Best Tiny Home Insurance in Tennessee (10 Expert Favorites for 2024)
State Farm, Travelers, and Progressive offer best tiny home insurance in Tennessee, starting at $50 per month. Their policies also include essential features such as coverage required for construction, towing, and parking, making them an optimal choice for homeowners seeking discounts and peace of mind.
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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: Oct 17, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 17, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance 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
17,759 reviewsCompany Facts
Full Coverage Tiny Home Insurance in Tennessee
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
1,731 reviewsCompany Facts
Full Coverage Tiny Home Insurance in Tennessee
A.M. Best Rating
Complaint Level
Pros & Cons
1,731 reviews
13,128 reviewsCompany Facts
Full Coverage Tiny Home Insurance in Tennessee
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsState Farm stands out as the top pick for best tiny home insurance in Tennessee, offering competitive rates beginning at $50 per month for extensive coverage.
In collaboration with Travelers and Progressive, they promise both cost-effectiveness and premium protection, tailored specifically to meet the needs of homeowners’ insurance.
Our Top 10 Company Picks: Best Tiny Home Insurance in Tennessee
| Company | Rank | Good Student Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 3% - 10% | A++ | Student Savings | State Farm |
 | #2 | 9% - 12% | A++ | Unique Coverage | Travelers |
 | #3 | 8% - 11% | A+ | Tight Budgets | Progressive |
 | #4 | 3% - 7% | A+ | Usage-Based Coverage | Nationwide |
 | #5 | 5% - 8% | A | Discount Variety | Farmers |
 | #6 | 4% - 6% | A+ | Usage-Based Discount | Allstate |
 | #7 | 3% - 6% | A++ | Lowest Rates | Geico |
 | #8 | 7% - 12% | A | KnowYourDrive Program | American Family |
 | #9 | 2% - 5% | A | RightTrack Program | Liberty Mutual |
 | #10 | 5% - 7% | A+ | Filing Claims | Erie |
- State Farm offers policies and liability protection starting at $50/month
- Find the best tiny home insurance in Tennessee that meets your needs
- Explore expert reviews to help you select the ideal tiny home insurance
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#1 – State Farm: Top Overall Pick
Pros
- Tailored Insurance: State Farm customizes policies to suit the unique needs of each homeowner.
- Affordable Pricing: State Farm provides cost-effective rates, guaranteeing homeowners receive excellent value.
- Extensive Protection: As outlined in our State Farm insurance review, State Farm offers comprehensive coverage options for diverse risks.
Cons
- Restricted Accessibility: State Farm’s services may not be available in every region.
- Possible Price Increases: Premiums could potentially escalate over time, impacting affordability.
#2 – Travelers: Best for Unique Coverage
Pros
- Diverse Savings Opportunities: Travelers offers various discounts aimed at potential cost savings.
- Enhanced Protection: Travelers provides additional safeguards such as identity theft and eco-friendly home coverage.
- Customized Insurance: Travelers personalizes policies to align with the specific needs of homeowners.
Cons
- Service Challenges: Certain customers express discontent with Travelers’ service quality, particularly in claims processing.
- Restricted Choices: As per our Travelers insurance review, coverage availability may be limited in certain regions.
#3 – Progressive: Best for Tight Budgets
Pros
- Broad Protection: Progressive presents an array of coverage options to safeguard against various risks.
- Multi-Line Discounts: Progressive offers incentives for bundling home and auto insurance policies together.
- Tailored Insurance: Progressive customizes policies to address the individual requirements of homeowners.
Cons
- Restricted Accessibility: Progressive’s coverage may not be available in every region, constraining homeowners’ choices.
- Service Issues: As indicated in our Progressive insurance review, certain customers express dissatisfaction with customer service.
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#4 – Nationwide: Best for Usage-Based Coverage
Pros
- Package Discounts: Nationwide offers savings for bundled policies, which could lead to reduced expenses. For more information, refer to our Nationwide insurance review.
- Comprehensive Coverage: Nationwide provides a range of options to protect homeowners from a variety of risks.
- Supplementary Safeguards: Nationwide offers additional coverage choices such as identity theft protection and flood insurance.
Cons
- Service Concerns: Certain customers voice dissatisfaction with Nationwide’s customer service.
