Traveling through the countryside in a recreational vehicle (RV) sounds like a fantastic way to spend a summer vacation. However, owning an RV full-time may not be practical for everyone. These vehicles are expensive and require significant storage space. Renting an RV could be an excellent alternative for those who want the experience without the long-term commitment. Keep in mind, though, that even rental RVs require insurance. Rental RV insurance is not the same as rental car insurance—it’s typically more expensive, and your credit card may not cover it. Fortunately, obtaining rental RV insurance is a straightforward process.

How to Get Rental RV Insurance and How It Works

The company you rent your RV from may also offer RV insurance if your existing auto insurance doesn’t cover it. Alternatively, you can purchase coverage through your auto insurance provider or a third-party insurance provider. In many cases, you can choose your level of coverage, and the cost may be included in the daily rental fee for added convenience. This eliminates the need for multiple payments.

Because RVs are larger, more challenging to maneuver, and generally more hazardous than typical cars, rental RV insurance tends to cost more. However, the added protection is often worth the investment. Rental RV insurance typically covers liability, collision damage, and personal injury protection, provided the accident was unintentional and the driver was authorized. Note that personal possessions inside the RV are not covered by rental RV insurance; they may be protected under your homeowner’s insurance policy.

Contact Laine Insurance in Colorado

If you’re in Colorado and believe rental RV insurance is a good option for you, contact Laine Insurance. We’re here to help you find the coverage you need for a worry-free adventure.