What is RV rental insurance?
RV rental insurance may provide temporary coverage for a rented motorhome or travel trailer and should be purchased through the RV rental company. Depending on the policy, you may have liability coverage as well as protection against damage to the vehicle or trailer you rent from the RV rental company. Your personal auto or RV insurance policy typically won’t extend to a rented RV.
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How does RV rental insurance work?
An RV or auto insurance policy from Progressive won’t cover a rented motorhome. You must purchase temporary RV insurance from the RV rental company to cover damage you cause to the rental as well as damage or injuries you cause to others while operating your RV rental. The type of coverage available, as well as the limits, will depend on what the RV rental company offers. The cost of an RV rental insurance policy is often bundled with the vehicle's daily rental price by the RV rental company.
What does RV rental insurance cover?
Coverage for your RV rental typically protects against damage to the motorhome or trailer. RV rental insurance also usually includes liability coverage in case you're liable for injuries or damage while using the motorhome. Your exact coverages and limits will depend on what kind of policy is offered by the RV rental company.
Will homeowners insurance cover an RV rental?
The following are typically not covered by your homeowners insurance policy while on a trip with a rented RV:
Damage to the rented RV: Homeowners insurance may not cover damage to a rented motorhome or travel trailer. Theft of the RV also may not be covered.
Stolen or damaged personal items beyond the limits of your homeowners policy: However, if expensive jewelry is stolen and you already carry an endorsement for its full value, you may be covered.
Injuries to visitors: Personal liability coverage under your homeowners policy typically won't extend to injuries you’re liable for in or around an RV rental.
Homeowners insurance may provide coverage for theft of personal items from your rented trailer or motorhome while it's parked, including digital devices, clothing, luggage, or other material goods in your RV. This protection may extend to any damage caused by a weather event such as a severe storm. Check your homeowners policy to determine any specific limits on coverage to personal items stored away from your home.
How much does RV rental insurance cost?
Because the expenses are often included as part of the rental, RV rental insurance costs can be difficult to assess. Money.com reports that RV rental insurance costs $15-$30 per day. Your price will be based on the vehicle's size, model, and coverage limits you choose. In general, towable trailers and campervan rental insurance costs less than RV rental insurance for standalone vehicles.
Should you purchase RV rental insurance?
You may not have the option to go without RV rental insurance, as RV rental companies may include insurance in the cost of the RV’s daily rental rate.
If you have the choice to go without RV rental insurance and are debating whether to purchase coverage, keep in mind that even experienced RVers are susceptible to dings and fender benders—especially considering the size of the larger RV rentals.
The cost of repairs to these specialized vehicles is typically higher than for standard cars and trucks; an RV rental insurance policy can help safeguard your wallet if you're liable for damage to the rental. A rental policy may even offer added benefits, such as a rental car or hotel reimbursement if the RV becomes inoperable.
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