If you’re planning your next sight-seeing trip, you may be considering renting an RV or recreational vehicle to transport you and your family. Renting an RV can be a great way to get around and offer a place to stay on your big vacation!
But how will it be insured?
When it comes to insuring a rental RV, you’ll find the process will differ from renting normal cars or even insuring owned recreational vehicles. At Berry Insurance, we’ve helped steer our clients to the right information on how they can best protect their rental - and make sure the good times keep rolling on their next trip.
In this guide we’ll break down how your insurance will or will not cover a rental RV, and how you can protect your rental while you explore.
Table of contents:
- Does my car insurance cover a rental RV?
- Does my RV insurance cover rentals?
- How should I insure my rental RV?
Standard car insurance policies will not extend coverage to any type of rented RV that is driven, but may extend liability coverage to towed RV.
When it comes to recreational vehicles, there are a lot of rental options. From classes A thru C, trailers, campervans, and everything in between - the type of RV you plan to rent will affect how your policy extends insurance coverage.
If you are renting a trailer or an RV that is towed, your standard auto insurance policy will extend liability coverage to the recreational vehicle as long as it is being towed by your insured vehicle. However, liability coverage will not cover any physical damage to the RV.
So, liability would typically extend to:
- Fifth wheels
- Travel trailers
- Truck trailers
Your auto insurance policy would not extend coverage to any style of rented RV that is driven, since it does not qualify as a private passenger automobile.
So, your auto insurance policy would not extend to:
- Class A motorhomes
- Class B recreational vehicles
- Class C recreational vehicles
| Class of RV: | Description: |
| Class A | These motorhomes look more like a bus and are the largest type of drivable RVs |
| Class B | These van-like motorhomes are the smallest type of drivable RVs, and are ideal for solo or couples trips |
| Class C | These RVs come in multiple different sizes, but will typically have a bunk over the cab and are ideal for groups and families for their size and amenities |
| Fifth Wheels | These spacious alternatives offer a luxurious experience to the users, but will require a truck to tow them |
| Travel Trailers | Offered in various sizes and layouts, these towable trailers provide the perfect small space for travelers |
| Truck Campers | These campers are compact and versatile RVs with off-road capabilities, typically mounted onto a truck |
Does my RV insurance cover rentals?
Unfortunately no, RV insurance policies will specifically exclude coverage to any rental RV. This is because RV insurance only covers owned recreational vehicles.
If you instead decide to purchase an RV, check out our guide all about RV insurance: What is RV Insurance?
How should I insure my rental RV?
Due to the limited coverage offered through standard auto insurance, you should purchase the insurance offered by the rental company.
What does RV rental insurance cover?
What RV rental insurance covers will vary depending on the rental company, but will typically provide liability coverage if you are liable for any injuries or damages, as well as protection for any damages made to the vehicle or trailer itself.
How much does RV rental insurance cost?
While the cost of RV rental insurance will vary depending on the rental company, it will usually cost between $15 - $30 per day. This may be higher based on the extent of coverage and value of the rented RV.
Covering your next trip
Before setting off on your next adventure, it’s important to ensure you have the right protections for any encounter you may have on the road. Securing RV rental insurance is the best way to protect yourself and your rental if your trip makes a few unexpected turns.
Since RV rental is not typically covered by car insurance, you may be wondering what are some other limitations on your policy. For the top things not covered by your auto insurance policy, check out this guide: 13 Things Not Covered by Car Insurance.