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

You can get tiny home insurance in Texas from specialty insurance companies, but it does not cover transportation of the tiny home or theft of the home. Rates average $70 per month.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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...

  • Living in a tiny house in Texas can be sublime, but homeowners need to prepare for the unexpected by insuring their tiny home
  • Different types of home insurance are available for building, transporting, and living in a tiny home in Texas
  • Rates for insuring a tiny home average $70 per month
  • Comparison shopping for Texas tiny home insurance coverage can help you to identify the best deal available on the insurance you need

For individuals who are ready to depart from the traditional lifestyle in Texas and downsize their lives, living in a tiny house has considerable appeal.

With a tiny house, you may be able to work less and enjoying spending more time with family and friends, working on a hobby, and more.

While some have already transitioned to this type of lifestyle, many other Texans are seriously considering this option for the near future.

Are tiny homes insurable?

Many tiny house owners in Texas who go off the grid with their living experience fail to get their shelter properly insured against potential losses they may incur.

Buying tiny house insurance in Texas is critical, and there are different types of insurance available for each stage of the ownership process that you are in.

Because you are living in a tiny house on wheels in Texas, your house will need insurance while it is being built as well as while you are on the road, and while the home is parked.

Exploring coverage options available and comparison shopping to find the best deal on insurance products is imperative if you want to keep your living expenses as low as possible. Compare rates today with our free quote tool above! 

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How much does it cost to insure a tiny house in Texas?

Your Texas tiny house could be damaged by fire, wind, severe storms, and other factors just as any other type of house could.

It could also be stolen or vandalized, or the materials could get stolen during the construction phase. While there are many perils that you may face with your tiny house, you can buy insurance for your Texas tiny house to address the risks.

Coverage during Construction

A tiny house in Texas is a true financial investment, and you are exposed to financial risks from the day that construction on the home begins.

If you plan to build your Texas tiny house yourself, you should be prepared for the possibility of the supplies and materials getting stolen or of the house being damaged because of severe weather during the construction process.

Buying insurance for this stage of the process is essential so that you are prepared for these possibilities.

When building the house on your own in Texas, understand that some of the construction efforts that you use now could affect your insurance options later.

For example, while you may do most of the construction work on your own, you should explore the benefits associated with using a licensed electrician to complete and certify the electrical work on your tiny home.

This will help you to obtain better insurance coverage on your tiny home in the future. You also should strive to obtain the NOAH certification when building a Texas tiny home because many insurers look for this certification.

On the other hand, if you hire a professional tiny house builder in Texas to help you with this project, you should review the builder’s insurance coverage and ensure that it is protective of the home and supplies when the home is in the construction phase.

How do I get my Rvia tiny house certified?

Ideally, you will choose a builder with an RVIA certification. This certification can enable you to get RV insurance on the tiny home in the future, opening up an important coverage option.

While some Texas residents will build a tiny home on wheels, others will build a tiny home on a permanent foundation on their own land.

If you fall into this group of individuals, be aware that there are specific county regulations and codes that you may need to comply with. The codes may vary based on the type of foundation you place under the tiny home.

Coverage during Towing

Most Texas tiny homes are built on wheels, and they must be transported to a new location after being built. Some tiny homeowners in Texas will park their home permanently in a beautiful or ideal location, and others will travel to new locations periodically for a change of scenery.

Each time your Texas tiny house is attached to a trailer hitch, it must be properly insured for towing and transportation.

Are tiny homes considered RVs?

If your tiny house has an RVIA certification, you may qualify for RV and auto coverage while towing the house. For tiny homes that do not have this certification, the primary coverage option available is a bundled policy with a trip endorsement on your auto policy.

For both types of towing or transportation insurance, you should ensure that you have full liability and collision protection on the tiny home, and you should explore the options to protect the contents in the home through insurance coverage as well.

While you are comparing the insurance options available for towing your tiny home in Texas to a new location, think about the possibility of buying inland marine insurance.

This unique type of insurance is suitable for any mobile living unit on land, including tiny homes. However, it only protects the exterior with coverage, and you will need to obtain renter’s insurance for the contents of the home

Coverage while Parked in Texas

Many Texas tiny homeowners will decide to permanently park their tiny home in a great location. When you reach this stage of the process with your own tiny home, you should consider the unique insurance options available for this type of shelter.

Tiny homeowner insurance is one option that you can consider. This is a unique type of home insurance that is only available through specialty insurance companies. Be aware that it does not cover the following:

  • transportation of the tiny home
  • theft of the home

Another idea to consider for insuring your Texas tiny home is buying manufactured or mobile home insurance.

Manufactured homes are considered to be personal property rather than real estate because they are not constructed on-site, so traditional home insurance is not available for them.

However, some insurance companies specialize in manufactured home structures, and this type of policy may provide you with the liability coverage you need as well as protection for the contents in the home and for property damage.

With so many different types of homeowners’ insurance available for tiny homes, you should first understand the insurance options available for your specific stage of the tiny home living experience.

Then, you can shop around to compare rates for the types of insurance you need. You should also plan ahead for the next stage of your living experience to ensure that there are no gaps in your coverage while you transition between stages.

Don’t miss out on our free quote tool below! Compare rates now just by entering your zip code now!

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