How to Insure a Tiny House in Kansas

To insure a tiny house in Kansas, check with an agent to see what insurance is best. You'll pay an average of $50 a month for insurance for your tiny house in Kansas.

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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...

  • Insurance for your tiny house in Kansas can protect you if something catastrophic happens
  • Even though tiny houses in Kansas still fall into a gray area, protecting yourself will help make your tiny house lifestyle easier
  • Expect to pay about $50 a month for insurance on a tiny house
  • Consider a tiny house-friendly city in Kansas, like Kansas City

Many states have yet to catch up with the tiny house movement and many are still trying to figure out how tiny house living arrangements fit into current zoning codes and laws.

Kansas still does not have official requirements for tiny houses, but places such as Kansas City are more receptive to the idea of tiny house communities within city limits. Make sure to compare rates with our free quote tool above.

Insuring Your Tiny House on Wheels (THOW) in Kansas

Insurance is an important part of tiny house living. Kansas makes it easy for you to insure your tiny house so you are protected in the event something happens to your tiny house.

Most insurance policies will cover things like natural disasters, including tornadoes, which can happen often in certain areas of Kansas.

When you are shopping around and comparing quotes for insurance policies, be sure to check if the policy includes coverage for tornadoes.

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Coverage during Construction

When you are building your tiny house, you will need to cover it. The construction coverage you have can protect against nearly any unforeseen event that could during the building process.

If you are going to build a tiny house, no matter what you are using to build it, a construction insurance policy is necessary.

Build Your Tiny House Yourself

Since most people who choose to live in tiny houses are doing so to save money, they turn to DIY solutions for their tiny house.

If you plan on building your tiny house yourself, you will need to purchase insurance to cover the materials and liability you have during the build. You may also want to consider additional coverage because of the weather in Kansas.

It may be difficult to obtain insurance for your tiny house construction process unless you are using certain certification standards. The National Organization for Alternative Housing, NOAH, has set guidelines for building tiny houses.

You can even get certified to make it easier to find an insurance policy that will cover you during the time you’re building your house.

Hiring professional electricians and plumbers to do the work on those aspects of your house will also make it easier for you to get insured while you are building your tiny house.

Built by a Professional

A professional will be able to provide their own coverage while they are building your tiny house. This coverage will help you stay protected from issues that may come about from the building process.

It will also protect the materials the builders are using to build the tiny house.

RVIA builders are able to offer even more coverage since they are certified to build RVs instead of just basic houses.

Coverage during Towing

Even though laws are changing, the only truly legal way to live in a tiny house in Kansas at this time is to move it.

Your house will need to be on wheels and a single chassis if you are going to do this and you will need the ability to tow it. Getting insurance coverage for towing your tiny house is imperative if you want to be protected all the time.

Built by RVIA

Homes that are built by RVIA standards will be easier to insure than ones that were built by yourself. Tiny houses that are classified as an RV can get RV insurance through insurance agencies.

Simply shop around and get quotes from different agencies so you’ll be able to get the best price possible. If you have taken advantage of a RVIA builder, you will be able to save money on insurance.


If you build your tiny house with the NOAH standards, you may be able to qualify for RV insurance similar to what you would get with a RVIA house.

If you choose not to use NOAH to build your house, you will need to consider other options for insuring it while you’re on the road.

The first thing you should do is insure your tow vehicle. The vehicle will need to have, at the minimum, a liability policy to cover $25,000 in bodily injury damages per person, $50,000 per accident, and $10,000 for property damage from each accident.

While this is the minimum that you must carry on the vehicle you’re towing with, consider purchasing a collision and comprehensive policy to further protect yourself.

When you’re looking for the best coverage possible for your tiny house, you can get an endorsement. An endorsement is just a simple document that has official language written by your insurance agent.

It will protect the cargo you are towing with your vehicle, including your tiny house. The tiny house will be covered, but the things inside the tiny house are not covered by an endorsement.

Tiny Home Coverage while Parked in Kansas

Once you have parked your tiny house in Kansas, the auto insurance does not protect it any longer unless you have comprehensive coverage. Then, it only covers the tiny house and nothing inside of it.

Similar to a homeowner’s policy in a traditional house, you will need to protect the contents of your tiny house with a renter’s insurance policy.

Renter’s insurance will require you to itemize the things you have in your home so you can report them if something happens. It will also protect you from being held responsible if someone is hurt by any of the objects in your tiny house.

As more tiny houses crop up around the country and states like Kansas are able to adjust all the laws they have for tiny houses, you may be able to have specific insurance for tiny houses.

Now, park model and renter’s insurance are the best policies available to protect the contents of your tiny house.

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Saving on Tiny House Insurance in Kansas

Even though Kansas doesn’t have set guidelines for your tiny house, you can check with local government agencies to figure out what you need to do with your tiny house.

Always be respectful of local laws and zoning regulations so you can live peacefully in your tiny house. Don’t miss out on our free quote tool below. Just enter your ZIP code and start comparing rates now.

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