What do I need for my tiny house insurance in West Virginia?

Tiny house insurance in West Virginia 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...

  • Even though your life may be simplified when you live in a West Virginia tiny home, you must still need to plan for the unexpected by insuring your shelter
  • Insuring a tiny home should begin on the first day of construction, and unique insurance types should also be purchased for towing and parking the tiny house in West Virginia
  • Comparing rates for the many types of West Virginia tiny house insurance is important if you want to keep costs as low as possible
  • The certifications associated with your tiny house in West Virginia could impact your insurance selections

If you are ready to take the plunge and transition to tiny house life in West Virginia, you may be eager to trim your living expenses down to a fraction of the cost that they are currently.

Living in a tiny house in this eastern state essentially requires you to scale back all aspects of your life so that you can afford to spend more time with family and friends or to pursue other interests besides your career.

While your goal for tiny house living is to reduce expenses as much as possible, you still need to buy tiny house insurance for this investment. Make sure you use the free quote tool above to compare rates today!

A tiny house in West Virginia could be damaged by fire, bad weather conditions, and more just like any other house could be. This type of portable house could also be stolen or involved in a car accident while being transported.

With so many perils associated with owning a tiny home in West Virginia, you do not want to take any chances with your investment. After all, it could be financially devastating if your tiny home was damaged without being properly insured.

Insuring Your Tiny House on Wheels in West Virginia

A West Virginia tiny house should be insured as soon as construction efforts begin, and new types of insurance are needed when you tow it to a different location as well as when you park it.

The good news for West Virginia tiny homeowners is that there are several unique tiny house coverage options available for each stage, and you can easily gather quotes for each option to save money at each stage in the process.

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Coverage during Construction

Before you can begin enjoying the benefits of a scaled-back lifestyle in a tiny home in West Virginia, you need to determine if you will build your little home as a do-it-yourself project or if you will hire a local builder to do the work for you.

If you decide to tackle the construction efforts on your own, be aware that insurance is needed for the supplies and shell of the home until the construction effort is completed. After all theft of supplies, damage from bad weather, and

After all theft of supplies, damage from bad weather, and more could create financial stress for you and are possibilities that you need to plan for.

In addition, understand that your construction efforts can impact the insurability of your tiny house in West Virginia down the road.

Hiring a certified electrician to complete the wiring and to certify the work may help you to qualify for better insurance on your tiny home later. It could also help you to obtain the NOAH certification, which boosts insurability and enables you to qualify for better parking places in desirable areas.

Building a West Virginia tiny home is a considerable endeavor, and you may be thinking about hiring a professional builder to get the work done quickly and with quality results.

When interviewing builders that you may want to hire to work on your tiny home project, only consider professionals who are properly insured with an active, comprehensive policy.

In addition, understand that hiring a builder that has an RVIA certification can help you to qualify for RV insurance for your tiny house after the completion of the construction phase.

Coverage during Towing

The insurance that covered a tiny home during the construction phase will not suffice when you tow it over West Virginia’s public roads. Any time your tiny home is connected to a trailer hitch, it must have proper towing coverage in place.

Several options are available for towing a tiny house in West Virginia, and the RVIA certification is a primary factor that will determine feasible options.

When your tiny house in West Virginia is professionally built by an RVIA certified builder, the building could qualify for RV coverage along with auto insurance for the tow vehicle.

Without the RVIA certification, you may need to obtain a trip endorsement on your standard auto coverage that will provide temporary coverage for the towed structure.

Another idea is to buy inland marine coverage, which is non-RVIA coverage that is intended for any mobile dwelling that is not located on the water.

Regardless of the type of towing insurance you obtain for this stage in the little home process, be aware of the liability coverage, collision benefits, and content coverage offered by each policy option available.

The best policy for your tiny home in West Virginia will be affordable yet comprehensive. Comparing the options provided by several leading insurance companies in West Virginia may be a smart idea.

Coverage while Parked in West Virginia

You likely have been researching the best parking places in West Virginia for your tiny home, and you may have plans to travel to multiple destinations over the next year or two or to stay in one location.

Any time your vehicle is parked and is no longer connected to a hitch, the towing coverage for a tiny home in West Virginia may no longer be applicable.

To insure the home at this point, you may need to buy either a tiny homeowner’s policy or a manufactured homes policy.

These are seemingly similar coverage options, but keep in mind that a tiny homeowner policy will not provide benefits for the theft of the tiny home or for its transportation-related damages.

Furthermore, a manufactured home policy only offers benefits for the structure, and you will need to buy additional contents coverage if you want insurance for the following:

  • furniture
  • appliances
  • belongings

Understanding coverage options for a West Virginia tiny home at each stage is important, but you also need to go a step further.

Now is the time for you to research insurance companies that offer these types of products and to begin comparing quotes for the different types of tiny home coverage you need.

By acting now, you can enjoy a more secure and affordable lifestyle in your West Virginia tiny home. Don’t miss out on our free quote tool below! Just enter your zip code and start comparing rates now!

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