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

Tiny house insurance in Vermont 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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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...

  • All Vermont tiny homes need to be properly insured while being constructed and towed as well as while they are parked in a dedicated, permanent location
  • Because of the unique, mobile nature of tiny homes, these homes could be stolen or involved in a car accident, and standard types of home damage could also impact them
  • For each type of insurance available, Vermont tiny homeowners can shop online to save money while comparing quotes from reputable insurance companies

If the thought of downsizing to a smaller and more affordable home sounds appealing to you, you may be eager to begin living in a Vermont tiny house.

Tiny house living in Vermont is associated with minimalism, and many people find that they are happier and more content with life when they live a more simple and quiet life and give up being a part of the proverbial rat race.

Getting off the grid may even be a prime goal for you to accomplish through Vermont tiny home living, but the importance of insuring yourself against losses related to your shelter cannot be diminished.

A tiny home in Vermont could be damaged by fire, pests, and many other factors that could impact any type of home in the state.

However, losses associated with this specific property type may also come from events such as the following:

  • car accidents
  • theft of the home
  • vandalism

Such damaging or costly events could create strain for your financial situation. Vermont tiny homes should be properly insured from day one if you intend to decrease your exposure to risk and financial loss.

The fastest and most convenient way to gather competitive quotes for the coverage you need is to shop online. You can enter your zip code right here to get started.

Insuring Your Tiny House on Wheels in Vermont

Many people who are interested in tiny home living in Vermont only think about insuring a fully constructed home once it has been parked in its final location.

However, losses could occur as soon as construction begins, and additional risks are present when you are towing your tiny home on wheels across Vermont’s roadways.

Analyzing insurance options in Vermont that are available for each stage of the tiny home experience in Vermont is necessary if you want to fully protect yourself against possible losses.

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Coverage during Construction

Vermont has specific building codes and requirements for tiny homes just as most states do. Before you decide to build your Vermont tiny house yourself, you should review these requirements and ensure that you can fully comply with them.

You may also want to learn about the NOAH certification for tiny homes and follow the guidelines to obtain this important certification.

Be aware that the NOAH certification for your Vermont tiny house could open up more insurance options later and could enable you to park your home in nicer areas.

If you decide that you can comply with the construction requirements, ensure that you buy insurance for your building supplies and materials. Theft and other types of events could result in a substantial financial loss at this stage in the tiny home experience.

You also should hire a certified electrician to complete all electrical work on your behalf even if you plan to complete all other aspects of the construction effort on your own.

Getting a certification from a licensed electrician may enable you to qualify for a better tiny home insurance policy later.

Some Vermont residents will determine that they are not comfortable with their skills or do not have the time available to comply with the state guidelines, and hiring a professional is important if this is the case.

A professional Vermont tiny home builder should have insurance coverage that protects you against theft and other losses at this stage.

In addition to verifying that the coverage is active, also look for a building company in Vermont that has the RVIA certification. The RVIA certification could help you to qualify for getting RV insurance on your tiny home for transportation and towing.

Coverage during Towing

The insurance for a tiny home in Vermont during the construction phase will need to be changed to a towing or transportation policy as soon as the home’s trailer hitch is connected to a towing vehicle.

If you hired a Vermont builder to complete the construction effort on your behalf, the builder’s RVIA certification may enable you to obtain RV insurance for this stage in the process. Without

Without an RVIA certification associated with you Vermont tiny home, you can choose between buying an inland marine policy for your little shelter or asking your current auto insurance company to add a trip endorsement to your existing auto policy.

Many tiny homes in Vermont are already outfitted with appliances and other items when they are being transported to a new location.

Special coverage from a renter’s policy or another type of contents policy may be needed if you need or want to protect your tiny house’s contents against potential loss events.

This may be effective for losses of the following:

  • furniture
  • electronics
  • appliances
  • other items of value

Whether you are looking for one specific type of insurance for this stage or you want to explore all options to find the most affordable way to insure your Vermont tiny home, remember that comparing multiple quotes from trusted insurance companies is a smart idea.

Coverage while Parked in Vermont

Building a new tiny home in Vermont and choosing a lovely place to park your tiny house can be fun, exciting steps.

However, these stages of the process will be over within a few months in most cases, and you must be prepared by having permanent insurance on your tiny home as soon as the trailer hitch is removed from the towing vehicle.

You can choose to buy a manufactured home insurance policy or a tiny home insurance plan.

Both of these tiny house coverage options are available through specialty insurance companies rather than mainstream home insurance companies.

Be aware that a tiny homeowner policy will not pay benefits for any losses associated with the transportation of the shelter or the theft of the tiny home, but it can protect you against many other expenses loss events that may impact your property.

Damage or theft of a tiny house in Vermont could wreak havoc on your finances and expose you to tremendous turmoil and stress.

Buying insurance on your primary shelter for each stage of the process is critical and could help you to avoid unnecessary financial stress if a negative event occurs. Don’t miss out on our free quote tool below! Just enter your zip code and start comparing rates now!

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