Do You Need RV Insurance for a Rental or Borrowed RV?

Renting a recreational vehicle (RV) without adequate coverage can expose you to unexpected costs, as personal auto insurance and rental company policies may have limitations. Global Insurance and Tax Services can help Florida drivers find coverage for their travel needs.

Understanding Coverage for Rental RVs

Rental companies may include basic liability coverage, but it may not be enough if an accident results in significant damage or injuries. Your personal auto policy may not fill the gap, as many policies exclude large motorhomes and towable RVs. Before signing a rental agreement, review your existing coverage and consider whether you need additional RV insurance. Common gaps can include:

• Collision damage to the rental RV
• Damage caused by fires, theft, vandalism and severe weather
• Liability limits that may be too low for a serious accident
• Coverage for personal belongings inside the RV
• Roadside assistance and trip interruption expenses

Borrowing an RV From a Friend or Family Member

If you are borrowing an RV, the primary insurance typically follows the vehicle, meaning the owner’s policy may cover you as a permissive driver. However, policy limits can vary, and if an accident exceeds those limits, you could be personally responsible for the difference.

Confirm the following before you head out:

• Policy limits: Does the owner’s policy provide enough liability coverage?
• Usage restrictions: Are there exclusions for drivers not listed on the policy?
• Comprehensive and collision coverage: Is the vehicle covered for theft, weather damage or accidental impact while in your care?

We Support Your Florida Road Trip

Contact Global Insurance and Tax Services today to discuss your coverage needs or get a free custom quote before beginning your RV trip.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.