TL;DR: Yes, RV rental insurance is typically required. You need at least the state’s minimum liability coverage, and if your personal auto policy doesn’t extend to the rented RV, you’ll need to purchase separate insurance through the rental company or a third-party insurer. Without proper insurance, you risk legal and financial consequences in case of accidents.
(For more help, call Insure on the Spot at 773-202-5060.)
When renting an RV, it’s critical to ensure you have proper insurance coverage. This keeps you legally protected and shields you financially in case of damage or accidents. Most RV rental agencies will either offer an insurance package or require proof of coverage before letting you drive off. If your personal auto policy doesn’t extend to RV rentals, you’ll need to purchase a separate policy to avoid being personally liable for damages.
What Does RV Rental Insurance Cover?
RV rental insurance typically includes coverage for damage to the RV and liability for injuries or property damage to others. Collision/comprehensive coverage protects the RV from accidents, theft, or damage, while liability covers medical bills or repair costs if you’re at fault in an accident. Some policies may also include uninsured motorist coverage and medical payments or personal injury protection (PIP). However, personal belongings inside the RV and damages from unauthorized drivers or intentional acts are generally excluded.
Where Can You Get RV Rental Insurance?
You can obtain RV rental insurance through the rental company, your personal auto insurer (if they allow coverage), or a third-party insurer. Most rental companies, including those like RVshare or Outdoorsy, offer insurance packages that cover the RV for the duration of your rental. Some personal auto policies may extend coverage to an RV rental for a short term, but always confirm with your insurer first. Alternatively, third-party insurers like Progressive or Nationwide also offer specialized RV coverage.
How Much Does RV Rental Insurance Cost?
RV rental insurance generally costs between $15–$30 per day, depending on factors like the RV’s value, the coverage type, and your trip duration. For larger, more expensive RVs, or if you choose comprehensive coverage, the cost can rise to $50–$70 per day. Keep in mind that some rental companies may bundle the insurance cost into the overall rental price, so be sure to check the details.
Frequently Asked Questions (FAQ)
Q: Do I need insurance for a rented RV?
A: Yes, insurance is required to rent an RV, either through your personal auto policy (if it covers RV rentals) or via the rental company.
Q: Does my personal car insurance cover an RV rental?
A: Many personal auto policies do not cover RV rentals. However, a few insurers, like USAA and State Farm, may extend coverage for short-term rentals. Always check with your insurer.
Q: What about credit card coverage for RV rentals?
A: Most credit cards do not offer coverage for RV rentals. You’ll need to secure insurance through the rental company or another insurer.
Q: How much does RV rental insurance cost?
A: On average, RV rental insurance costs $15–$30 per day, depending on the RV’s size and coverage level.
Q: Does RV rental insurance cover my personal belongings?
A: No, personal items inside the RV are typically not covered by the rental insurance. You may want to consider additional travel insurance or check your homeowner’s insurance for coverage.
For more information on insurance options for your RV rental, contact Insure on the Spot. Whether you’re planning a weekend getaway or a longer road trip, Insure on the Spot can help ensure you’re fully covered and ready to hit the road! call Insure on the Spot at 773-202-5060.