Looking for insurance coverage of TV if I rent it out
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โMay-26-2015 10:26 AM
Hello. In the past I have rented out RVs that I have owned. Worked well for me. I am now looking to rent out my trailer and pickup (F350 dually).
The trailer insurance coverage is taken care. But the provider does not cover tow vehicles.
Do you know of an insurance provider that offers coverage of privately owned vehicles that are rented out?
This is an extra truck and trailer that I have so therefore not my daily driver or vacation trailer. I know that Uber and RelayRide offer coverage for private parties to rent out their own vehicles for a fee.
The trailer insurance coverage is taken care. But the provider does not cover tow vehicles.
Do you know of an insurance provider that offers coverage of privately owned vehicles that are rented out?
This is an extra truck and trailer that I have so therefore not my daily driver or vacation trailer. I know that Uber and RelayRide offer coverage for private parties to rent out their own vehicles for a fee.
2008 Georgetown DS350 Class A
Wife, kids, dog and cat
Wife, kids, dog and cat
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Tow Vehicles
6 REPLIES 6
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โMay-28-2015 04:20 PM
I'd think it would be easier to sell your extra truck and trailer than to insure it and rent it out.
2016 Ford F-350 Super Duty CC PSD SRW 4x4
2018 Jayco Eagle HT 29.5BHOK
2018 Jayco Eagle HT 29.5BHOK
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โMay-28-2015 04:35 AM
You will need a commercial policy that covers ALL drivers on rented/owned vehicles. It will need to be endorsed for the purpose of rental use. In FL, you're require to carry higher levels of accident/medical/damage coverages. The policy will cost you twice as much as a normal consumer policy, especially because of the GVWR of the subject truck. Unless you rent it out several times a year, you likely will not recoup the cost of insurance and maintanence.
SAVED BY GRACE, THROUGH FAITH*
1998 Coachmen Catalina Lite 248TB
TV: 1996 F350 Crew Cab 4x4 7.3L Diesel (a man's truck)
*signature amended so that religious components aren't included (per "Admin")...hooray, now nobody will be offended by my personal beliefs
1998 Coachmen Catalina Lite 248TB
TV: 1996 F350 Crew Cab 4x4 7.3L Diesel (a man's truck)
*signature amended so that religious components aren't included (per "Admin")...hooray, now nobody will be offended by my personal beliefs
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โMay-27-2015 08:53 AM
Check with an Independent Insurance Agent. Maybe Progressive will do it. I'm sure there is a high risk company that will.
Might also look into a non-owner policy. Most of these will be at least 50% more than what a standard policy is.
Sure isn't something I would consider. Good luck.
Might also look into a non-owner policy. Most of these will be at least 50% more than what a standard policy is.
Sure isn't something I would consider. Good luck.
2012 RAM 3500 Laramie Longhorn DRW CC 4x4 Max Tow, Cummins HO, 60 gallon RDS aux fuel tank, Reese 18k Elite hitch
2003 Dodge Ram 3500 QC SB 4x4 Cummins HO NV5600 with Smarty JR, Jacobs EB (sold)
2002 Gulf Stream Sea Hawk 29FRB with Honda EV6010
2003 Dodge Ram 3500 QC SB 4x4 Cummins HO NV5600 with Smarty JR, Jacobs EB (sold)
2002 Gulf Stream Sea Hawk 29FRB with Honda EV6010
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โMay-27-2015 07:22 AM
APT wrote:
My auto insurance policy covers anyone I have let drive my vehicles. I specifically asked about it when I leased a car in my name/insurance for my mother in law to mainly drive.
That said, there is no way I'd rent out my RV or TT. The risk of damage costs far exceeds my threshold for newbies to borrow or rent.
That is different than a for profit transaction. Some regular auto polices even go as far as excluding if you deliver papers with them. I cannot remember who it was but they wanted a commercial policy to cover that.
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โMay-27-2015 07:08 AM
My auto insurance policy covers anyone I have let drive my vehicles. I specifically asked about it when I leased a car in my name/insurance for my mother in law to mainly drive.
That said, there is no way I'd rent out my RV or TT. The risk of damage costs far exceeds my threshold for newbies to borrow or rent.
That said, there is no way I'd rent out my RV or TT. The risk of damage costs far exceeds my threshold for newbies to borrow or rent.
A & A parents of DD 2005, DS1 2007, DS2 2009
2011 Suburban 2500 6.0L 3.73 pulling 2011 Heartland North Trail 28BRS
2017 Subaru Outback 3.6R
2x 2023 Chevrolet Bolt EUV (Gray and Black Twins)
2011 Suburban 2500 6.0L 3.73 pulling 2011 Heartland North Trail 28BRS
2017 Subaru Outback 3.6R
2x 2023 Chevrolet Bolt EUV (Gray and Black Twins)
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โMay-27-2015 05:13 AM
Must be nice to have an "extra" truck and trailer laying around.....