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

Tiny house insurance in Oklahoma 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...

  • Insurance for your tiny house can protect you during building, traveling and parking
  • Oklahoma requires you to carry liability on your tow vehicle, but not your tiny house
  • There will be different insurance types you can buy depending on the way your tiny house is built


Many people are choosing tiny house living as opposed to the traditional living because of the minimalism it provides.

It is also a more convenient and affordable way to live so people will have a chance to enjoy enriching experiences instead of working to pay mega-mortgages and other costs associated with traditional homeownership.

Tiny house living in Oklahoma is easier than in most states because zoning laws often do not apply outside of city limits in counties across the state. Make sure to compare rates with our free quote tool above! 

Insuring your Tiny House on Wheels in Oklahoma

It does not matter if your tiny home is cleared for city-limit living in Oklahoma or if it is going to be on a parcel in a town miles from the nearest city, you will need to have insurance on it.

There are different types of insurance policies that will work well for your tiny home so keep that in mind when you are building your home.

You will also need to consider what type of insurance policy you need to tow your home and how you are going to insure it once it’s parked.

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Coverage during Construction

The construction phase of tiny house living is perhaps one of the most important.

It is during this phase that you’ll figure out what layout you are going to use for your tiny house, what you are going to include in your home and the materials you’ll use to make your home the best it can be.

You can choose to hire a builder who can help you with your home or simply do it yourself.

Professional

The recreational vehicle international association, RVIA, has guidelines builders must meet to create RVs.

They need to be clear on the guidelines in Oklahoma and also have to provide documentation on different aspects of the homes they build. These requirements include chassis requirements, electrical and even plumbing.

If you choose to hire someone who can build your tiny house as an RV, it will be easier to insure it and park it.

Builders who work with the RVIA will always be insured and most other legitimate home builders and contractors should carry their own insurance policies, too.

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DIY

Since most people are trying to save money while building a tiny house, many choose to go the DIY route. If you choose this option, it is important to remember you still need insurance.

The insurance policy you choose during construction should cover materials and any liability you will have while building. Shopping around for the best policy possible will help you have an easier time getting covered.

Coverage during Towing

Since most people choose to build their tiny houses to be portable, you need to be prepared for towing your tiny house.

There are several options you have when getting insurance for your tiny house while towing, but these will each depend on how your house was built.

A Certified House

If your house were built by a RVIA-certified builder, it would technically be an RV.

Having the RVIA certification can help you qualify for an RV insurance policy.

While Oklahoma does not require you to carry any insurance on your RV, you can better protect yourself if you have collision and comprehensive coverage which can protect both the inside and outside of your tiny home.

Self-Built Home

Since there are so many people who choose to build their own tiny houses in Oklahoma, it is important to realize there are other types of coverage for these situations.

Depending on how often you plan to tow your home, you can benefit from other types of policies on your tiny house.

Your tow vehicle is the first thing you will need to cover in Oklahoma. The state requires you to have minimum liability coverage up to $25,000 for more than one person.

Aside from that, comprehensive and collision coverage can keep you protected while you’re on the road.

If you are going to tow your tiny house, you can find an insurance agent who will create an endorsement on your policy to cover anything you are towing including the tiny house. The downside to this is it will not be protected while it is parked.

Coverage while Parked in Oklahoma

Since your auto insurance policy will not cover you when you are parked in a location with your tiny house, you will need to consider the coverage options you have when you’re parked:

  • homeowner’s policy
  • renter’s insurance

Since Oklahoma laws make it easy to have your tiny house on your property, a homeowner’s policy will protect all your belongings.

The most important thing you can do when you decide on this type of policy is itemizing your belongings in your tiny house, so you know exactly what you have and how much its worth.

It is helpful to consider all the different things that can happen in Oklahoma, including tornadoes, and be sure you are covered for those events. Also, consider coverage for fires and floods depending on where your land is.

If you do not own land and you are going to be towing your tiny house to different destinations similar to an RV, consider a renter’s insurance policy. The renter’s insurance you carry will help you cover the things inside of your house.

Unlike a homeowner’s policy, it will not protect the actual tiny house, only the things inside of it.

Be sure to find an insurance agent who can provide you with a rental insurance policy that is bundled together with your auto insurance policy so you can protect your belongings and your vehicle all in one simplified bill.

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Tiny Home Insurance

Tiny house living can be rewarding, so you need to make sure your lifestyle is protected. Oklahoma is one of the easiest states to have a tiny house in even though there are no official zoning or code requirements.

You can take advantage of the lax land laws in Oklahoma, so you’ll have a chance to keep your tiny house nearly anywhere that you want in Oklahoma.

Since you should have several policies on your tiny house, you can talk to your insurance agent about what you can bundle together to save the most amount of money. Don’t miss out on our free quote tool below! Just enter your zip code and start comparing rates now!

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