njarnold
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Re: Finding RV insurance that allows short-term rental (AirBnB)
dedmiston wrote: Hello njarnold, Welcome to the forum. Sorry to see that some of the responses to your first post have been disagreeable and unresponsive. Folks - Please chime in if you have useful info about the insurance question. Otherwise, please keep your comments civil or just keep them to yourselves. Happy Camping, Dave - Administrator Thank you, Dave, and I do appreciate those who have provided some helpful information or even cautions of things to be careful of. I realize we're new to this and lot's to learn, but we're trying and doing the best we can!2KViews0likes0CommentsRe: Finding RV insurance that allows short-term rental (AirBnB)
valhalla360 wrote: There's a reason commercial insurance is higher...plain and simple, renters are hard on equipement. Right... no problem with a commercial insurance option (as I said earlier) and just to clarify--this has nothing to do insurance for renter damage--we're simply looking at carrier options for commercial liability and comprehensive that would also allow for short-term rentals. way2roll wrote: If you want a motorhome that badly, take the 10-20% you were going to use as a down payment and find an older well cared for unit. Yup--that's exactly what we're doing and doing some basic remods to make more rental friendly (and lower maintenance) so our investment will be much lower than a new unit. From folks I've talked to, stationary camper rentals seem to have much better experience with less damage than renting for driving etc. Anyhoo... ;-) appreciate all the additional advice... but still open to any actual leads or recommendations on insurance carriers. I do appreciate the earlier recommendation for MBA and did contact them--they do cover stationary rentals and some possibility there though a little clunky from the UI end and how that interfaces with AirBnB (which is what we'd prefer to use). Thanks for any additional carrier options to pursue or brokers who might be experienced in this area.2KViews0likes0CommentsRe: Finding RV insurance that allows short-term rental (AirBnB)
Oh we’re no less passionate about RV'ing--we will be using it for family travel (for a couple months during summer) and hoping to make memories with our kids but the AirBnB option is what will ALLOW us to get an RV financially instead of waiting 15 years until our kids are all grown up (several of the trailer folks who we’ve spoken with and are renting have paid off their RV’s in the first several years). So anyway, we’re well aware of the hassles and issues that are involved but going in with eyes open knowing we’ll face those. Appreciate the helpful comments and open to any other leads for insurance carriers or brokers for the short-term rental coverage. On a side note, I did check with MBA (and they can do it) but again, they’re more designed for renting the RV for actual driving and not stationary also really set up for AirBnB platform). Thanks again and any additional help is appreciated.2KViews0likes0CommentsRe: Finding RV insurance that allows short-term rental (AirBnB)
We're well aware of what comes with AirBnB rentals and planning to retrofit and allow for maintenance as needed and far less risk with stationary rental (if we can find an insurance solution). My wife and I have stayed in several TT AirBnB's and their owners have had a great experience--the challenge we're having insurance wise if for renting a stationary Rv.2KViews0likes0CommentsFinding RV insurance that allows short-term rental (AirBnB)
We are looking into insurance options for a Class A that we'll be using as a stationary rental (we're in a highly lucrative spot for AirBnB). It will be parked as rental most of the year, but occasionally, we'll be driving the RV for summer trips etc. Here's the breakdown of what we've found so far: We can find RV insurance that will cover the RV while we are personally using it, but as SOON as we have short-term renters in it (even stationary renters) most carriers remove all liability coverage (if a renter should happen to get hurt) and all comprehensive coverage (if a tree should happen to fall on the unit, wind/hail etc). We could choose to rent using ONLY RV rental sites (Outdoorsy / RVshare / RVezy), and those sites solve this insurance problem by having each renter purchase their own RV insurance policy just for the rental period but... it's really expensive because the sites don't distinguish between stationary rentals and renting out the entire RV (for driving across the US etc). So bottom line question: is there a stand-alone RV insurance (any including commercial) that allows short-term rental. That would enable us to use the actual AirBnB platform rather than just RV-sharing sites. I'd also appreciate recommendations for any insurance brokers or agencies who specialize in RV insurance even if it's just to get advice or various options. Thanks in advance!3.9KViews0likes15Comments
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