What do I need for my tiny house insurance in South Carolina?
Tiny house insurance in South 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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UPDATED: Sep 15, 2020
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- South Carolina tiny homeowners need to buy insurance policies to cover for losses while building and towing the tiny home, and long-term insurance is needed after the home is parked
- Separate insurance may be needed to cover the contents of the tiny home in South Carolina, such as the appliances, electronics, and furniture
- Comparing rates online for tiny home insurance is beneficial for tiny homeowners who want to save time while shopping for insurance
Tiny homes are increasingly popular in South Carolina because of the improved lifestyle they enable. They promote a minimalistic lifestyle and dramatically reduce living expenses, and this can help you to enjoy a more relaxed life free of financial worries.
Some tiny homeowners in South Carolina even strive to live a fully self-sustained life and to stay off the grid.
While you may be able to eliminate many regular expenses by moving into a tiny house, insurance is not an expense that you want to skimp on.
Tiny homes in South Carolina could suffer the following:
- damage by fires
- being stolen by criminals
- involvement in a car accident
These situations may result in a partial or total loss. Even the supplies used to build a tiny home in this southern state can be stolen or damaged.
Insurance is needed for your tiny home for building, towing and parking the structure, and several options are available for you to choose from at each stage. Make sure you are covered with our free quote tool above just by entering your zip code!
Insuring Your Tiny House on Wheels in South Carolina
A tiny house in South Carolina may be an affordable housing option, but it also is a significant financial investment that you want to protect.
Because this is your primary shelter and because you do not want to experience financial losses related to damage or theft, you need to buy tiny house insurance at different stages of your ownership experience.
Coverage during Construction
You may have already started looking at floor plans and design ideas for your South Carolina tiny home, but before you begin construction, you need to decide if you will build the tiny house on your own or hire a professional to assist you.
Insurance is needed as soon as supplies are delivered to the build site, and you need to understand the insurance options available at each stage.
If you are not comfortable with your ability to complete the construction efforts based on the South Carolina building codes and requirements or with any aspect of the project efforts required, a do-it-yourself project is not advisable.
Many people who do build their own tiny house in South Carolina will hire a professional electrician to complete and certify all of the electrical work.
This step is critical if you want to obtain a NOAH certification. The NOAH certification for tiny houses enables you to have access to great insurance options as well as different parking options throughout the life of the home.
Furthermore, if you are planning to build your tiny house in South Carolina yourself, insurance should be purchased for your supplies as well as for any work that you have completed on the tiny home.
Insurance can provide you with financial protection against theft, weather damage, and other types of loss events.
For South Carolinians who want to hire a professional builder to work on their tiny house construction project, the builder should have an active, comprehensive insurance policy that provides you with the protection needed at this stage in the ownership experience.
In addition to reviewing a builder’s insurance status before selecting a builder, also look for a builder with an RVIA certification. With this important certification, your tiny house may qualify for RV insurance.
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Coverage during Towing
South Carolina is home to several wonderful tiny home communities, and you may have already selected a final parking place for your tiny home.
Many people who do not park a tiny home in a community will buy their own land for this purpose.
Before you can enjoy living in your parked tiny house, you must tow it to the intended destination. Towing or transportation insurance is needed as soon as the hitch is connected to your car or truck.
If you used a South Carolina builder that has an RVIA certification, your tiny house will likely qualify for RV insurance. However, your car or truck still needs to be insured by a standard auto policy.
If your tiny house in South Carolina does not have the RVIA certification associated with it, you can ask your auto insurance company to add a trip endorsement to the policy.
The cost for this endorsement can vary substantially, so you may want to shop around for new auto insurance to find the most affordable coverage available.
Another insurance option available for this stage in your ownership experience is an inland marine coverage may be considered regardless of the certification status of your tiny house.
This special type of shelter insurance is used to insure any type of mobile dwelling that is located on land.
Remember that none of these coverage options usually insure the contents inside your tiny home in South Carolina.
An additional personal property or renter’s insurance policy may be needed if you want to avoid financial losses related to your furniture, appliances, and other items inside the tiny home.
Coverage while Parked in South Carolina
Your building and towing insurance for a South Carolina tiny house are only needed for a short period, but you will also need long-term insurance for your shelter as soon as the tiny house is disconnected from the tow hitch.
Your insurance policy should have ample coverage for liability, contents, and general property damage. In addition, the deductible amount for tiny house insurance should be affordable for your budget.
The two most common long-term insurance options for a tiny home in South Carolina include special tiny house insurance and mobile home insurance.
While both may provide most of the coverage benefits that you need, keep in mind that a tiny homeowner policy does not offer financial benefits for transportation or for theft of the entire structure.
Buying insurance for your South Carolina tiny house at each stage can affect your budget, and you understandably want to keep expenses as low as possible.
Spend time comparing rates online at each stage in the ownership experience so that you can find the best deal on adequate coverage for all of your needs. Don’t miss out on our free quote tool below! Just enter your zip code and start comparing rates now!