Best Tiny Home Insurance in South Carolina (Top 10 Companies for 2025)
State Farm, USAA, and Allstate provide the best tiny home insurance in South Carolina, commencing for as low as $50 monthly. Their plans encompass crucial elements like construction coverage, towing, and parking, catering to homeowners' needs for savings and reassurance.
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Table of Contents
Table of Contents
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Dani Best
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Tracey L. Wells
Updated June 2025
18,155 reviewsCompany Facts
Full Coverage SC Tiny Home Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
18,155 reviews
6,589 reviewsCompany Facts
Full Coverage SC Tiny Home Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
6,589 reviews
11,638 reviewsCompany Facts
Full Coverage SC Tiny Home Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
11,638 reviews
Compare Quotes From Top Companies and Save Full Coverage SC Tiny Home Insurance A.M. Best Rating: Complaint Level:
18,155 reviews
Free Insurance Comparison
Secured with SHA-256 EncryptionState Farm Insurance
Pros
Cons
State Farm emerges as the leading choice for the best tiny home insurance in South Carolina, boasting competitive pricing starting at $50 per month for comprehensive coverage.
Teaming up with USAA and Allstate, they ensure both affordability and top-tier security, custom-tailored to fulfill homeowners’ insurance requirements.
Our Top 10 Company Picks: Best Tiny Home Insurance in South Carolina
Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 10% A++ Customizable Coverage State Farm
#2 10% A++ Exclusive Discounts USAA
#3 25% A+ Comprehensive Policies Allstate
#4 10% A+ Innovative Technology Progressive
#5 10% A Bundling Discounts Liberty Mutual
#6 10% A Personalized Service Farmers
#7 20% A+ Nationwide Coverage Nationwide
#8 10% A++ Coverage Options Travelers
#9 20% A Financial Stability American Family
#10 25% A+ Affordability Reliability Erie
- State Farm offers policies and liability protection starting at $50/month
- Find the best tiny home insurance in South Carolina that meets your needs
- Explore expert reviews to help you select the ideal tiny home insurance
#1 – State Farm: Top Overall Pick
Pros
- Customized Policies: State Farm customizes policies to suit the specific needs of individual homeowners.
- Competitive Pricing: State Farm provides rates that are competitive, ensuring homeowners receive good value for their money.
- Comprehensive Protection: As detailed in our State Farm insurance review, State Farm offers extensive coverage options for a wide range of risks.
Cons
- Availability Constraints: State Farm’s services may not be available in all geographical areas.
- Possible Premium Escalations: Over time, premiums with State Farm could increase, potentially impacting affordability.
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#2 – USAA: Best for Exclusive Discounts
Pros
- Personalized Policies: USAA tailors policies to meet the unique needs of homeowners.
- Financial Stability: USAA demonstrates robust financial ratings, ensuring reliability in coverage.
- Prompt Claims Processing: USAA is recognized for its efficiency and responsiveness in handling claims. Explore more about their effectiveness in our USAA insurance review.
Cons
- Limited Availability: USAA’s coverage may not be accessible in all areas, which could restrict options for homeowners.
- Potential Increased Expenses: Some homeowners may perceive USAA’s premiums to be higher than those of competitors.
#3 – Allstate: Best for Comprehensive Policies
Pros
- Discount Availability: Allstate offers a range of discount options, potentially leading to lower premiums for homeowners.
- Comprehensive Coverage: Allstate provides a wide array of coverage options to protect against various risks.
- Convenient Mobile App: Allstate’s mobile application provides convenient access to policy information and facilitates filing claims.
Cons
- Elevated Premiums: Allstate’s premiums might surpass those of other insurers, potentially impacting affordability. Refer to our Allstate insurance review for further insights.
- Limited Availability: Allstate’s operations may be restricted in certain regions, limiting options for homeowners seeking coverage.
#4 – Progressive: Best for Innovative Technology
Pros
- Broad Coverage: Progressive offers a wide range of coverage options to address various risks homeowners may face.
- Multi-Policy Savings: Progressive provides discounts for bundling home and auto insurance policies, potentially reducing overall costs for policyholders.
- Tailored Policies: Progressive customizes policies to cater to the specific needs and preferences of homeowners.
Cons
- Restricted Availability: Progressive’s coverage may not be available in all areas, limiting options for homeowners seeking insurance.
- Customer Service Issues: According to our Progressive insurance review, some customers have expressed dissatisfaction with the level of service provided by Progressive.
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#5 – Liberty Mutual: Best for Bundling Discounts
Pros
- Bundle Savings: Liberty Mutual provides discounts when bundling home and auto policies, potentially saving homeowners money on their insurance premiums.
- Financial Stability: As detailed in our Liberty Mutual insurance review, Liberty Mutual boasts robust financial ratings, ensuring security for claims processing.
