need to explore other coverage options in this case.

One idea is to ask your auto insurance provider to provide a short-term trip endorsement to your policy to cover damages to your trailer and shelter.

Another idea is to buy an inland marine policy for Minnesota tiny homes, which is an effective coverage option for any type of land-based mobile habitat.

Many Minnesotans also purchase renter’s coverage to insure the contents of the home, such as appliances and electronics, against potential losses.

You may find that there are several insurance options available for your Minnesota tiny home. The best way to determine which policy would be most affordable and protective is to request online quotes today.

Coverage while Parked in Minnesota

A new type of insurance policy is needed once your tiny home arrives at its permanent location and is removed from the tow hitch on your vehicle. Tiny homeowner’s insurance for Minnesota shelters is available through some specialty providers.

While this type of coverage is very protective, it does not provide benefits related to the transportation of the tiny home or if the entire home is stolen.

A tiny home and a mobile home are similar because both are built in a factory or warehouse, and both are hauled to a permanent location.

Because of this similarity, you may be able to buy a manufactured home insurance policy to cover your tiny home. Each provider has unique requirements that you should fully explore before making a buying decision.

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Obtaining Minnesota Tiny Home Insurance

If you are preparing to buy or build a new tiny house in Minnesota, you must think about insuring it through all stages of the process.

Damage and theft are concerns at any time, and these types of issues could result in financial loss for you that could potentially be staggering and difficult to bear.

Because losses can occur as soon as the building process starts, you need to explore all tiny home insurance possibilities available today.

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

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