The Ultimate RV Rental Insurance Guide

How Tos & Tips

One of the first things a person must consider when renting an RV is RV rental insurance. Temporary RV insurance insurance can be a bit confusing and overwhelming, and unfortunately, not getting sufficient coverage is something that can backfire terribly in the long run.

The good news? You’ve come to the right place. RVshare RV rental insurance is top notch and you’ll find everything you need to know about our coverage below. 

RVshare RV Rental Insurance 

Each and every RVshare RV rental is required to secure RVshare Insurance and Protection in case anything accidental happens while you’re on your trip.This includes trips where the RV might be delivered or stationary for the duration of the trip. 

After all, even if the RV is delivered or stationary, damages may still occur like fire, acts of nature like storms and falling trees, etc. The RV rental insurance policy protects renters from the smallest of hiccups to unexpected acts of god such as a flood, earthquake, animal impacts, and more. 

The Essential Package of insurance and protection will be automatically included in the quote when booking an RV that is covered by RVshare Protection Plan. Renters will have the flexibility to choose a different package at the time of booking.

The RVshare Protection Plan Packages for motorhome and travel trailer rentals includes:

  • Up to $300,000 in comprehensive and collision coverage based on the value of the RV
  • Free 24/7 roadside assistance and free towing and tire service
  • State statutory limits of liability
  • For delivered RVs, coverage for accidental damages after delivery. 
  • Up to $1M in owner liability insurance coverage
  • Campsite liability coverage options up to $50,000 

Renters are covered in all 50 states and Canada (but not Mexico) and both renters and owners will be issued proof of coverage on a per rental basis. In some cases, an owner may have their own commercial insurance. You are still required to complete the ID verification steps for the safety of the marketplace. 

The Most Complete Coverage on the Market

With RVshare Protection Plan you’re covered not only for comprehensive and collision, but also for Acts of God. Additionally, up to $1,500 of interior coverage is included, so every part of the RV is protected. 

Coverage for The RVshare Protection Plan Packages include the following:

  • Fire, lightning or explosion
  • Theft or larceny
  • Windstorm, hail or earthquake
  • Flood
  • Mischief or vandalism
  • Snow or ice
  • Contact with bird or animal
  • Falling objects
  • Glass breakage (not included with Basic plan)
  • Collision with another object or overturn
  • Broken appliances and electronics
  • Damaged interior doors, cabinets, walls
  • Furniture
  • Bathroom and kitchen fixtures
  • Window treatments
  • Stained bedding or linens
  • Lost keys, and the cost of rekeying

24/7 Emergency Roadside Assistance

Need help on the road? RVshare has you covered. In addition to the best RV rental insurance available, every single RV rental booked through RVshare receives 24/7 Emergency Roadside Assistance. This means you’ll be provided fast and free towing to the closest qualified service station, and even free tire service, for any repairs you may need on the road.

Beyond access to RVshare’s nationwide 24/7 RV Roadside Assistance call center, where RV experts are standing by to help walk you through any incident and have access to a nationwide network of curated RV service providers, you also receive the following services:

Towing Services

Towing to the nearest qualified location with assurance that the dispatched truck is capable of towing your RV.

Tire Service

Tire replacement with an inflated spare, or re-inflation of a flat tire, no matter where you are in the country.

Emergency Supply Delivery

Delivery of emergency supplies such as gasoline, water, oil or other necessary supplies.

Battery Service

Battery charging and minor battery repairs while on the road.

Lockout Service

Dispatch of a locksmith in event of a lock-out.

Extraction and Winching Service

Recovery of RVs that are stuck or have gone off road.

RV Technical Assistance Services

Hotline is staffed by certified RV Technicians to easily guide you through common RV questions or issues.

RV Mobile Mechanic Assistance

Highly skilled mechanics come to you to repair issues that render the vehicle unusable or unsafe.

The Vetting Process

In order to ensure the safety, integrity and trust for both renters and owners, all users and vehicles on the marketplace will undergo a vetting process. DigiSure, RVshare’s trusted partner, manages the vetting across renters, owners and RVs.

Here are some examples of the things that are reviewed during the vetting:

  • ID verification 
  • Criminal background checks 
  • Global watch list
  • Legitimate drivers license 
  • At least 25 years or older 
  • Good driving history 
  • Age of vehicle 
  • Major recalls

The majority of the time, this review is instant and users will immediately know if they are approved. In some cases, additional information is required and must be provided directly to DigiSure. In other cases, it’s possible that a user or RV is declined and will be unable to proceed on RVshare. This includes owners who have commercial coverage as a separate policy on their RV.

RV Rental Insurance Cost

Besides the never-ending options of RVs for rent, RVshare is known for having fair and transparent prices. Fees are per day and automatically included in your rate.

Insurance and protection pricing is based on but not limited to factors such as age, type, length, stated value of the RV, and whether you’re renting a motorized or non-motorized RV. For RVs that are older than 20 years of age, RVshare offers liability only insurance coverage.

You’ll also need to understand limits and deductibles. Make sure the policy is high enough – even a small fender bender in a motorhome can cost thousands of dollars to repair! Based on all of the above factors, temporary RV rental insurance rates are typically anywhere from $15 to $30 per day.

Insurance for Renting Out Your RV

Clearly, if you’re a renter, using RVshare’s insurance protection beats all other RV rental insurance binder options available. But what if you’re an RV owner and you want to know, “Should I rent out my RV?” The good news is that RVshare’s insurance option is perfect for you too.

Owners can create a profile and list their RVs free of charge to start letting their RV pay for itself as soon as possible. It’s quick, painless, and owners are in complete control of who they rent to, when they rent, and how much to charge.

When you do list your RV and activate the free insurance offered to owners, you’re automatically approved for $500,000 in liability coverage with the possibility of upgrading to $1,000,000! Owners are also automatically covered for comprehensive and collision coverage for the full value of their RV (up to $300k). For delivered RVs, coverage is included for accidental damages after delivery.

If your RV is 15 years old or newer, you will be automatically approved whether you’re renting out a trailer or a motorhome. There are absolutely zero fees, and your deductible is $1,500 payable from your security deposit.

Your RV insurance is one of the most important things you’ll purchase before your RV adventures. Research your options well and make sure you’re covering yourself completely. Even if you never use your insurance at all, the peace of mind it will provide while you enjoy your travels is worth every penny you pay.

*All RVshare Protection Plans include insurance under a third-party automobile liability insurance policy issued to RVshare through Crum & Forster, a 200 year-old, insurance group that provides market-leading property insurance and protection solutions (“Crum & Forster”).  The Crum & Forster policy provides secondary (excess) third-party liability coverage.  The policy does not provide coverage for damage to the rented vehicle.  All conditions of coverage, terms, and limitations are defined and provided for in the policy.  RVshare is not an insurance company, and the contract with RVshare under the Protection Plan, which limits your responsibility for physical damage to the rented vehicle, is not insurance.  For questions or information about the third-party liability insurance or your responsibility for damage to the rented vehicle during a trip, contact RVshare’s administrator DigiSure Insurance Solutions, Inc. at (833) 612-1683.