- Continuous Claims Support: Liberty Mutual offers 24/7 assistance for claims processing, providing homeowners with support whenever they need it.
Cons
- Discount Constraints: Certain homeowners may perceive Liberty Mutual’s discount offerings as less extensive compared to other insurers.
- Customer Service Concerns: Some clients have voiced dissatisfaction with the level of customer service provided by Liberty Mutual.
#6 – Farmers: Best for Personalized Service
Pros
- Discount Opportunities: Farmers presents a range of discounts, offering the potential to lower premiums for homeowners.
- Extra Protections: Farmers offers additional coverages such as identity theft protection and equipment breakdown coverage, enhancing the scope of their insurance policies.
- Efficient Claims Management: Farmers receives acclaim for its prompt and effective handling of insurance claims, ensuring homeowners’ peace of mind during the process.
Cons
- Elevated Expenses: Certain homeowners might perceive Farmers’ premiums as higher in comparison to those of their competitors.
- Availability Restrictions: Farmers imposes limitations on options for certain homeowners, potentially restricting their choices. Explore further details in our Farmers insurance review.
#7 – Nationwide: Best for Nationwide Coverage
Pros
- Package Discounts: Nationwide offers savings through bundled policies, which have the potential to decrease overall costs. Refer to our Nationwide insurance review for more information.
- Comprehensive Protection: Nationwide furnishes homeowners with a wide array of coverage options to shield them from diverse risks, ensuring comprehensive protection.
- Supplementary Safeguards: Nationwide extends additional protections such as identity theft protection and flood insurance, enhancing the scope of their insurance offerings.
Cons
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#8 – Travelers: Best for Coverage Options
Pros
- Multiple Discounts: Travelers provides discounts to potentially save money.
- Additional Coverage: Travelers offers extra protections such as identity theft and green home coverage.
- Personalized Policies: Travelers tailors policies to meet homeowners’ specific requirements.
Cons
- Customer Service Issues: Some customers report dissatisfaction with Travelers’ service, including claims handling.
- Limited Options: According to our Travelers insurance review, Travelers may not offer coverage in all areas.
#9 – American Family: Best for Financial Stability
Pros
- Bundle Savings: American Family allows bundling home and auto policies for extra savings.
- 24/7 Support: American Family provides round-the-clock assistance for claims and inquiries
- Easy Comparison: American Family simplifies comparing quotes from multiple insurers.
Cons
- Customer Service Concerns: Some clients report issues with American Family’s customer service. See more in our American Family insurance review.
- Limited Coverage Options: American Family may offer fewer coverage options compared to rivals.
#10 – Erie: Best for Affordability Reliability
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.
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Insuring Your Tiny House on Wheels in South Carolina
Coverage During Construction
Coverage During Towing
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Coverage While Tiny Home Parked in South Carolina
Once you’ve detached your tiny home’s trailer, transition to permanent tiny home insurance in South Carolina. Explore specialized policies for tiny homeowners or mobile home insurance to ensure comprehensive coverage.
Frequently Asked Questions
What insurance coverage do I need for my tiny house in South Carolina?
For your tiny house in South Carolina, you will need insurance coverage for construction, towing, and while the house is parked. Different options are available at each stage, including RVIA certification for RV and auto insurance, providing collision, liability, and contents coverage.
Do I need insurance during the construction of my tiny house in South Carolina?
Yes, it is recommended to have insurance during the construction of your tiny house in South Carolina. This insurance-to-value should cover the supplies and any work completed on the structure to protect against theft, weather damage, and other types of loss events.
What insurance do I need while towing my tiny house in South Carolina?
When towing your tiny house in South Carolina, you will need towing or transportation insurance. If your tiny house has RVIA certification, it may qualify for RV insurance. Otherwise, you can add a trip endorsement to your auto insurance policy. Inland marine coverage is also an option for insuring mobile dwellings on land. Enter your ZIP code to compare.
What insurance coverage do I need while my tiny house is parked in South Carolina?
While your tiny house is parked in South Carolina, you will need long-term insurance coverage. This insurance should include liability, contents, and general property damage coverage.
The two most common options are special tiny house insurance and mobile home insurance, but you should compare rates to find the best deal for your needs.
How can I find the best insurance coverage for my South Carolina tiny house?
To find the best insurance coverage for your South Carolina tiny house, compare rates online at each stage of the ownership experience. Use free quote tools and enter your ZIP code to receive multiple quotes. By comparing rates, you can ensure you have adequate coverage while keeping expenses as low as possible.
How much insurance do you need for a tiny home?
The necessary insurance coverage for a tiny home depends on factors such as its value, location, and how it’s used. Evaluating these factors, including home safety fire guides and discussing with insurance providers is crucial to ascertain the right coverage amount.
What is tiny home homeowner insurance?
What is the best insurance for tiny house?
How can you get insurance?
What are the insurance companies?
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