RV Rental Insurance Options for your upcoming RV trip

Most personal automobile policies provide coverage for RV Rentals. Personal auto insurance often will provide the best coverage with the limits you are comfortable with and provide a low security deposit of $500. Check with your agent to find out if your personal policy provides coverage.

Your Insurance Policy

If your personal auto policy does not provide coverage, there is basic insurance on the RV with a $2000 deductible that is included at no charge.

If your policy does not provide insurance coverage for the RV, we have four options for you to choose from. See all rv rental insurance providers and our offers below.

List of Insurance Providers that Commonly Cover RV Rentals

  • AAA
  • American Family
  • Bear River Mutual
  • CHUBB
  • Country Insurance
  • Farm Bureau
  • Farmers
  • Nationwide
  • State Farm
  • Travelers
  • USAA
  • Wawanesa

NOTICE: YOUR OWN MOTOR VEHICLE INSURANCE MAY COVER ANY DAMAGE OR LOSS TO THE RENTAL VEHICLE. ACCESS RV’S OPTIONAL PROTECTION COVERAGE IS NOT INSURANCE.

Optional Protection Coverage for Vehicle. If you purchase and accept Optional Protection Coverage at the beginning of the rental, we will waive your responsibility for loss of or damage to the Vehicle in full or in part depending on the option plan accepted, except that back-up, undercarriage, and overhead damage to the Vehicle is not covered by the Optional Protection Coverage.

The options are as follows:

Option 1: Your responsibility for damage to the Vehicle will be limited to the first $2000 of physical damage per occurrence plus loss of use, diminution in value, and an administrative fee. 

Option 2: Your responsibility for damage to the Vehicle will be limited to the first $1000 of physical damage per occurrence.  You will not be responsible for loss of use, diminution in value, or an administrative fee.

Option 3: Your responsibility for damage to the Vehicle will be limited to the first $600 of physical damage per occurrence. You will not be responsible for loss of use, diminution in value, or an administrative fee. In the event of a breakdown of 24 hours or more, you will also be reimbursed for up to $150 per day for related incurred and documented expenses, including overnight accommodations, transportation, and meals. However, you understand that you must receive prior authorization from us for expenses exceeding $50.00. Final reimbursement determination, regardless of prior authorization, will be at our sole discretion. *refer to VacationSaver Policy in your Agreement Folio.

Option 4: Your responsibility for damage to the Vehicle will be limited to the first $500 of physical damage per occurrence. you will not be responsible for loss of use, diminution in value, or an administrative fee. You will not be responsible for tire replacement, rock chip repair, windshield replacement or damage. In the event of a breakdown of 24 hours or more, you will be reimbursed for up to $250 per day for related incurred and documented expenses, including overnight accommodations, transportation, and meals. However, you understand that you must receive prior authorization from us for expenses exceeding $50.00. Final reimbursement determination, regardless of prior authorization, will be at our sole discretion. *refer to VacationSaver Policy in your Agreement Folio.

Third Party Liability Where we are required by law to provide any (liability) protection, it shall be secondary over and above any other available insurance provided by or available to you under all other policies (whether primary or excess) in an amount not to exceed the minimum statutory financial responsibility liability limits of the state where the accident occurred.

The security deposit is an authorization only on a VISA, MasterCard or Discover at the time of pick-up. This does not charge the card but does confirm the funds and holds the amount during the duration of your trip. If you are using one of our options, you can decide which one at the counter when you are picking up your RV.