What do I need for my tiny house insurance in North Carolina?

Tiny house insurance in North Carolina is required for construction, towing, and parked tiny homes. Obtain RVIA certification to qualify for RV and auto insurance and receive collision, liability, and contents 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...

  • North Carolina does not have specific laws governing the building and insurance of tiny homes
  • Taking out policies for different purposes will be the best way to protect your tiny home
  • Be sure you are within North Carolina regulations for towing and your tow vehicle insurance


As the tiny house movement takes areas like Oregon by storm, there are still some states that haven’t caught onto it quite yet. Make sure you are covered no matter where your tiny house takes you with our free quote tool above! 

The tiny house population in North Carolina is growing, but there are still some things that the state does not have in place concerning tiny homes. They do not have official insurance guidelines, zoning guidelines or codes for tiny houses.

Insuring Your Tiny House on Wheels in North Carolina

To protect yourself, you should insure your tiny home while you are in different stages of it. You’ll need insurance while building it, while you are towing it and while you are parked.

The specific policies you’ll need will depend on how you plan to live in the house.

Will you be living in your tiny home on a permanent piece of land or will you be towing it to different locations on a regular basis?

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Coverage during Construction

The building process may seem simple, but there are always things that can happen to your tiny house while you’re building.

Whether you hire someone or choose to build your tiny house yourself, you can be protected with different types of insurance.

Professionally Built Tiny Home

All builders should be protected by an insurance policy. If your builder does not carry insurance or will not show you proof of the policy, you are not protected during the time they are building your tiny house.

It is important to find a professional who carries an insurance policy because if something goes wrong, you could be held responsible in the state of North Carolina.

There are specific requirements for builders, but hiring one that is RVIA certified can make your tiny house building able to meet legal requirements.

Even though there are no zoning laws for tiny houses in North Carolina, you can have your tiny house treated just like an RV if you hire an RVIA certified builder.

DIY Tiny Home

Forgetting about insurance can be easy when you are planning a DIY home build. The insurance policy you have while building the tiny home can help you in case something goes wrong during the build.

The biggest thing your insurance policy will cover is the materials you’re going to use.

They could easily become damaged, get stolen or bring harm to someone else. By protecting them and getting a general liability policy on them, you will be helping yourself save money during the time you’re building your tiny house.

If you want to ensure your house is up to regular housing codes with the electrical work, always hire an electrician to do that part of the build so you can have documentation of the electrical work.

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Coverage during Towing

At some point, you will probably need to tow your tiny house.

Even if you aren’t planning on towing it on a regular basis, having insurance on the tiny home will help you when you do need to tow it.

If you plan ahead and find an insurance agent that will help you compare policies, you’ll be able to save money on towing insurance.

Certified

While hiring an RVIA-certified builder has many benefits, perhaps one of the best when it comes to insurance is that you will be able to insure your tiny home as if it were an RV.

This ability means you’ll be able to qualify for different policy coverage on the house. Talk to several different insurance agencies and get the best quote possible on your RV insurance.

An RV policy will protect the following:

  • your tiny home while you are towing it
  • your tiny home while it is parked
  • the contents that are in your tiny house

Just be sure your tow vehicle meets the state minimum liability coverage of $30,000 per person and $25,000 for property damage.

A Non-Certified Tiny House

If you have chosen not to have your home built by a certified RVIA builder, you will need to consider other coverage for your tiny house in North Carolina. You can choose an inland marine policy or a trip endorsement if you want to protect your tiny house while you’re towing it.

The inland marine policy covers things that vehicles are towing that are not related to marine vehicles.

The policy is able to cover everything from equipment to basic trailers, but you will want to talk with insurance agents to find out what the best price is for your inland marine policy for your tiny home.

This policy will also be dependent on whether your home is built on a trailer and whether you can show documentation of that.

A trip endorsement is a more expensive option, but it may be better coverage. The endorsement is a simple document that is attached to your policy, like an addendum.

It shows you have coverage for your tiny house while it is being pulled by your tow vehicle. Not all insurance agents will be capable of providing you with a trip endorsement so make sure you find someone who will.

Coverage while Parked in North Carolina

It will be necessary to cover your tiny house while you are parked in North Carolina, but it can be complicated since there are no official rules on tiny homes in the state.

You can choose different coverage options depending on what you are doing with your tiny home.

If you have purchased land that you are going to keep your tiny house on, you may be able to take advantage of a homeowner’s policy.

A policy like this can protect your tiny home from natural disasters and the belongings you have inside your home. It will not protect you if the home is stolen because it is still covered by your RV or towing coverage.

A renter’s insurance policy may be better for people who plan to move their home around a lot or who are renting the land they’re keeping their homes on.

The policy covers just the belongings you have in your home and will generally be easier to obtain than a homeowner’s policy since North Carolina does not have regulations for tiny houses.

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Tiny Home Insurance

The idea of having a tiny home can be freeing, but it is important to not forget about the coverage you’ll need.

Protecting yourself with insurance is one of the easiest ways to make your home more legitimate in a state like North Carolina that does not have legal limits for tiny homes.

When you’re planning your tiny house, keep in mind all the things you’ll need to cover and how you plan on using the 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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