Rent My Utah RV Recreational Vehicle

Getting Temporary Insurance for an RV

Here at Rent My Utah RV, we do NOT provide insurance for your road trip. We require you to get an insurance binder before renting out our RV. This is not an uncommon practice and protects both you and us. Below is an article that had some interesting information.

Road trip! Auto insurance for RVs
By – Last updated: Oct. 8, 2015

Want to get away from it all and still have the comforts of home? That’s the goal of millions of Americans who take their vacations in motor homes, also known as recreational vehicles or RVs. Before you hit the open road, however, it’s a good idea to check the insurance coverage for your RV.

“Most insurance companies have restrictions on how they cover motor homes,” says Bert Alanko, chairman of the Recreational Vehicle Renters Association (RVRA) and owner of Phoenix-based MBA Insurance, a premier RV-rental insurance agency.

Insurers treat RVs differently than passenger cars or SUVs. The cost of RVs and the potential for extensive physical damage in an accident mean the ordinary coverage minimums that apply to passenger cars are too low. Additionally, because many RVs are driven by people who aren’t accustomed to the extra size and length, insurers believe there is a greater risk for accidents.

Many car insurance companies offer RV-specific insurance policies to cover your vehicle, its contents and the perils that are specific to motor homes.

Some insurers will issue a certificate of insurance that applies to a motor home. In other cases, if you have rental car coverage as part of your insurance package, it will apply to a recreational vehicle, but only if your physical damage limits are increased. If your insurer will sell you coverage with higher limits, that might be your first choice. If not, you’ll have to find an independent agent who can write policies in the “specialty market.”

RV insurance misconceptions

Some people believe that the personal property in their RV will be covered under their home insurance policy. While this is true up to a point, home insurance coverage is limited when the property is kept somewhere other than the “residence premises,” such as your personal car or your RV. Your car and homeowners policies may not cover such items as appliances, plumbing or accessories. Without proper RV insurance, paying for damage could come out of your own pocket.

RV insurance combines the protections offered by both home and auto insurance policies. That includes coverage for losses due to fire, smoke, theft, vandalism, landslides, hail, windstorms and collision. It also provides coverage for your personal property, emergency-expense coverage such as lodging and campsite/vacation liability coverage — which protects you if you use your motor home as a residence. It should also cover awnings, satellite dishes and other attached accessories. Additional coverage can be obtained if your RV is used as a semi-permanent residence for most of the year.

As with standard home and auto policies, RV policies renew each year. A car insurance quote for an RV is based on the type, size, and age of your motor home, where you live, how much you drive and your driving record. Premiums are also based on your age and gender, address at which the vehicle is principally garaged and your driving record. Many  offer discounts for maintaining a good driving record or buying multiple policies with the same insurer. You can reduce your RV insurance premium by increasing your deductible.

Auto insurance for a rented RV

If you are renting an RV, you’ll need to make sure you have adequate insurance. RV rental companies offer insurance, but it might not be the best deal. Here are some of the things to watch for when renting an RV:

Is the insurance included in the rental price? If not, does the stand-alone price make sense? Depending on your RV model, insurance could cost you $17 per day for a small RV and up to $28 per day or more for a larger model.

What is the deductible amount? Most RV insurance deductibles start at $1,000 and go as high as $5,000. How much are you willing to pay out of pocket if you have to make a claim?

Is the liability coverage adequate? Most states require motorists to carry liability insurance. Make sure your policy has adequate coverage for collision and comprehensive, too.

Is the dealer’s policy primary or secondary?  “If you are involved in an at-fault accident, a primary policy pays claims to the policy limits,” Alanko says. “If the dealer is covered by a secondary policy then your personal auto policy will be asked to respond first as ‘primary’ coverage, then the dealer’s policy will respond as ‘secondary’ coverage.  That means that the RV rental policy will not respond until your own policy had exhausted its limits.”

Are the liability limits high enough? Remember that a fender-bender in a 27-foot motor home could cost $5,000, compared to $400 or $500 for a similar accident in your sedan!

Are you covered for towing? Half the fun of an RV vacation is traveling to remote areas far from fast-food franchises, motels and repair shops. If you have a breakdown 60 miles from the nearest mechanic, the bill for an oversize wrecker to come get you could be pretty high. Most RV rental policies do not provide towing coverage for breakdowns. Ask your dealer if he has a towing program.

Does the policy exclude drivers under age 25? Some policies include a flat-out exclusion. Others give the dealer leeway in determining whether a younger driver is mature enough to handle the vehicle. If your policy excludes a younger driver, an accident that occurs while the excluded driver is behind the wheel won’t be covered.

Are you covered for medical expenses if someone is injured? Check the medical payment and personal injury provisions of the policy. Some rental policies exclude medical payments and personal injury protection (PIP) coverage.  Some exclude uninsured motorist coverage.

Traveling to Yellowstone

Driving to Yellowstone is just as much fun as getting there! Download our Yellowstone Park map and check our road trip itinerary collection for your perfect vacation. You can choose from many different routes that make the trip almost as exciting as the adventures you’ll have when you arrive.

Best Road Trips to Yellowstone

Top road trips to Yellowstone

From North: Glacier National Park to Yellowstone
From West: Boise Idaho to Yellowstone
From South: Salt Lake City Utah to Yellowstone
From Southeast: Denver Colorado to Yellowstone
From East: Dakota Black Hills and Badlands to Yellowstone

Surrounding Yellowstone National Park are wonderful cities, towns, and regions to explore, spend the night, or find a great meal. Here are our suggestions for places to visit during your Yellowstone vacation.

Rocky Mountain NP Cub Lake by Ben Fullerton

Colorado – Stops on the Way to Yellowstone

On the south border of Wyoming is Colorado with all of its Rocky Mountain activities and charming cities big and small. Read More…


Idaho – Stops on the Way to Yellowstone

Just west of Yellowstone, Eastern Idaho is known for its wide open vistas, friendly communities, and the fertile soil that is home to the famous Idaho potato. The region offers year-round and off-the-beaten path activities for outdoor enthusiasts and families. Read More…


Montana – Stops on the Way to Yellowstone

With rolling hills and breathtaking trails Montana is a must-visit region of adventure. If you had a more relaxed vacation in mind, don’t worry because Montana also offers everything from Golf to local eateries. Read More…

Wild Horses in Theodore Roosevelt National Park

North Dakota – Stops on the Way to Yellowstone

Experience Badlands history and culture in Medora and Theodore Roosevelt National Park. Read More…


South Dakota – Stops on the Way to Yellowstone

Wild West heritage, hot springs, geologic wonders, and presidential history await. Read More…


Utah – Stops on the Way to Yellowstone

From Salt Lake City to Arches National Park, Utah has everything to offer. Utah is known for its vibrant performing art scene and dramatic natural beauty. Read More…

Schwabacher's Landing in Grand Teton National Park

Wyoming – Stops on the Way to Yellowstone

Find adventure, explore culture, and delve into regional history in Wyoming. Read More…

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