What insurance do I need for my tiny house in North Dakota?

To insure a tiny house in North Dakota, you'll need different policies for different stages of construction. You'll pay an average of $50 a month for insurance.

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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...

  • North Dakota does not have building standards for tiny houses
  • You’ll need different policies for different stages of your tiny house
  • Expect to pay about $50 a month for insurance on a tiny house
  • Keep in mind insurance regulations may change as tiny houses become more popular in North Dakota


While tiny houses are becoming a more popular in an outdoors lifestyle state like North Dakota, it still takes time for the state to establish specific guidelines on what your tiny home needs to have regulated and what you need to insure with your tiny home.

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Insuring Your Tiny House on Wheels in North Dakota

Since North Dakota does not specify the insurance you’ll need for your tiny house, it is your responsibility to find the coverage you think will protect you.

when you’re insuring your tiny house, you will need to consider all the different aspects of the following:

  • Building
  • Towing
  • Parking 

The only requirement North Dakota has does not relate to insurance, but instead, allows you to be exempt from a mobile home tax if you have a tiny house.

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Coverage during Construction

Building your tiny house may seem like a simple task, but you should still insure yourself and your future property while you are building it. The type of insurance you have while you are building will depend on the approach you’re taking for your tiny house.

RVIA

North Dakota builders will need to meet requirements to build any type of dwelling, but finding someone who is certified by RVIA to build RV’s is one of the best choices you can make while building your tiny home.

If you choose someone who is RVIA certified, you’ll be able to qualify for different regulations concerning parking, use of campgrounds, and insurance.

NOAH

While a builder can be NOAH certified for alternative housing, you can also get yourself certified. This will help you when it comes to building your tiny house.

You can learn more about the different processes and NOAH offers an entire community of DIY-ers who are able to connect with each other on the tiny home building process.

This community can also help you find a certified electrician who can do that part of the tiny house building for you. You will need to have the electric certified to ensure you are safe.

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Coverage during Towing

Tiny houses are often built on wheels. While some states allow you to build your tiny house on a foundation, North Dakota’s codes do not currently support that ability.

You will need to build on wheels which means you’ll be able to tow your tiny house at some point. 

Even if you do not want to tow it right away, you should have an insurance policy ready in case you need to tow it to a different location.

Whether you are going to use RV insurance or another insurance option, your tow vehicle needs to have the liability minimum of $25,000 per person and property damage.

Certified

As long as your tiny house is an official RV, you should have no problem getting RV-specific insurance. This can even be bundled with your tow vehicle policy to help you save money.

Many agents across North Dakota offer RV insurance in addition to vehicle insurance so keep that in mind when you are shopping around for the best price.

NOAH

Choosing to build your home yourself or not use an RVIA certified builder will be able to save you money up front, but it may cost more when you are trying to insure your home.

The two most popular options for your tiny house towing coverage in North Dakota are trip endorsement coverage and inland marine coverage.

With a trip endorsement, your agent will be able to write a document and attach it to your tow vehicle policy. You can generally only include the vehicle in the policy and it may not be covered for comprehensive and collision.

This policy usually only covers any liability you will have while you are towing your tiny house.

The inland marine policy can include comprehensive and collision coverage, but it will depend on how often you are towing your tiny house.

If you plan to tow it on a regular basis, inland marine insurance will not work because it is only meant for towing from one spot to a permanent location. Keep in mind the amount of time you plan to spend on the road while you are shopping for insurance.

Where can you put a tiny house?

Depending on how often you plan to move your tiny house, it is important to get different coverage for while you are parked. The vehicle insurance you have for towing will not cover the things inside your tiny house so keep that in mind when you are getting the insurance policy.

Keep these insurance options in mind:

  • Homeowners policy
  • Renter’s policy
  • RV policy

A homeowner’s policy works well in North Dakota because you can keep a tiny house on your own land.

It can be considered a recreational dwelling (similar to a hunting cabin) in North Dakota as long as you are not technically living in it full time.

This works well if you have land you already own or if you find land that you can easily keep your tiny house on.

People who prefer to travel with their tiny house may be better off with a rental insurance policy in North Dakota.

There are no regulations to how many times you can move, but if your tiny house is considered a park model RV under RVIA guidelines, you will need to invest in a renter’s insurance policy for while you are on a rented piece of land.

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Tiny Home Insurance

Finding an RVIA builder will make it easier for you to insure your tiny house in North Dakota. There are several options you have to insure it, though, if it is not certified so shop around for the best quote possible.

Before you even start to build your tiny house in North Dakota, consider what you are going to do with your tiny house.

Have a solid plan for the tiny house before you purchase land, materials, or any other big expense that you may not be able to return if the tiny house build doesn’t work out.

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