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

Tiny house insurance in Montana is required for parked and mobile tiny homes. The minimum liability coverage requirement in Montana is 25/50/20, and standard auto insurance may be enough to cover your tiny house.

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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...

  • A tiny house on wheels in Montana needs insurance while parked and on the move
  • Auto insurance policies may allow you to extend coverage to your tiny house on wheels
  • Tiny house homeowner’s insurance may help provide coverage similar to a traditional home insurance policy

The state of Montana is known for its small towns, raw nature, and inclusive community. The sense of togetherness is great, but it is not a lifestyle for everyone.

What do you do if you want to get off of the grid, pave your path? One of the best ways to do that is to go with a tiny house on wheels in Montana.

Your tiny house takes you anywhere; Let your imagination run wild! When you decide to head out into the world with a tiny house on wheels, though, don’t forget about insurance.

Insurance has to be taken into consideration when you are talking about a tiny house on wheels. Make sure to compare rates with our free quote tool above! 

These types of houses are going to need to be covered with unique kinds of insurance, no different then you would need for your auto and home insurance policies in the more traditional sense.

As a consumer, you want to be shopping the market to ensure you get a policy that meets your needs and helps protect your tiny home in Montana.

The Tiny House Homeowner’s Policy

One of the most common choices you have when it comes to insurance for your tiny house on wheels is a standard tiny house homeowner’s policy.

Many insurance carriers are starting to offer this type of policy, which has been built specifically for the person who wants to own and live in a tiny house on wheels.

The tiny house homeowner’s insurance offers liability and content coverage as well as protection of the residence itself.

If someone gets hurt in your tiny house, or you have damages to contents inside of it, you’d be covered. If a severe storm did damage to the tiny home, you’d also be covered. The best way to compare this is to a standard homeowner’s insurance policy.

The one caveat to this type of policy is that there will be limits regarding how much you can move your tiny house on wheels around. The policy dictates how frequently you can move it in any one year. More likely than not, you’ll be capped at two moves.

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Types of Tiny House Builds

The type of tiny house builds that you have going to weigh on the insurability of the residence, as well as the premium that you’ll end up paying.

If you have a tiny house that was built by you, you may want to have it inspected by an insurance carrier to get the best rate, proving that it was constructed appropriately.

Professional builds should also have evidence of materials used in the construction, proof a certified electrician was utilized, etc. The type of build will drive the rates you get for your insurance policy.

Tiny Houses on the Move

What do you do if you have a tiny house on wheels that you plan to take on the move with you? The best option for you in this instance is to go with RV insurance. If you are towing a tiny house on wheels, every state requires you to have this coverage.

The big difference between this policy and the tiny house homeowner’s policy is that it is much more akin to auto insurance.

What this policy covers are a collision, as well as content protection, and liability coverage. All of this coverage is in place while the tiny house on wheels is in motion.

Once you are parked in a stationary location, your tiny house homeowner’s policy comes into play. When you are moving, though, the RV insurance will help ensure you are safe.

The catch to this policy is that you cannot live it in full time while under an RV insurance policy. A standard auto insurance policy may have to be considered for coverage on the go in the case where you are living in it year-round.

Standard Auto Insurance

You may want to talk to your insurance carrier. It is possible that with your standard auto insurance policy, that you will be able to tow a tiny house on wheels and still be covered.

You may have to add the tiny house on wheels to the policy, paying an increased premium as a result. This could alleviate the need for you to get a separate RV insurance policy though, especially if you plan to live in the tiny house full time.

Keep state requirements in mind as well:

  • The minimum limit for bodily injury to or death of one person in one accident is $25,000
  • The minimum limit for bodily injury to or death of two or more persons in one accident is $50,000
  • The minimum for coverage of the destruction of property in the state is $20,000

This standard is according to Montana Code Annotated (MCA) 61-6-103.

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Finding the Right Insurance for a Tiny House on Wheels

A tiny house on wheels is appealing to many living in Montana and abroad. The idea of being out on the open road, free to explore wherever, taking your house with you. It is exciting, and the intrigue of it is quite apparent.

Be wary of insurance needs though and shop the market. Use our price comparison tool below, compare coverage options, premium quotes, etc. until you get the right balance.

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