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

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Here's what you need to know...
  • Tiny houses in Utah can be damaged by many perils and events, and they should be properly insured just as other houses are
  • Because Utah’s tiny houses are usually not site-built, they often do not qualify for traditional home insurance, and other options must be considered
  • There are unique coverage options available for Utah’s tiny homes in the construction phase as well as in the towing and parking phases
  • Comparing coverage limits, types, and prices is a great way for tiny homeowners in Utah to find the best deal on their insurance


Many Utah residents who make the decision to downsize and to move into a tiny house often have the strong desire to save money and to live minimally.

Tiny houses represent a departure from the “bigger is better” mentality and moves your focus and attention on quality versus quantity.

For example, you may have more time to enjoy spending with family and friends if you can afford to live frugally in a tiny home in Utah.

You may want to simplify your life and avoid unnecessary expenses associated with an extravagant lifestyle. More than that, you may even want to get off the grid entirely and live a self-sustaining lifestyle.

A Utah tiny house can provide you with the perfect living experience to accomplish most or all of your goals.

As amazing as tiny house living in Utah may be, the reality is that you should not entirely get off the grid, and some expenses are beneficial. For example, a tiny home in this state could easily experience the following:

  • being stolen
  • being involved in a car accident while being transported
  • being affected by bad weather conditions

You must have the right insurance coverage in place for the home if you want to avoid unnecessary financial loss if you are impacted by a perilous event. Compare rates with our free quote tool above! 

Insuring Your Tiny House on Wheels Utah

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If you have chosen to transition into tiny house life in Utah, you need to understand all of the tiny house insurance options available for each stage of the process.

Insurance coverage in Utah should begin as soon as construction work on the home starts, and you also need unique coverage when transporting the tiny home on a trailer hitch and when parking it in a permanent or semi-permanent location.

Understanding coverage options for your tiny home in Utah is critical if you want to make the most affordable yet protective coverage decisions available.

Coverage during Construction

Before you can enjoy the tiny house lifestyle in Utah, you must first decide how you will build the ideal tiny home for your needs.

The two primary options are to complete the work as a do-it-yourself project or to hire a professional builder. Both options have unique coverage options and needs.

If you choose to build your Utah tiny home yourself as a do-it-yourself project, consider hiring a certified and licensed electrician to run the wiring for you.

Having your electrical work certified may open up more affordable and beneficial insurance doors for you after the construction is finalized.

You should also buy insurance for the supplies and materials you are using for the construction process, and this is because they could easily be stolen or damaged at this stage.

If you are thinking about hiring a professional Utah tiny home builder to complete the work for you, you should verify that the builder has an RVIA certification and proper insurance.

The RVIA certification can enable you to get RV insurance on your home later, which can open up many other insurance options for you.

In addition, the builder’s business insurance may cover your home against losses until the work has been completed and you take ownership of a finished project.

You need to confirm the coverage types and limits as well as its active status before hiring a specific tiny home builder in Utah to complete your project.

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Coverage during Towing

Most tiny homes will be transported on public roads at least once, and some are moved on a regular basis.

There are several affordable insurance options available to you when towing or transporting the tiny house in Utah, including inland marine insurance, RV coverage, and a trip endorsement on your standard auto policy.

As soon as your tiny home is connected to a trailer hitch and before you begin driving it down the road, you need to have proper towing coverage in place.

RV insurance combined with your auto coverage is a feasible coverage option as long as your home is RVIA certified. If your tiny home does not have this certification, you have two other options. One of these options is to buy a trip endorsement with your auto coverage.

The cost of this special towing endorsement can vary, so it is always a great idea to shop around with several leading providers in order to save money on the tiny home towing coverage you need.

Utah tiny homes can also be insured by inland marine home coverage.

This insurance offers protective benefits for a tiny home while it is being transported, but you may still need to buy a personal property or renter’s policy to protect the interior contents, such as your appliances and furniture.

If you intend to continue driving around with your tiny home in tow, you may consider keeping RV coverage or inland marine coverage in place for a long period of time.

Otherwise, this type of towing coverage is generally a short-term option that will soon be replaced with permanent coverage.

Coverage while Parked in Utah

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The primary goal for many Utah tiny homeowners is to lay down roots in a desirable location. Some will settle in urban areas, but many others will choose a remote area that immerses them in a low-key environment.

Regardless of where you choose to park your tiny home, you need to decide between a tiny homeowner policy and a manufactured home policy for permanent coverage.

After all, you never know when a perilous event may occur, and you need to be financially protected against losses by a solid insurance policy.

Both of these insurance options provide you with substantial benefits but be aware that tiny home insurance does not provide benefits related to theft or transportation.

Because the cost of both insurance types for tiny homes can be expensive in some cases, it is imperative that you spend time exploring all of the insurance options available for Utah tiny homes and compare rates.

Remember that tiny home insurance is only available through specialty insurance providers. Don’t miss out on our free quote tool below! Just enter your zip code and start comparing rates now! 

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