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

The average tiny house insurance rates in Kentucky are $71/mo. Construction and towing will require additional coverage.

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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...

  • Building a tiny house in Kentucky may be easier because of zoning laws
  • The right insurance policy can help protect your tiny house while it is parked and while it is being towed
  • If you shop around for the best policy, you will get the most coverage for the lowest price


Tiny house living in Kentucky may be easier than most states because there are several counties that don’t have zoning codes.

One of the most popular sites for tiny houses in Kentucky, Pulaski County, has no zoning laws and your tiny house will fit right in with the rest of them.

Whether you are building in an area that has no zoning laws or you plan to use your tiny house as an RV, having it covered by an insurance policy will help you stay protected. Make sure you are covered with our free quote tool above! 

Insuring your Tiny House on Wheels (THOW) in Kentucky

You will need several insurance policies if you plan to have a tiny house in Kentucky. It starts with insuring the construction phase, then you’ll need to consider coverage while you are towing your tiny house.

If you plan to park your tiny house as a permanent structure, you will need to consider even more options for insurance.

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Coverage during Construction

Despite many people not even considering insurance while they’re building their tiny house, you need to think about the things that could go wrong during the building process.

Having an insurance policy in place will protect you if something happens to your materials, the property or someone who is injured as a result of your tiny house construction.

Professional Builder Insurance

Professional builders will have insurance for their business. The state of Kentucky regulates contractors and builders so they have to have insurance that will cover them (and you) while they are working on building projects.

Even if they are just a basic tiny house builder, you should still check to make sure they have an insurance policy. If they don’t, consider hiring someone reputable.

In addition to basic insurance policies builders should carry, RVIA certified builders will need to have policies that are approved by the association.

If you hire someone who is an RVIA-certified builder, you will be able to rest assured they carry minimum insurance on the work they do to your tiny house.

DIY Insurance

Even if you don’t hire a builder, you will need to have your project insured. The most common coverage tiny house builders have is materials insurance and general liability.

These policies are similar to what professional builders carry, but they are scaled down to an individual project. Not all insurance agencies will offer this type of coverage so be sure to check around and compare policies.

In addition to being covered by an insurance policy, you should protect yourself by hiring an electrician to do the wiring work on your tiny house.

While Kentucky does not require you to have building-code level wiring, you will be safer hiring someone who is a professional. You may also want to consider a professional plumber depending on the plumbing system you plan to use in your tiny house.

Coverage during Towing

Since most tiny houses have wheels, they’ll be towed at some point. You will need to protect your tiny house while it’s on the road.

Construction insurance stops covering your house the first time it is hooked up to a hitch, so keep that in mind when you are looking at towing insurance policies.

RV Insurance

Insuring your tiny house is simple when it was built by an RVIA builder. If it is certified as an RV, you will be able to get RV insurance on it.

Coverage for RVs includes the following:

  • coverage for the outside of the tiny house
  • coverage for inside of the tiny house
  • liability
  • collision

You can also add comprehensive to your RV policy.

An RV insurance policy can be bundled into your auto insurance policy. You will need the state minimum of $50,000 per accident for bodily injury and $10,000 per accident for property damage.

Since you will be towing a tiny house and can be susceptible to more accidents, you may want to consider investing in a policy that covers collision.

Non-RV

Even though you will not be able to get an RV policy in Kentucky if you built your tiny house yourself, you can still protect your tiny house with a policy. The cargo endorsement document is something that can be added to an auto policy.

It will protect anything you are towing, including a tiny house. The disadvantage of this type of coverage is that it will just cover the tiny house and not anything inside.

Shop around to find an insurance agent who is able to provide you with a trip endorsement for your tiny house. Doing this will give you a chance to save more money since these documents added to policies can be expensive.

Coverage while Parked in Kentucky

The coverage you carry while you are parked in your tiny house in Kentucky will depend on how you want to live in the tiny house.

You will need different coverage if you are parking in a permanent community and if you are going to travel with your tiny house. Since these can cover different things, talk to insurance agents to help you decide which one is the best for you.

If you are going to live in a tiny house community, like the ones in Pulaski County, you can use homeowner’s insurance.

A homeowner’s policy will cover the things inside your tiny house and will cover the actual tiny house if there is damage from a storm, fire, or theft.

While the homeowner’s policy may differ slightly because it is a tiny house, it will probably be very similar to one you would carry with a traditional house.

Tiny house owners who plan to move their tiny house on a regular basis or who are keeping their tiny house primarily on rented land will need to invest in renter’s insurance.

This insurance will protect your belongings and any assets you have in the house. Be sure to give your insurance agent updated itemized lists of the things you have inside of your tiny house so you can be fully covered.

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Saving on Insurance

Since many people choose to live in a tiny house to save on costs, it is important to save on insurance, too. There are things you can do to save on your insurance costs, like bundling your policies together.

Insurance agents will be able to give you quotes that include all the coverage options you need and the cost of each type of coverage. Don’t miss out on our free quote tool below! Just enter your zip code and start comparing rates now!

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