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

Tiny house insurance in Nebraska 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...

  • Nebraska is one of a few states that have official guidelines established regarding tiny homes
  • Insurance that you have on your tiny house should cover it while it’s being built, while it’s being towed, and while it is parked
  • Choose to shop around to find the best coverage for your tiny house

Because the tiny house movement is so new, there are not many states that have official guidelines for people who are living in tiny houses. Nebraska is one of the few states that has designated requirements for tiny houses.

If you want to be sure your tiny house is legal, it’s important to understand and follow all of the guidelines. Make sure to use our free quote tool above to make sure you are getting the best rate for the coverage you need!

Insuring Your Tiny House on Wheels (THOW) in Nebraska

While Nebraska has not designated the requirements for insurance of tiny houses, it does help you to have insurance. If you insure your home with a policy that covers liability, you will be protected if your tiny house hurts someone else.

You can also protect yourself with coverage for unforeseen events that could damage your tiny house.

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Coverage during Construction

Getting insurance during the construction part of your tiny house build is important because you don’t know what could happen while you are working on your house.

There are many things that could go wrong with construction, so keep that in mind when you choose to get a policy for the construction part of your tiny house living.

The money saved in the event of an accident or mishap is far more than the money spent on a construction insurance policy.

DIY Build

You may choose to build your tiny house yourself. It is something many people do to save money while they are transitioning into a tiny house, but there are some things you must keep in mind during the time you are building the tiny house.

You should have a liability policy in case someone is injured or something is damaged. You can also benefit from insuring the materials you are using because they are expensive, and a policy will cover them if they are damaged.

Even if you want to do all the construction yourself, you will need a licensed electrician who can document the electrical work done on your tiny house.

While you may not be able to have your tiny house RVIA certified, getting it certified through NOAH can be just as beneficial.

Consider looking into NOAH certification so you will have more options for your tiny house when you are parking it and looking for auto insurance on the tiny house.

Professional Build

The only way you can have your tiny house RVIA certified is to have a professional builder build the house for you. In addition to RVIA benefits you’ll get from a professional builder, you will get someone who is covered for building your house.

Builders carry insurance policies that will protect you and them while they are building your house.

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Coverage during Towing

Most tiny houses will fall under the Nebraska law that allows them to function as recreational vehicles.

This means your home needs to be able to move around the state freely and it needs to have wheels.

As long as you have wheels and have met certain RV guidelines, you will be within Nebraska regulations. The problem with towing your tiny house, though, is that it needs to be insured while you’re towing it.


If you had your home built by a RVIA-certified builder, you will be able to get RV insurance through an insurance agency and receive collision, liability, and contents coverage. When your home is complete, your builder will provide you with a RVIA certificate.

This documentation is important so you can use it to get the insurance you need for your tiny house.

Along with the RVIA certification, your home needs to be labeled according to federal and state laws on recreational vehicles.

Nebraska requires all RVs have their certification in the form of labels outside of the home. Having a label will make it easier for you to identify your tiny house as an RV.

Other Homes

In addition to state minimum liability coverage of $25,000 per person and $25,000 for property damage on your tow vehicle, you should also consider the following types of insurance coverage:

  • collision
  • comprehensive

These forms of coverage can protect your vehicle and your tiny house if you are in an accident.

While your tow vehicle needs to be insured whether you are using RV insurance or not, you can look into other options for insuring your tiny house.

NOAH DIY builders will be able to get a certification so they can get RV insurance, but if you didn’t build your house to NOAH standards, you would need to look at other options.

The most popular insurance type of those who have uncertified tiny houses is an inland marine policy.

This is a simple towing policy that will protect cargo that you have attached to your vehicle including the tiny house that’s on a single chassis.

The policy should cover any liability you have while towing if you are in an accident and you can also get collision added onto the policy.

There are not many options for comprehensive coverage on an inland marine policy because of the things that can easily happen to your tiny house that is not related to a collision.

Coverage while Parked in Nebraska

You cannot carry a homeowner’s policy on a tiny house in Nebraska because it is not a permanent structure. For your home to be considered a park model home, it will need to meet certain guidelines set by the state.

If it meets these guidelines, you can get a park model or manufactured home policy to protect it.

Prepare to use a plan that satisfies the regulations or hire someone who is familiar with building a tiny house that is within specifications.

Keep in mind to be considered an “RV,” your tiny house will need to be 450 square feet or less.

If your tiny house does not meet these guidelines, you will need to rely on renter’s insurance. This policy is similar to what full-time RV-ers use and can protect the things inside your tiny house. It can be bundled with your auto policy.

If you use renter’s insurance to protect your belongings, you need to consider additional auto coverage for the actual tiny house since renter’s insurance will not cover it.

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Saving on Tiny House Insurance in Nebraska

Before you can live in a tiny house in Nebraska, you need to be prepared for the regulations the state has. Consider the local laws, the state requirements and the set rules that you’ll need to follow.

While not necessarily required by state law, insurance can protect you from various incidents that could happen to your tiny house while living in Nebraska. Don’t miss out on our free quote tool below! Just enter your zip code and start comparing rates now!

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