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How do I insure a tiny house in Germany?

In short

How do I insure a tiny house in Germany? It depends on whether it stands on a foundation or on wheels. A fixed tiny house needs building insurance (Wohngebäudeversicherung) or a combined building and contents package, available from about EUR 170 a year. If it is registered as a trailer and moved on the road, you also need motor liability cover.

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How do I insure a tiny house in Germany?

What it costs

Published prices and guide values, as of October 2026.

ExampleTypical range
Building and contents package, tiny house on a fixed site, EUR 40,000 unit, EUR 6,000 contents, three year termfrom about EUR 168 a year, without liability
Building insurance for a typical family home, for comparisonabout EUR 35 to 80 a month
Tiny house on a foundation, 30 to 50 square metres, normal areaabout EUR 150 to 350 a year
Motor liability for a registered trailerabout EUR 30 to 100 a year

The package from EUR 168.47 is the price the provider itself states in its product sheet (05/2025,

three year term, annual payment, without liability).

The values for the tiny house on a foundation,

the trailer liability and the worked example are guide values from our quoting practice (Richtwert

aus der Angebotspraxis).

Your premium depends on construction, location and cover; we obtain the exact quote.

Worked example

Couple, 28 square metre tiny house on wheels, parked on their own plot

The tiny house is moved about once a year. They want cover for the unit, contents and liability.

Package, EUR 60,000 unit, EUR 10,000 contentsabout EUR 220 to 300 a year (guide value from our quoting practice)
Property owner liabilityabout EUR 20 to 50 a year (guide value from our quoting practice)
Motor liability for the trailer, seasonal plateabout EUR 30 to 60 a year (guide value from our quoting practice)

Together about EUR 270 to 410 a year, roughly EUR 23 to 34 a month.

Building or vehicle: the first question

For insurance, what matters is what your tiny house is in legal terms. A tiny house on a foundation with power, water and drainage usually counts as a building. Then normal building insurance (Wohngebäudeversicherung) fits, just like for a house.

A tiny house on a registered trailer is also a vehicle. While it is moved on public roads it needs motor liability insurance (Kfz-Haftpflicht). If it stays in one place, you add a separate package for living in it.

Many standard building policies in Germany refuse timber frame homes on wheels or exclude theft of the whole tiny house. Ask before you buy whether the policy names your type of construction.

Your tiny houseSuitable policyWhat to check
fixed on a foundation, own plotbuilding insurance plus contents (Hausrat)declare timber construction correctly
on wheels, parked long termtiny house or mobile home packagetheft of the whole unit included
on wheels, moved on the roadmotor liability for the trailer, maybe partial covercover during transport
on a campsitepackage with property owner liabilityrules of the site operator

What a tiny house package covers

Packages for tiny houses combine building and contents in one contract. Typical cover includes fire, lightning, power surges, burst pipes, storm and hail, burglary and glass breakage. Some also cover theft of the whole tiny house from its site.

Other natural hazards such as flooding, sewer backflow or snow load are often only covered up to a fixed limit, for example EUR 4,000. For a tiny house close to water that is not enough.

Purely cosmetic hail damage to a tiny house, such as dents in the cladding, is often excluded, and an excess of a few hundred euros may apply to storm and hail.

What it costs

Packages for a tiny house parked on a fixed site start at about EUR 170 a year with a three year term and annual payment. That buys about EUR 40,000 for the unit and EUR 6,000 for contents, with liability extra.

A tiny house on a foundation in a normal building policy often costs less than a family home because the area is small. Timber construction, a flood zone and natural hazard cover push the price up.

When you do not need a separate policy

If your tiny house stands next to your main home and is only used as a garden building, it may already be covered as an outbuilding in your existing building insurance. Check the limits for size and value.

Once someone lives in the tiny house or it is let to guests, report it to the insurer. Otherwise there may be a dispute in a claim.

Common gaps for tiny house owners

Transport, liability as a property owner and solar panels on the roof of the tiny house are often missing. Frost damage to pipes is only covered if you heat the unit or drain the pipes in winter.

If you live in the tiny house, your furniture and electronics need contents insurance (Hausratversicherung) or the contents part of a package.

If you come from abroad

In Germany, building rules for a tiny house are set by each federal state and town. A tiny house that is lived in usually needs planning permission (Baugenehmigung). Clear this first, because some insurers ask for it.

A policy from your home country rarely covers a tiny house located in Germany. You need a German contract, and documents are usually in German.

Step by step

  1. Find out whether your tiny house counts as a building or a vehicle.
  2. Add up the new value of the unit, fit out and equipment.
  3. Check the site: flood risk, heavy rain, campsite or own plot.
  4. Ask for a package with building, contents and liability, and describe the construction exactly.
  5. For road trips, arrange motor liability and cover during transport.

Checklist

  • Construction and chassis described correctly in the application
  • Sum insured covers the new value of the tiny house
  • Theft of the whole unit included
  • Natural hazard cover above a small fixed limit if water is nearby
  • Property owner liability in place
  • Solar panels and battery storage included

Common mistakes

  • Leaving the tiny house in an old policy as a garden shed although someone lives in it
  • Taking only motor liability and assuming the home is insured
  • Overlooking the flood limit in the package

Questions and answers

Frequently asked

Is insurance for a tiny house compulsory in Germany?

Not by law, except motor liability if it is driven on the road as a trailer.

Banks and campsites often require proof of cover.

Does normal contents insurance work in a tiny house?

Yes, if the tiny house is your home and the policy accepts the construction.

Report your new address.

How much does it cost to insure a tiny house each year?

Packages start at about EUR 170 a year.

With liability and a higher sum, EUR 250 to 400 is realistic.

Is my tiny house covered while it is moved?

Not automatically.

Many packages only apply at the site.

For transport you need motor liability and possibly transport cover.

Can I get flood cover for a tiny house?

Yes, but often only up to a fixed limit.

In risky locations ask for a higher sum.

Sources

NAMMERT insurance broker

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Buildings insurance in Germany (Wohngebäudeversicherung)

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Related questions

Your broker: Norman Nammert, trading as NAMMERT.

Insurance broker licensed under section 34d(1) of the German Trade Regulation Act.

Broker register no. D-C08Q-TOSD4-37.

NAMMERT Assekuradeur GmbH is a separate company.

It does not arrange your contract.

Statutory disclosure (German) · Updated

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