Do You Need RV Rental Insurance?
RV rental insurance works differently than car rentals. Here’s everything you need to know and how much it costs.
Is RV rental insurance necessary? Yes, to drive an RV legally, you need liability coverage and your rental must have physical damage coverage in place before pick-up.
Unlike rental cars, your car insurance and credit card will probably not cover your RV rental insurance. Get coverage by selecting an insurance option during checkout, or use a verified third-party policy that lists your exact dates and vehicle.
Blacksford shows insurance options inside your reservation quote after you choose your RV and dates, and again on the Insurance step before payment. You’ll see the coverage limits, deductible, and per-day price for your exact RV and travel dates.
What RV Rental Insurance Includes
Most insurance packages include liability for injuries or property damage to others, and physical damage protection for the rented RV caused by covered collisions or non-collision events such as theft, vandalism, or weather.
Physical damage coverage applies to the rented RV's structure and systems. This includes body panels, cabinetry, plumbing, electrical, and factory equipment such as generators and slide-outs, subject to policy terms.
Personal property like cameras, clothing, and laptops is not covered unless you add separate protection.
Coverage terms vary by vehicle and state, and final limits appear in the policy you review at checkout.
Does My Insurance Cover an RV Rental?
Not always. Some auto policies extend to rented motorhomes or towed trailers, while others exclude RVs by size, weight, or vehicle class.
If you’re towing a trailer, your car or truck’s liability coverage may apply, but collision and comprehensive coverage for the trailer itself often doesn't transfer.
Call your insurer with the RV class and dates, and ask for written confirmation.
Does My Credit Card Cover an RV Rental?
Usually not. Most credit card rental benefits exclude RVs and towables. Check your card’s benefits guide and look specifically for the words motorhome or trailer.
If you don’t see them, assume they’re not covered and select an insurance option from your rental company.
How Much Does RV Rental Insurance Cost?
Most RV rental companies charge around $15 to $60 per day for protection, depending on your RV class, coverage level, state, and trip details.
If you want to add supplemental liability coverage, it typically runs $10-$30 per day.
With Blacksford and other companies, your exact price appears in reservation quote once you choose an RV and dates, so there are no surprises.
For a complete breakdown of RV rental costs beyond insurance, check out: How Much Does It Cost to Rent an RV?
Do I Need Roadside Assistance? I Have AAA
Most basic AAA plans only cover passenger vehicles, not the added weight and size of an RV. You’d need an upgraded plan like AAA Plus RV or Premier RV for services like towing and tire changes on a rented motorhome.
Many RV rental companies, like Blacksford, include basic roadside coverage in their protection packages, so check what’s already included before paying for extra coverage elsewhere.
Blacksford Protection Packages
Blacksford RV Rentals offers three protection packages, each with a typical $1,500 deductible. Package details and pricing appear in your quote and at checkout.
Basic Package
State-minimum liability, physical damage protection per plan terms, 24/7 support, and roadside assistance (required) at $14/day.
Essential Package
Everything in Basic, plus complimentary roadside assistance included at no additional charge.
Premium “Peace of Mind” Package
Higher liability limit, physical damage protection per plan terms, windshield protection, and trip-interruption benefits, with 24/7 support and concierge assistance.
Optional Add-On
Interior Damage Protection: One-time $69 charge that helps protect your security deposit by covering accidental interior damage to eligible items up to $1,500, per policy terms.
Note on physical damage coverage: Physical damage coverage pays for covered repairs to the specific rented RV, subject to deductibles and policy terms.
The effective cap aligns with the RV’s value and the plan’s stated limits. Review the policy language shown during booking for exact limits and exclusions.
What Isn’t Covered
Common exclusions include Burning Man, driving to Mexico, technical off-road routes, deep sand, primitive or unsigned roads, and any use that violates the rental agreement.
Planning scenic backroads or high-clearance detours from locations like Bozeman, Las Vegas, or Phoenix? Ask our team to review your route at booking so we can confirm road types are allowed under your policy.
Quick Insurance Comparison Checklist
Liability Limit: Confirm the per-occurrence maximum
Physical Damage: Know your deductible and how claims are assessed
Windshield and Glass: Check if dedicated protection applies
Roadside Assistance: Verify towing mile limits and what is included
Security Deposit: Understand the hold amount and release timing
Claims Process: Confirm how to file and typical timelines
RV Pick-Up Checklist
Bring your driver’s license for each approved driver and written proof if you are using your own policy
Walk around the RV and photograph exterior panels, roof line where visible from the ground, interior, and accessories
Note existing wear on the departure form
Ask about rules for fuel, propane, and return-time before you leave
Get RV Insurance Before You Rent
You must have RV rental insurance in place before your trip. For most travelers, selecting a Blacksford package at checkout is the easiest way to meet legal requirements and protect your trip.
If you plan to rely on a personal auto policy, get written confirmation that it covers your specific RV class and dates, then upload proof during booking.