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

Tiny house insurance in New Jersey 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...

  • Before you start construction on your New Jersey tiny home, explore all applicable insurance options available
  • While minimalism is a top goal for many New Jersey tiny homeowners, keep in mind that your shelter could be damaged in many ways during the building, towing, and parking stages
  • Comparing tiny home insurance rates in New Jersey may help you to set up affordable coverage that fully protects you against potential losses

Reducing your monthly expenses may be one of the primary reasons why you are thinking about buying a tiny house in New Jersey. After all, with reduced housing expenses, you could potentially work less and live life to the fullest.

You may even reduce financial stress and improve your future outlook. While reducing expenses is a top goal for your tiny house experience in New Jersey, remember that protecting yourself against property-related losses is critical.

You could experience financial losses and setbacks at any stage of the building process as well as while your home is being towed or when it is parked in New Jersey.

The reality is that multiple insurance products are needed at different stages if you want to fully reduce the possibility of financial loss. Make sure to compare rates with our free quote tool above! 

In exchange for an affordable insurance premium payment for your New Jersey tiny home, you may reduce or eliminate any concern you have about potential damage or losses.

– Insuring Your Tiny House on Wheels in New Jersey

If you plan to live in a quiet tiny house community in New Jersey or on your private land in a remote location, you may be wondering what could possibly happen to damage your home.

In fact, the possibility of damage or loss may seem so remote that you may feel like insurance is a waste of money. The reality is that tiny homes are damaged or stolen regularly, and you need ample insurance during the all three stages of the tiny home experience.

Coverage during Construction

Many New Jersey residents who want to live in a tiny house on wheels want to fully participate in all stages of the construction process.

Before you finalize this decision, remember that New Jersey has building codes and requirements that you must meet. You need to research these requirements before beginning any construction project.

If your goal is to build your home from the ground up, remember that even your materials and initial effort on the home could be damaged or stolen.

Bad weather, wildlife or pest damage, and more are real risks that you may face during this stage. Buying insurance for your supplies and other related materials is important.

When building your New Jersey tiny home on your own, remember that your efforts can directly impact your tiny house insurance options down the road.

For example, hiring an electrician to certify your electrical work and working to meet the NOAH certification requirements could help you to qualify for exceptional insurance on a parked home.

You may also have access to a greater number of desirable parking places when you build your home according to these lofty standards.

The do-it-yourself approach does not appeal to everyone who wants to live in a New Jersey tiny house, and a great alternative is to choose a reputable building company to assist you.

Your builder will address all insurance needs at this stage, so you will not have to worry about losses. Simply make sure that your builder is properly insured before the work begins.

In addition, if your tiny house builder in New Jersey has the RVIA certification, you could potentially use RV insurance during the transportation stage of the ownership experience.

Having access to additional insurance options during the transportation stage could help you to potentially save money on the coverage you need.

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Coverage during Towing

Some New Jersey residents build their tiny house directly on their own private land in a beautiful location without a need to tow it anywhere, but others plan to tow a finished tiny home to a permanent location after the construction is finalized.

Each time you connect your New Jersey tiny home’s trailer hitch to your vehicle, you need to have transportation or towing coverage on the home.

You have a few coverage options to consider for towing insurance, and comparing rates online may help you to find the best deal possible.

When your tiny house in New Jersey was professionally built by a company or individual with an RVIA certification, you could use RV insurance along with auto insurance for all of your transportation coverage needs.

Your two options for coverage at this stage, if you did not obtain the RVIA certification during the building process, are to use a trip endorsement on your regular vehicle policy or to buy inland marine insurance from a specialty provider.

The latter type of insurance is available for any type of land-based mobile shelter, including a New Jersey tiny house.

To ensure that your tiny home in New Jersey is fully protected by a comprehensive insurance policy, verify that your policy includes the following coverages:

  • liability insurance
  • contents coverage
  • collision protection

In many cases, contents coverage for your furniture and other personal items that you place inside the home must be obtained separately, such as with a renter’s insurance policy.

Coverage while Parked in New Jersey

The final step in your New Jersey building or buying process is to finally unhook the tiny home from your tow hitch and get settled in.

Living in your tiny home exposes you to all of the same risks that you would have with any other house, and theft is an additional concern because of the mobility of this type of shelter.

Buying a special tiny homeowner insurance policy could be effective, but understand that this type of insurance policy will not insure against transportation damage or theft of the building.

You could also insure your New Jersey tiny home with a mobile home insurance policy. This is because both tiny homes and manufactured homes are built in one location and transported to another.

They are essentially very similar except in terms of size, so similar insurance options could be used on them.

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Protecting Your New Jersey Tiny Home

A New Jersey tiny home could transform and improve your life in incredible ways, but it also could be damaged or worse at any point.

Because of how vital your shelter is to your way of life, you need to fully insure it every step of the way.

Today is a great day to begin exploring tiny home insurance products. Don’t miss out on our free quote tool below! Just enter your zip code and start comparing rates now!

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