- Restricted Discount Variety: Nationwide’s range of discounts may not be as extensive as those offered by other insurers.
#5 – Farmers: Best for Discount Variety
Pros
- Discount Opportunities: Farmers extends a variety of discounts, potentially leading to premium reductions.
- Supplementary Protections: Farmers offers additional coverages such as identity theft protection and equipment breakdown coverage.
- Claims Processing: Farmers is commended for its prompt and effective handling of claims.
Cons
- Elevated Prices: Certain homeowners may perceive Farmers’ premiums as higher when compared to those of competitors.
- Restricted Accessibility: Farmers may limit options for certain homeowners. Further details can be found in our Farmers insurance review.
#6 – Allstate: Best for Usage-Based Discount
Pros
- Savings Potential: Allstate offers a range of discount opportunities that could lead to premium reductions.
- Comprehensive Coverage: Allstate provides comprehensive protection options to mitigate various risks.
- Convenient Mobile App: Allstate’s mobile application provides convenient access to policy details and facilitates easy claims filing.
Cons
- Elevated Premiums: Some homeowners may find Allstate’s premiums to be higher compared to those of other insurers. For further information, consult our Allstate insurance review.
- Limited Availability: Allstate’s operations may not cover all regions, thereby limiting options for homeowners.
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#7 – Geico: Best for Lower Rates
Pros
- Personalized Insurance: Geico tailors policies to match the individual requirements of homeowners.
- Financial Stability: Geico demonstrates robust financial standings through high ratings.
- Prompt Claims Processing: Geico is recognized for its quick and effective handling of claims. You can find further insights into their efficiency in our Geico insurance review.
Cons
- Limited Geographic Reach: Geico’s operations may not extend to all regions, resulting in restricted coverage options.
- Potential Elevated Expenses: Certain homeowners may perceive Geico’s premiums as higher when compared to those of competitors.
#8 – American Family: Best for Know-Your-Drive Program
Pros
- Package Discounts: American Family offers opportunities to bundle home and auto policies for additional savings.
- Continuous Support: American Family provides support around the clock for handling claims and inquiries.
- Streamlined Comparison: American Family facilitates easy comparison of quotes from various insurers.
Cons
- Service Challenges: Some customers express concerns regarding American Family’s customer service quality. For further details, refer to our American Family insurance review.
- Restricted Coverage Selection: American Family may provide fewer options for coverage compared to competitors.
#9 – Liberty Mutual: Best for Right Track Program
Pros
- Multi-Policy Discounts: Liberty Mutual offers discounts for bundling home and auto policies.
- Financial Strength: Written in our Liberty Mutual insurance review, Liberty Mutual has strong financial ratings for claims security.
- 24/7 Claims Assistance: Liberty Mutual provides round-the-clock support for claims processing.
Cons
- Discount Limitations: Some homeowners may find Liberty Mutual discounts less extensive.
- Service Issues: Some clients express dissatisfaction with Liberty Mutual customer service.
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#10 – Erie: Best for Filing Claims
Pros
- Customized Policies: Erie customizes policies to match homeowners’ unique needs.
- Discount Opportunities: Erie offers various discounts, helping homeowners save on premiums.
- Responsive Claims Processing: Erie is known for efficient and prompt claims handling.
Cons
- Restrictions: Erie may not be available in all areas. Know their availability through our Erie insurance review.
- Potential Higher Premiums: Some homeowners may find Erie premiums higher compared to other insurers.
Insuring Your Tiny House on Wheels in Tennessee
Coverage During Construction
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Coverage During Towing
Coverage While Tiny Home Parked in Tennessee
Use our free quote tool to compare rates and find the best fit for your tiny home. 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 the 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 through insurance-to-value guides.
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. Enter your ZIP code now.
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 and home fire safety guides 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.
How much insurance do you need for a tiny home?
What is tiny home homeowner insurance?
What is the best insurance for tiny house?
How can you get insurance?
- Identify your insurance needs (health, auto, home, etc.).
- Research and compare insurance providers.
- Get quotes and compare coverage and costs.
- Choose a policy that fits your needs and budget.
- Apply for coverage and undergo the underwriting process.
- If approved, review the policy terms and arrange payment.
- Regularly review and update your coverage as needed.
- Know how to contact your provider for service or claims.
What are the insurance companies?
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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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
