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

Tiny house insurance in South Dakota 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...

  • A tiny home in South Dakota should be properly insured against losses just as you would insure a traditional home
  • Construction, transportation, and permanent coverage options for your South Dakota tiny home should be explored thoroughly and individually so that you make the most informed decision possible about your coverage options at each stage
  • Certifications related to your South Dakota tiny home’s construction can affect the types of insurance you qualify after the construction work is completed
  • Shopping for affordable tiny home insurance costs could help you to identify the best price available for each type of insurance that you intend to buy

If you are thinking about transitioning into a tiny home in South Dakota soon, you may have considerable hopes of enjoying a less stressful and more relaxed life.

This type of minimalistic lifestyle may make it easier for you to afford to spend less time working and more time with family or friends. You may even want to get off the grid completely and live a more simple or basic lifestyle.

Regardless of what your tiny home plans are, buying insurance at each stage in the process is critical.

Your tiny house in South Dakota may be your primary shelter as well as a large financial investment, and you need to insure it against potential losses.

Remember that your home could be damaged by any of the following:

  • fire
  • transportation accidents
  • severe weather events
  • theft

Tiny home insurance in South Dakota is the best option available for avoiding significant financial loss related to any of these or other events.

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Insuring Your Tiny House on Wheels in South Dakota

A tiny home in South Dakota is unlike a site-built house, and it may be more closely associated with manufactured housing because it is usually constructed in one location and relocated to another area for general use and enjoyment.

Insuring your home during the construction and transportation phases is just as important as insuring it after it has been relocated to a permanent location.

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Coverage during Construction

Regardless of whether you plan to build your South Dakota tiny home yourself with a do-it-yourself construction project or you plan to hire a professional builder to do the work for you, buying tiny home insurance during the construction phase is vital.

During this stage, supplies could be damaged or stolen, and this could equate to tremendous financial expense for you. If you are building your home yourself, you may need to buy construction-related insurance on your own.

However, if you hire a professional builder, the builder’s business insurance policy usually offers you protection against related losses until the construction aspect of the project has been completed.

If you plan to build your tiny home in South Dakota on your own, pay attention to the extensive NOAH certification requirements. Getting a NOAH certification may help you to qualify for better insurance products and great parking locations later.

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One aspect of the NOAH certification relates to the electrical work completed during the construction phase of the project.

Ideally, the electrical work will be outsourced to a licensed, experienced electrician, and this professional will provide you with a certificate for the quality of the work completed on the tiny house.

If you intend to hire a South Dakota tiny home builder to facilitate the construction effort, consider the future benefit associated with working with an RVIA-certified company or professional.

The RVIA certification could enable you to obtain RV insurance for the life of the home, and having access to more coverage options could make it easier for you to find affordable insurance for your tiny house in South Dakota that meets your needs.

At all times, you need to keep the state’s codes and building ordinances in mind. Spend time researching these requirements, and if you do not feel as though you can follow them perfectly, hiring a professional builder may be the right move to make.

This could protect the quality of the home and potentially make it easier for you to obtain insurance on your tiny home at a later date.

Coverage during Towing

Your tiny home in South Dakota may be particularly vulnerable to damage or theft when it is hooked up to a trailer hitch and traveling down the road.

Regardless of whether you intend to tow the tiny home a single time to a permanent location in South Dakota or to relocate the home frequently throughout the state for a wonderful change of scenery, transportation coverage options should be explored thoroughly.

Personal property or renter’s coverage for the contents of the tiny home should also be examined to help you avoid all potential losses.

For tiny homes in South Dakota that were built by an RVIA-certified builder, getting RV coverage in combination with auto insurance for the vehicle is one option to consider.

When the RVIA certification is not available, you can either buy an inland marine policy for your South Dakota tiny home or add a trip endorsement to your auto coverage.

An inland marine coverage option may be ideal for many tiny homes because it covers all types of mobile land dwellings.

There is a wide range of insurance companies that you could reach out to for each of these insurance options.

You should consider exploring each applicable towing insurance option carefully to find the lowest rate available on a policy that fully meets all of your coverage needs.

Coverage while Parked in South Dakota

The final stage in the tiny home experience usually lasts the longest, and it is when you park your vehicle in a permanent location and reside in the tiny house. Risks associated with this stage are theft of the house, damage to the contents of the house, fires, floods, and more.

Buying a tiny homeowner policy is one option that South Dakota property owners can think about. However, be aware that a tiny home insurance policy does not provide benefits related to transportation or theft.

You could also opt for a manufactured housing policy for your tiny home. In many cases, tiny homes qualify as manufactured housing because they are built off-site in the same way a traditional mobile home is.

While manufactured housing can be affordable, you should spend time understanding the coverage limitations before deciding to proceed with this or any other coverage option for your tiny house.

Remember that shopping for the lowest rate for insurance at each stage is important if you want to keep costs as low as possible.

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Start Looking for Tiny Home Insurance Today

While you may have grand visions of what life in your tiny home may be like, the reality is that damaging events could happen at any time and could be financially stressful to deal with.

Now is the time to start comparing insurance policies in South Dakota for each stage of your tiny home living experience.

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