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

Tiny house insurance in Tennessee 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...

  • You may need to buy multiple tiny home insurance policies for your Tennessee home when building and transporting it as well as when you are living in the parked home
  • A Tennessee tiny home could be damaged by fire, theft, a vehicle collision, and many other negative events
  • Your building or construction efforts for a Tennessee tiny home may affect the types of coverage available to you throughout the life of the tiny home
  • Remember to buy coverage for the personal items, appliances, and other items of value inside the tiny home

As soon as you begin thinking about building a tiny home in Tennessee and enjoying the benefits associated with minimalistic living, you should focus your attention on finding protective yet affordable insurance for the tiny home.

Many tiny homeowners do not think about insuring this type of structure because it is a mobile, non-traditional dwelling. Some intend to live off the grid, and they do not want to take on extra expenses, such as insurance.

However, there is always a chance that your tiny home could be damaged or stolen, and you need to protect yourself against financial loss.

A tiny home in Tennessee should be insured as soon as you begin building it, and temporary insurance is necessary for this stage and while towing it to a permanent location.

After you have towed the tiny home on a trailer to a desirable location in Tennessee, you will need to explore permanent coverage options for your shelter.

Because damage or theft can happen at any time, your goal should be to avoid lapses in coverage even when transitioning to a different type of insurance. Make sure you use our free quote tool to compare the best price for the coverage you need today!

Insuring Your Tiny House on Wheels in Tennessee

A tiny house in Tennessee enables you to live comfortably on less money, and this means that you could work less and enjoy spending your time in more desirable ways.

Your tiny house may be an affordable shelter, but it nonetheless is a financial investment, and it may be your primary shelter.

Any type of damage or loss related to your home could be devastating and stressful, and you need to insure the tiny home in different ways at various stages.

Coverage during Construction

All Tennessee tiny homes should comply with the state’s residential building codes and laws.

You must thoroughly research building codes before starting a tiny home construction project, and you need to decide if you have the knowledge and skills necessary to comply with the codes.

If you choose to proceed with a do-it-yourself construction project for your Tennessee tiny home, consider the benefits associated with hiring a certified or licensed electrician.

When an electrician certifies your tiny home’s wiring, you could potentially qualify for a better insurance policy later.

You should also strive to obtain the NOAH certification for tiny homes.

This important certification requires you to complete the construction process while meeting specific standards, and it may enable you to get better coverage for your Tennessee tiny home and to park it is more desirable locations.

Remember to insure your tiny home against losses at this stage, and even the materials and supplies necessary for construction should be insured.

If you do not feel confident about your ability to build your Tennessee tiny home on your own, you should find a professional and experienced builder to do the work for you.

Any builder who you choose to complete the building project should have an adequate insurance policy that protects you against losses at this stage, and the builder who you hire ideally will have an RVIA certification. With

With an RVIA certification, your tiny house could potentially be insured by RV coverage later in your ownership experience.

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Coverage during Towing

As soon as construction on your Tennessee tiny home is completed, you may be ready to tow your shelter down the road to a permanent location. There are lovely tiny home communities in Tennessee, or you may place the home on your own land.

Before you hook your tiny home’s trailer to a tow hitch, obtain transportation or towing insurance for it.

This type of coverage needs to be in place any time you transport the tiny house in the future as well, and it should remain in place until you park the home.

Several types of towing insurance are available for you to consider. If your tiny home in Tennessee was professionally constructed by a builder with an RVIA certification, you could buy RV coverage for the home and use your standard auto coverage for the towing vehicle.

If the RVIA certification is not applicable, you can purchase the following types of coverage:

  • an inland marine insurance policy designed for mobile dwellings
  • a trip endorsement on your regular auto policy

Remember that the interior contents of the home, such as appliances and furniture, are not covered by these types of policies in most cases, and you may need to buy renter’s insurance or another type of personal property coverage to enjoy this type of benefit.

With several coverage options available on your Tennessee tiny home during the towing or transportation stage, you should get quotes for each option to find the most affordable insurance.

Requesting quotes online is a time-saving measure to consider. Remember to buy coverage before you reach each stage rather than while you are at the stage.

Coverage while Parked in Tennessee

After you unhook your tiny home’s trailer from your tow hitch, the towing coverage is no longer applicable, and your home needs to immediately be covered by a permanent type of tiny home insurance.

In Tennessee, you could accomplish this goal by buying a tiny homeowner policy from a specialty provider. Tiny home insurance offers no benefits related to theft losses or while the home is being transported.

If you are looking for another insurance option for your Tennessee tiny home, buying mobile home insurance could be considered.

A tiny home does not qualify for traditional home insurance because it is not site-built in most cases, but mobile home insurance is ideal for this type of structure.

Remember to shop for low rates and to get ample coverage for the tiny home and its contents at each stage in the ownership experience.

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