What insurance do I need for my tiny house in New Hampshire?

Tiny homes in New Hampshire don’t have a large number of regulations, but they still require a lot of insurance coverage. Rates average $70 per month.

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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...

  • New Hampshire doesn’t currently impose a significant number of regulations on tiny houses
  • Tiny houses do require a great deal of insurance coverage
  • Insurance rates for tiny homes average $70 per month
  • Bundling could save a tiny house owner a lot of money on multiple insurance policies

The border near Vermont, Londonderry, and other regions of the Granite State present many perfect locations for living off the grid. Being away from the grid does necessitate a bit of planning. Where exactly you are going to reside and in what type of residence.

Traditional homes are rarely built off the grid. Tiny houses, however, perfectly fit into this type of living arrangement. Not only can you save money and space, you retain the option of building a custom tiny home to your exact specifications.

Things aren’t entirely easy with tiny home living. Tiny houses may be off the grid, but the properties still rest on land in New Hampshire. Make sure to compare the rates with our free quote tool above! 

Legal and other issues arise when owning a tiny house. Besides protecting your investment in the tiny house, you must weigh concerns about liability.

The right insurance helps address all these issues. And you would need a lot of insurance to cover perils present when building the tiny house, placing the house in transit, and when the home is parked.

Insuring Your Tiny House on Wheels (THOW) in New Hampshire

Even though several different insurance policies may be required for tiny house life, acquiring the insurance should not be too difficult.

A multitude of insurance companies serving New York would be more than willing to underwrite the necessary policies for a qualified applicant. And an applicant would need to purchases several policies to cover:

Coverage during Construction

Construction reflects the first phase in which insurance must be purchased. Those building their own tiny homes may discover a lot can go wrong during a do-it-yourself construction. An electrical fire, for example, could destroy the house before completion.

Take that example as a warning to only hire a certified electrician and making sure all the materials for the home are insured.

DIY builders should seek a NOAH certification to establish the safety of the project. In addition to the certification opening more doors for parking the home, insurance options increase as well.

Things might become even easier when a professional contractor does the job.

Professional builders carry their own insurance, which takes some of the responsibilities off the shoulders of the soon-to-be tiny house owner.

Hiring a RVIA certified builder might even be better. Such a builder could lead to getting RV insurance on the property for its lifespan.

Coverage during Towing

After constructing the tiny house, the property must be moved from one location to another. The second a tiny house goes from being grounded to towed, the insurance requirements change. Is the home RVIA certified or non-RVIA certified?

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 RVIA Certified

With a RVIA certified tiny home, you need a combination of RV coverage and auto insurance for a tow vehicle.

The RV policy should include collision and liability coverage to cover losses to the both the home and anything the home comes in contact with.

Content protection is worth buying as well as this would pay for damages and losses to items inside the tiny home.

Make sure the right category of coverage is purchased. You need either full-time residence or recreational residence coverage. The wrong coverage category would lead to the voiding of an insurance policy.

 Non-RVIA Certified

With non-RVIA certified homes, you should bundle three necessary types of coverage:

  • Auto insurance with a trip endorsement rider to cover the transportation
  • An inland marine policy to cover property in transit
  • Renter’s insurance to pay for personal belongings

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Where can I park my tiny house in New Hampshire?

A tiny house is a home so, once parked, it requires a tiny house’s version of homeowner’s insurance. Be mindful that tiny house homeowner’s insurance won’t cover theft nor pay for damages in transit.

Those new to insuring tiny homes really should read up on the subject of insurance due to all the different policy requirements.

Local governments in New Hampshire have not fully devised ways to tax or regulate tiny houses. Owners who park a tiny house in New Hampshire do need to accept the fact regulations are currently loose but could be increased.

Interestingly, new rules have been passed to relax regulations on “accessory dwelling units,” which could open the doors for more tiny houses to be parked on private property. Local government now may find it harder to restrict these types of structures.

Those wishing for more certainty when parking a tiny home may wish to look into moving their tiny houses onto an RV lot or into a trailer community if possible.

No matter where the house resides, the right insurance policy has to be put into place.

Check with insurance companies to see is park models or manufactured home policies would be acceptable based on the type of home and where it is located.

How do you find tiny house coverage in New Hampshire?

Online requests for quotes should reveal scores of different insurance options. Considering the different insurance policies required to cover a tiny house, seek out bundles capable of saving money on the cost of multiple policies.

Considering the variety of policies necessary, bundling and examining any available discounts makes sense when reviewing tiny house coverage in New Hampshire.

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