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

Tiny house insurance in New York 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...

  • While tiny homes are equated to carefree, relaxed lifestyles, tiny homeowners in New York should still focus on protecting themselves against potential losses with an insurance policy
  • Because damage or losses could occur in New York tiny homes as soon as construction begins, temporary insurance for the construction and towing phases is needed
  • Tiny homeowners in New York should be aware that some types of insurance may not offer protection for contents inside the home, and a secondary policy may be needed for this purpose

New York may be well-known for its expensive real estate, but some local residents are bucking the trend and choosing to live a minimalist lifestyle in a tiny home.

In fact, the trend toward tiny homes in this state is so popular that some tiny home communities have cropped up throughout the state.

Whether you live in one of these communities or on your own land in New York, you should plan ahead for the possibility that your home may be damaged or stolen at some point. Make sure to compare rates with our free quote tool above! 

Buying insurance on a tiny home in New York is often not at the forefront of your mind when building and towing a tiny home, but damaging events could impact your tiny home as soon as construction begins.

Insurance for your tiny house in New York is needed at every stage in the process, and you have multiple insurance options to consider in most cases.

Insuring Your Tiny House on Wheels in New York

If you plan to build or buy a tiny house in New York soon, you need to start learning about insurance options and requesting quotes from lenders.

You may need separate coverage when constructing the tiny house, towing it, and living in it on a permanent basis. Exploring the many tiny house insurance options now can help you to be prepared for each stage in your tiny home experience.

Coverage during Construction

Some people want to take a hands-on approach to building a tiny home in New York. If you can relate to this, you should carefully examine building regulations in this state as well as the requirements for the NOAH certification.

While you want your New York tiny house to be built to code, you also want it to qualify for great insurance policies and parking spaces in the future. The NOAH certification is critical if this is your goal.

When building your New York tiny house on your own, consider buying insurance as soon as possible to reduce financial loss if your materials are stolen or damaged. In addition, think about contracting a certified electrician to assist with the wiring.

When your tiny house’s electrical work is certified, you may qualify for the NOAH certification more easily.

In addition, think about contracting a certified electrician to assist with the wiring. When your tiny house’s electrical work is certified, you may qualify for the NOAH certification more easily.

Some New Yorkers who want to live a charmed life in a tiny home do not have the inclination to build their home on their own.

If you prefer to have a professional do the hard work for you, hiring a professional builder in New York who is properly licensed and insured is a great idea.

The professional’s insurance should cover losses on your home until the construction work has been finalized.

Think about looking for a builder that has a certification from RVIA. This important certification may help you to qualify for RV insurance. Having access to more insurance options may make it easier for you to set up an affordable, effective policy that meets your needs.

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Coverage during Towing

By the time the construction work on your New York tiny home has been completed, you may have already found the perfect place to tow your little home to.

This may be one of the many tiny house communities throughout the state or to your own private land.

Before you can legally connect your tiny home’s trailer to your car’s tow hitch, you need to buy towing coverage, and there are several excellent insurance options to consider at this stage in the process.

If your New York tiny house was not professionally built by a company or individual with the RVIA certification, your only insurance options are the following:

  • to obtain an inland marine policy
  • to add a trip endorsement to your regular auto insurance policy

For homes that were professionally built by a company with the RV certification, you also have the additional insurance option of RV coverage. RV insurance can be used in conjunction with your car’s auto policy to provide the full level of protection that you need.

Comparing rates for each option that relates to your situation can help you to identify the most affordable yet protective coverage available.

While your tiny home towing coverage needs to be affordable, it should also provide the full level of coverage and benefits that you need. Verify that your policy includes components for liability, collision, and contents.

Some tiny homeowners in New York need to add renter’s coverage to their insurance portfolio to obtain contents coverage. This would protect you against losses for damage or theft of furniture, appliances, and other items inside the tiny home.

Coverage while Parked in New York

Tiny homes in New York need to be properly registered as well as insured. When parking your tiny home in a permanent location, take time to explore registration requirements and ensure that your home is fully registered according to the law in New York.

Now is also the time to review your permanent coverage options available.

A tiny homeowner policy from a specialty provider could provide most of the coverage you need, but this type of insurance policy typically offers no protection for the following:

  • contents
  • towing issues
  • theft losses

Mobile homes are built in an off-site location and towed to a parking place, and this is very similar to how tiny homes are built and transported.

With this in mind, buying a mobile home insurance policy for your New York tiny house is another idea to consider.Comparing rates for both permanent coverage options is an excellent idea.

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Protect Yourself From Losses on Your New York Tiny Home

While you may be optimistic about how wonderful life will be once you get settled into your New York tiny house, you should plan for worst-case scenarios.

Buying insurance for the construction, towing, and parking of your tiny home in New York is essential if you want to be prepared for the unexpected. Now is the right time to learn more about the insurance options that may be most applicable to your situation.

Use our free quote tool below to get a free quote today! 

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