So, you’re renting an RV for the weekend or maybe longer, how exciting! While you’ve got your eye on cool wineries to stay at or baby goat farms to visit, it’s also time to think about how RV insurance will impact your travels. RV insurance for rentals is quite different than the RV insurance for a vehicle you own, but no worries. We can help you through it!
Do I have coverage through my auto or homeowners insurance?
If you already have some insurance, you may be asking yourself, “am I already covered?” The answer is likely no, although your insurance may offer some slight benefits. For example, homeowners insurance can protect the stuff you bring with you on your RV rental like clothes or camping supplies, but it won’t protect you for larger items like expensive jewelry.
Where can I get RV rental insurance?
Most of the time, it’s easiest to get RV rental insurance through your RV rental company since they’ll likely bake into your overall price. Their insurance will often include liability insurance, which helps pay the bills if you’re liable for injury or damaged property while driving the RV.
They may also offer Comprehensive and Collision coverage to pay for RV repairs and your medical bills if your rental is damaged in a collision or other unexpected event.
Do I really need 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. And the cost to repair these specialized vehicles is typically higher than standard cars or trucks.
Plus, RV rental insurance can also offer other benefits like a rental car or hotel reimbursement if your RV becomes inoperable. Overall, we recommend that you be on the safer side and get the coverage so you can relax and enjoy your vacation, even if things don’t go as planned.
What if I rent a travel trailer or a camper van?
Getting insurance for a camper van is required by state law, but for a travel trailer rental, it varies by state. So, you’ll want to check the laws, not just in your state or the state of your destination, but all the states you’ll be traveling through. Regardless of whether it’s legally required, getting RV insurance is still a good idea to ensure you don’t get left with a large
amount of out-of-pocket expenses. Getting insurance for both these types of coverage will be almost identical to getting coverage for a class A, B, or C vehicle, and you’ll likely get it through your rental company.
How much is RV rental insurance?
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 to 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 rentals cost less than RV insurance for standalone vehicles.
RV rental insurance helps you stay prepared for the unexpected, whether it’s a mishap or a major repair. By understanding your coverage options, checking state laws, and protecting your rental, you can enjoy your RV getaway without a worry in sight!
Looking to learn more about insurance coverages? Find out more information about our sponsor, Progressive.
