Renting my rv

been there ,I rented out a winnie years back ,its more headaches than its worth. my friend this is not a good idea.

rkilgore1950 wrote:
I am interested in renting out my Itasca Navion rv, but can't find insurance coverage. Are there any websites or companies that assist in this?

Guess that tells you someting

This topic pops up occasionally. Put me on the side that says a definitive "NO". It is very easy to cause tends of thousands of dollars of RV damage. Just parking on a steep hill overnight with the refrigerator on can result in the costs of a new fridge.

I don't know any insurance that would cover this, and if they did, it might not help when a renter drives under a low tree, puncturing the fiberglass roof, then you find major rot damage about a year later.

Yeah, I too am on the no side. Now..if you were buying a fleet of RVs, then that is a whole different ball game, but one? I am guessing you'd like to find a way to help pay the monthly or at least help to recover your costs. Renting out your own personal RV is a recipe for trouble. Most of us won't even lend. The costs associated with keeping an RV in good condition just goes thru the skylight when 'other' users get factored in.


Gary Haupt

Most outfits that rent out RV's make the RENTER provide coverage. Most renters do this through their own existing insurance company- that's what I did when I rented a Class C back east for a few weeks. If prospective renters can't provide such insurance, that's an excellent heads up to you that they're probably not responsible enough to be trusted with your rig.

Surely your own agent can help you with coverage that protects you when you're using the rig, and can advise you as to what kind of coverage you need to require of renters that will fully indemnify you (and your own insurer) against all/any risks.

Not a good ideal to rent your rig out under any circumstances!

If you were an RV business such as a dealer, etc. you would not be having so much trouble finding insurance for this, but as an individual who wants to do this you are not only going to run into problems finding an insurance company that will cover this but some states also do not permit it on a personal registration. While it looks like a way to make some money don't do it. Even many dealerships do not get involved in rentals because of the many pitfalls.

The rig will need to have it's own primary insurance even if the renter has coverage from their own agent/policies. Not many companies will provide coverage for an RV that is rented and the policies will specifically exclude coverage if rented. You would have to establish a business (maybe an LLC would work) and then title the RV in the name of the business (relieves you of personal liability). You then should seek out an insurance broker to obtain coverage for your business. Your business operation-- RV rental company.

Of course, there is the fact that a renter can claim to have insurance, and then destroy the RV... then you have to sue him. Having seen similar behavior in real estate where a tenant destroyed a renthouse, but had no assets to make a lawsuit worth the time and cost.

Yes, it is doable. No, the time, trouble, and the effort needed to have lawyers write up the mountains of paperwork needed to CYA and protect your rig wouldn't be worth it. Cruise America is able to do this because they have vehicles specially built and have heavy buying power... as well as very well written rental agreements.

mlts22 wrote:
Of course, there is the fact that a renter can claim to have insurance, and then destroy the RV... then you have to sue him

That ain't the way it works with rentals- the owner gets the guarantee-of-coverage (sometimes called a "rider") directly from the renter's insurance company before the rig leaves the lot.

No rider, no rig. It really is that simple!