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What are Outdoorsy’s insurance protection packages?

We get that renting an RV can be both an exciting and scary decision — that’s why we go above and beyond to give you maximum peace of mind when you book an RV on Outdoorsy’s platform.

From our $500,000 liability policy to our comprehensive collision coverage, we’ve revolutionized insurance options to keep you covered when you rent with Outdoorsy.

Will my personal insurance cover me during the rental period?

Generally, no. We offer industry-leading insurance for the rental period in part because your personal insurance will almost never cover you for an RV rental.

Also, your personal insurance probably doesn’t allow you to rent your RV out on Outdoorsy. If they learn that you are renting they might deny your claims or even drop your coverage entirely. To ensure you have the right coverage, we’ve partnered with Roamly Insurance. Roamly’s policies uniquely allow renting on Outdoorsy and can be up to 25% less expensive than your current policy. Visit Roamly to get a free RV insurance quote.

Who provides Outdoorsy’s insurance?

Our liability insurance is provided by Assurant*, one of the largest insurance providers in the world.

For any damage to the RV, Outdoorsy provides direct coverage backed by Lloyd’s of London.

When does Outdoorsy’s insurance begin and end?

Outdoorsy offers episodic insurance, meaning that coverage lasts for the duration of the rental period you booked the RV for. 

Coverage goes into force when you take the keys and ends when you hand the keys back at the end of the rental period or drop the vehicle and keys off at an agreed location.

What are Outdoorsy’s insurance protection packages?

We offer three different levels of insurance so you can choose the most suitable level of protection for your rented RV. No matter which of the three insurance packages you choose, Outdoorsy offers up to $500,000 in liability coverage and up to $300,000 in comprehensive and collision coverage

Roadside Assistance is also offered on all purchased Outdoorsy Protection Packages as a courtesy to you.

NOTE: The following applies to any booking created after August 31st, 2022. As the renter, you would be responsible for the full deductible should an accident occur. The deductible amount depends on the package you select (see below): 

Essential

  • 24/7 Customer Support
  • Liability Coverage: State Minimum
  • Comprehensive & Collision Coverage: Up to $300,000
  • Roadside Assistance
  • Windshield Repair Coverage
  • Deductible: $1,500.00

Preferred

  • 24/7 Customer Support
  • Liability Coverage: State Minimum
  • Comprehensive & Collision Coverage: Up to $300,000
  • Roadside Assistance
  • Windshield Repair Coverage
  • Concierge Services
  • Mobile Mechanic Services
  • Deductible: $1,000.00

Peace of Mind

  • 24/7 Customer Support
  • Liability Coverage: Up to $500,000
  • Comprehensive & Collision Coverage: Up to $300,000
  • Roadside Assistance
  • Windshield Repair Coverage
  • Concierge Services
  • Mobile Mechanic Services
  • RV Technical Assistance Hotline
  • Accident Interruption
  • Deductible: $500.00

What insurance options do I have if I have the RV delivered to my campsite?

In this case, you’d want to choose our stationary delivery insurance because it’ll save you money. Here’s what that looks like: 

Stationary Delivery

  • 24/7 Customer Support
  • Liability Coverage: State Minimum
  • Comprehensive & Collision Coverage: Up to $300,000
  • Windshield Repair Coverage
  • Deductible: $500.00
  • Note: Moving a stationary-only vehicle during the rental voids coverage

What additional coverages are available?

You can add these additional coverages when you rent an RV with us:

Interior coverage offers extra peace of mind for damages like broken appliances, damaged interior doors, and stained bedding or linens. 

Trip protection can reimburse you if a covered situation (e.g. medical event or natural disaster) stops your trip before it starts.

*Assurant is a partner for liability insurance only.