What do I need for my tiny house insurance in Tennessee?
Tiny house insurance in Tennessee is required for construction, towing, and parking tiny homes. Obtain RVIA certification to qualify for RV and auto insurance as well. You'll then be able to acquire collision, liability, and contents coverage.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Nov 7, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 7, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
A great way to keep your average cost down is to obtain an insurance quote from a few different companies. Even if you’re content with your current insurer, you may find that they don’t offer the limits necessary to protect your home on wheels. 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. Making sure you have proper dwelling coverage will keep it and everyone who lives within it happy and safe.
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 an RVIA certification, your tiny house could potentially be insured by RV coverage later in your ownership experience.
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.
Keep in mind that in order to find the best cost of homeowners insurance that will be the best fit for your tiny home, you should check what the average rate on the market is going to cost you.
Don’t miss out on our free quote tool below. Just enter your ZIP code and start comparing rates from a wide variety of insurance providers today.
Frequently Asked Questions
What is the requirement for tiny house insurance in Tennessee?
In Tennessee, tiny house insurance is required for construction, towing, and parking of tiny homes. RVIA certification is necessary to qualify for RV and auto insurance, which allows you to obtain collision, liability, and contents coverage.
When should I insure my tiny house in Tennessee?
It is important to insure your tiny house in Tennessee as soon as you begin building it. Temporary insurance is necessary during the construction stage and while towing it to a permanent location. You should also explore permanent coverage options for your shelter after it has been parked.
What coverage options are available during the construction stage?
During the construction stage of your tiny house in Tennessee, you should insure the structure itself as well as the materials and supplies needed for construction. It is advisable to hire a certified or licensed electrician to certify the wiring, as this may help you qualify for better insurance later. Obtaining the NOAH certification for tiny homes can also lead to better coverage options.
What type of insurance do I need during towing?
When towing your Tennessee tiny house, you should have transportation or towing insurance in place. If your tiny home was professionally constructed with an RVIA certification, you can use RV coverage for the home and standard auto coverage for the towing vehicle. If the RVIA certification is not applicable, there are other types of coverage available, such as cargo insurance, liability coverage, and physical damage coverage.
What insurance options are available when the tiny house is parked in Tennessee?
Once your tiny house is parked in Tennessee, towing coverage is no longer applicable, and you should obtain permanent insurance for the home. Tiny homeowner insurance from a specialty provider is a common option. Mobile home insurance can also be considered, as traditional home insurance may not cover tiny homes. It’s important to shop around and compare quotes to find the best coverage and cost for your specific needs.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.