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

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Here's what you need to know...
  • Tiny home life in Wyoming can be splendid and serene, but you need to have your home insured against possible losses to enjoy peace of mind
  • Because a tiny house is not built on-site in most cases, traditional home insurance is not available for this type of structure
  • The certifications on your Wyoming tiny home can impact the type of insurance available for you to buy

The decision to give up the space of a traditional home and transition into tiny home living in Wyoming may be easier to make than you might have thought.

Minimalism and living off the grid have incredible appeal to many people who are financially and physically stressed in this state.

While your intention may be to get off the grid as much as possible, you still need to buy the right type of insurance coverage to protect yourself from losses related to your tiny home.

Compare car insurance rates using our free quote tool above to find the best coverage for your needs.

Insuring Your Tiny House on Wheels in Wyoming

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In Wyoming, some people live in a tiny house that they have permanently parked on a plot of land, and others travel throughout the state and beyond while enjoying the home-like comforts of the tiny home that they have carefully designed and built.

Depending on the specific factors related to the construction and certification of your Wyoming tiny home as well as how you use the home, you may have different insurance options available.

Remember that you may need different types of insurance during the construction and transportation of your tiny home than you need while enjoying the home on a regular basis.

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Coverage during Construction

When preparing to build a tiny home in Wyoming, you can choose to buy all of the materials and build your home on a trailer, or you can hire a licensed, professional builder to do the work for you.

Regardless of the building method that you use, you should use the services of a professional electrician who is both licensed and insured to complete the wiring and other electrical work on the home.

This step will help you get a good insurance policy on the tiny home after the construction has been completed.

Two certifications that are available for a Wyoming tiny home can also affect the insurance options later after construction is completed.

  • The NOAH certification could help you to find more affordable insurance on the tiny home, and it could also be a factor in your parking options.
  • The RVIA certification is available only through professional builders. This certification may enable you to obtain RV insurance on the home after the completion of the construction phase.

If you choose to build the tiny home on your own from the ground up, remember that the supplies and materials could be damaged or stolen during the construction process.

This loss could create tremendous financial stress, but you could buy insurance on these items during the construction phase to minimize the impact of such a loss.

Otherwise, your professional builder should have ample insurance cover the project until the construction effort is finalized. You should review the builder’s insurance coverage and active status before choosing which builder to hire for this project.

Coverage during Towing

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As soon as the construction of your Wyoming tiny home has been completed, you may have big plans to hitch the home up to a vehicle and to tow it down the road.

When a tiny home is hooked to the hitch of a car or truck, you will need to buy a different type of coverage for it.

For tiny homes that qualify for the RVIA certification, one possible insurance option available for Wyoming tiny homes involves a combination of RV and auto insurance.

Your RV insurance for the tiny home should have complete benefits for:

You should choose your limits with care.

Without an RVIA certification on your Wyoming tiny home, your best option is to bundle coverage together with your auto coverage.

A trip endorsement can be added to your policy to provide extra coverage for the time the home is being towed behind your vehicle.

You can speak to your current auto insurance provider about this option, but it may also be helpful to shop around and to obtain a few quotes to find the best rate possible on the endorsement.

Some Wyoming tiny homeowners find the coverage they need through an inland marine policy for tiny homes. Inland marine coverage is designed for any type of mobile dwelling that is used on land, and it includes benefits for the exterior of the home as well as liability coverage.

You may obtain a renter’s insurance policy for the protection of the contents of the tiny home, such as furniture and appliances. Remember to select thoughtful coverage limits for each type of tiny home coverage that you buy.

Coverage while Parked in Wyoming

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Towing or transportation insurance on a Wyoming tiny home is temporary in nature, but RV coverage may have a longer-lasting use.

When you reach a beautiful destination in Wyoming where you want to settle down and lay roots with your tiny home, you can choose to buy either a tiny home insurance policy or a manufactured home policy. Both of these coverage options have benefits and drawbacks to consider.

A tiny home insurance policy is a special type of home insurance that is available only through some specialty providers.

With a tiny home insurance policy for your Wyoming home, you may enjoy benefits for the exterior of the home, such as if it is damaged during bad weather conditions or in a fire.

Interior contents in the tiny home are usually insured separately under a personal property or renter’s insurance policy.

A manufactured home is classified as personal property rather than real estate, so it requires its own type of insurance policy. In some cases, a tiny home in this state could qualify as a manufactured home, and this insurance option may be available through some providers.

Remember that you may need to find a specialty mobile home insurer rather than a traditional home insurance company to get this type of insurance.

Exploring and understanding the coverage options for building, towing, and living in the home are important.

If you plan to buy or build a tiny home in Wyoming soon, you need to understand what the insurance options are, and you need to shop around to find a great deal on coverage for each stage. Enter your zip code below to begin shopping now.

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