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

Tiny house insurance in Georgia doesn't have legal guidelines but is still necessary. Receive RVIA certification to qualify for RV and auto insurance during towing, or if you want to frequently relocate your tiny house.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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...

  • Georgia doesn’t have any set guidelines for the type of insurance you need to carry on your tiny house
  • Most insurance policies can overlap each other to ensure you get the most coverage
  • Since Georgia doesn’t have tiny living regulations, be sure you err on the side of caution in making your tiny house legal

Georgia is one of the many states that does not have regulations for tiny house living. They don’t require tiny house owners to have insurance on the homes because tiny houses in Georgia often fall into a gray area of legality in city limits.

Regulations change depending on where you are, though, and the farther you are from a city area, the better chance you will have of being out of that gray area.

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Insuring Your Tiny House in Georgia

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Your tiny house will require insurance whether it is the law or not. You should take out insurance policies on your tiny house because you can protect yourself that way.

If you don’t have insurance for your tiny house, you will risk being held responsible for bodily injury and property damage that could be caused by your tiny house.

Even if you are trying to save money on the construction of your tiny house, you will need to invest in an insurance policy for the building process. This is one area you should not skip because you will want to be protected if something happens during the process.

A policy is often affordable but can provide huge benefits if you need them.

There are a couple situations that could be applicable when your house is being built. You could do one of the following:

  • Hire someone else to build your house
  • Build your house yourself

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Hiring Out

If you are planning on hiring someone who is going to build your tiny house, you won’t have to worry about buying your own insurance policy. Builders come with their own insurance, and it will cover the materials as well as liability.

A reputable builder will also be bonded so you can feel confident they are going to do the work you want them to do.

Choosing an RVIA builder will provide you with even more benefits, but they are required to have certain levels of coverage depending on the tiny house they’re building.

Building Your Own

If you want to save money on building your tiny house, you can build it yourself. Plans are usually fairly cheap for tiny houses and they are easy for even novices to build.

You will still need insurance while you’re building, though. The insurance you carry should cover your materials and any liability you have while you’re building.

You would probably be amazed at how many people will want to look at and visit your property while you’re building the tiny house. If you’re not covered and something happens to them, you could end up shelling out hundreds of thousands of dollars.

It is a good idea to try and compare prices on the insurance you’re getting for the construction of your tiny house. When you look at the different coverage options, it will become apparent that not all policies are created equal.

Different agents can help protect you from different things you have going into your building coverage.

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Coverage during Towing

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Once your house is done being built and its wheels are down, you’ll need to cover it for the towing time. Most tiny houses use policies that are related to RV coverage, but you’ll need to consider the way your home was built when you’re shopping around for different policies.

RV-Built

When you hire a RVIA certified builder, your home will be considered an RV. This can help you find a great place to keep the home, can give you other benefits and will allow you to use RV insurance.

Georgia insurance agents have RV insurance policies you can choose from.

Depending on what you have in your tiny house and what the value of the tiny house is, you can choose coverage to customize it to everything you need in your tiny house.

No matter what you have in your home, as long as it was built by RVIA standards, you will be able to take advantage of RV insurance. RV insurance is different from tow vehicle insurance which requires you to have $50,000 to cover liability for an accident.

Self-Made

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If you plan on building your tiny house yourself, you’ll have to compare different coverage options for your tiny house. You cannot take advantage of RV insurance as long as your tiny house is certified as an RV.

Georgia insurance agents can create trip endorsements and can even offer policies for inland marine vehicles.

The biggest benefit that comes with a trip endorsement is that it is less expensive and will cover your tiny house no matter where you are traveling.

An inland marine policy may be easier to obtain, but it can cost more money and may not cover you traveling if you’re going to be moving your tiny house a lot.

Coverage while Parked in Georgia

Whether you’re going to keep your house in one location or move it around, you will need to consider the legality of it in Georgia.

You will be within codes if you take your tiny house to mobile home parks and campgrounds, but you may not comply if you are parking it on land in a city. Consider these issues when you choose the coverage for your home.

If you own land outside of a city and you have some way to get electricity and plumbing to the home without interrupting service of other customers, it will be in the gray area.

Since it falls into a gray area, you may be fine on your own piece of land. If you are keeping your tiny house on this land, get a homeowner’s insurance policy.

If you’ll be staying at mobile home parks, campgrounds or anywhere that the right to the land is rented, you can benefit from renter’s insurance. It will cover the following:

  • theft of your belongings
  • fires
  • natural disasters

Neither coverage option will cover theft of the actual tiny home while it is parked as that will fall under your towing coverage.

Saving on Insurance

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Georgia allows insurance agents to bundle coverage to help save you money on your tiny house. There are different things that can help you save money, but shopping around will give you a chance to see what your options are.

If you are hoping to save money, but still get the best coverage possible, talk to insurance agents about the best value plans that provide more than state minimum coverage.

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