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

Tiny house insurance in Washington 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...

  • Washington tiny homes need to be insured against potential losses as soon as the construction efforts begin
  • Personal contents inside a tiny home may need to be insured separately through a Washington renter’s insurance policy
  • Tiny homes in Washington require special transportation or towing coverage any time their trailer is connected to a tow hitch

One of the primary goals of tiny home living in Washington is to downsize your home and regular living expenses so that you can afford to work less and enjoy life more.

Some tiny homeowners even completely go off the grid and life a sustainable lifestyle in a quiet or rural location.

While you may be eager to start living a quiet life in your tiny home in Washington, you should not underestimate the importance associated with buying insurance for the home.

In fact, there are several types of tiny house insurance that you should buy at different points. These coverage types are suitable for the construction phase, when towing the tiny house on a trailer throughout Washington, and when you park the tiny house in one location.

By understanding the perils for each stage and the insurance options available, you can better protect yourself against losses related to your Washington tiny house.

Compare car insurance quotes to find the best rate for the coverage you need when towing your tiny home.

Insuring Your Tiny House on Wheels in Washington

You may have the highest hopes of enjoying a peaceful, idyllic life in your Washington tiny home in the years to come, but the reality is that disaster and misfortune can strike at any time.

Your tiny home could be damaged by any of the following:

  • fire
  • a major windstorm
  • wildlife or pests
  • a car accident

Some tiny houses are even stolen while the homeowner is away.

Buying insurance for your tiny house in Washington is necessary if you want to avoid unnecessary financial strain if something bad happens.

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Coverage during Construction

Before you begin building your tiny house in Washington, you need to thoroughly research the requirements for tiny houses in this state.

You also need to understand how different building efforts and certifications could impact where you can park your tiny home later as well as which insurance options are available to you over the course of the tiny home’s life.

By exploring these factors in greater detail before any construction work begins, you can determine if you want to try to build the tiny home in Washington on your own or if you prefer to hire a certified builder in Washington to tackle the project.

When building the home on your own, you should consider buying insurance for the materials as soon as they are delivered.

Weather damage, wildlife damage, theft, and other factors could result in a loss, and these are factors that could be insured against.

You also need to research the building requirements for the NOAH certification and consider hiring an electrician to certify your wiring and electrical work.

These two factors could impact where you can park your tiny home and what insurance options are available to you after the construction effort is completed.

When hiring a professional Washington builder for the tiny home construction process, verify that the builder you select has coverage to protect you against losses. You may also consider the benefit of hiring a contractor that has been RVIA-certified.

The RVIA certification could qualify the home for RV insurance throughout its life, and enjoying access to more types of coverage is usually beneficial for many tiny homeowners.

For all insurance products for a Washington tiny home that you are thinking about buying, shop around to find the best rate available from leading Washington insurance companies.

Coverage During Towing

After the construction of your Washington tiny home is completed, you may be eager to tow the structure to its final or permanent location.

Before you hitch up the trailer and haul your tiny house on public roads in Washington, you need to buy towing or transportation coverage.

Tiny houses built by an RVIA-certified builder could qualify for an RV policy, and this could be combined with auto coverage on the towing vehicle for maximum protection against losses.

Many tiny houses in Washington do not have the RVIA certification, and the good news is that these homes may qualify for other insurance types during the towing stage.

For example, a Washington tiny homeowner could buy a trip endorsement from his or her standard auto insurance company. Another insurance option is inland marine coverage, which is available for any type of land-based mobile dwelling.

The interior contents of the home must also be insured, and a renter’s policy may provide you with the most affordable way to protect yourself from loss if these items are damaged or stolen.

With several options available for transportation or towing coverage, it may be worthwhile to request a few quotes for each insurance option that is applicable to your situation.

While this could take more time to complete, it also could help you to save a tremendous amount of money. Remember that shopping for tiny home insurance quotes online is convenient and fast.

Coverage while Parked in Washington

The insurance that you buy for your Washington tiny home during the construction and transportation phases are temporary, but the insurance that you buy for a parked tiny home likely will remain effective for years.

Consider thoroughly shopping around and requesting online quotes to identify the best rates available, and do not hesitate to repeat the shopping process once or twice per year in the future to identify potential savings on your coverage.

While your goal may be to keep premium expenses as low as possible, always ensure that you have adequate limits for the following coverage types:

  • liability
  • collision
  • contents of your building

In addition, review the financial ratings for each Washington provider that you are thinking about buying coverage from if you want to buy coverage from a truly established and secure company.

A Washington tiny home must be registered with the state, and it is usually insured while it is parked through either a tiny home insurance policy or a mobile home insurance policy.

Be aware that a tiny homeowner policy in Washington does not provide benefits for the theft of the home or for transportation-related damage.

Manufactured home insurance may be easier for you to find because of the prevalence of mobile homes throughout the state and beyond.

Because you never know when a potential risk factor will impact the condition of your tiny home in Washington, now is the ideal time to begin comparing insurance products that are suitable for your needs.

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Protecting Yourself against Tiny Home Losses

A financial loss related to damage or theft of your Washington tiny home can negatively impact your lifestyle and budget. Because losses can occur at every stage of your tiny

Because losses can occur at every stage of your tiny homeownership experience, you should be properly insured. The time to begin comparing insurance quotes for Washington tiny home coverage is now! Use our free quote tool below! 

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