Insuring A Tiny House As An RV
When it comes to tiny house insurance, classification is important. In the past few years, RVIA (or Recreational Vehicle Industry Association) has started classifying tiny homes built by approved manufacturers as “certified RVs.” In the tiny house world, only a few companies are licensed to build RVIA certified tiny homes. If your tiny house is going to be built by a RVIA company, it will be legally categorized as a Recreational Vehicle. Insurance companies understand this classification and it will be easy to secure RV insurance.
But what if you’re not an RVIA approved manufacturer? Well, your tiny home will not be RVIA certified. You can not get an RVIA certification after the fact. The DMV will categorize your tiny house however they please upon registration. For example a tiny house could be registered as a “Recreational Trailer” in Illinois and as a “Coach Trailer” in California. These classifications are more difficult to insure.
Insuring A Tiny House As Something Other Than An RV
I have heard of tiny housers finding insurance by categorizing their tiny homes as additional dwelling units, pieces of art, or something else altogether. If you do not intend on traveling with you tiny house, this is a real option because these types of policies are state by state. They will not include travel.