Motorhome Rental Insurance Requirements

Rental of an motorhome is a popular option for many people. The motorhome rental insurance requirements vary from State to State, but have some common features.

In some cases, your own private automobile insurance policy can be extended to cover motorhome rentals. It is necessary to check with your agent to see exactly how much coverage can be added and what the cost would be to include the motorhome on your basic policy for the duration of the rental period. If this is practical, a rider is added to your insurance contract that covers you for damage to the motorhome and for liability. This should be the first step in the rental process, but it is wise to get your personal insurance information together and then compare it to the insurance offered through the motorhome rental company.

The MBA motorhome Rental Insurance Company offers motorhome insurance and is available through over 19,000 different motorhome rental agencies nationwide. It is very likely that this insurance which runs between $15 and $25 dollars a day depending on the size of the motorhome will be more comprehensive and less expensive than a rider on your personal insurance. However, you will not know this until you have gathered the figures and done a comparison. You will also need liability coverage which runs about $10 a day and covers you for up to one million dollars.

You will need to have a driver’s license, of course, and the minimum age requirement varies from State to State. Insurance is always a good idea and liability insurance is also the law in most areas. It is not a very wise decision to risk doing without full coverage collision insurance when renting an motorhome. Regardless of your driving skills, accidents can happen easily in an motorhome. They do not necessarily need to be your fault. The motorhome has vastly different driving characteristics than your automobile and minor accidents when parking or backing up are not uncommon among renters.

It is also important to remember that motorhome rental insurance does not cover damage to the interior of the motorhome unless the damage is caused by the result of a driving accident. It is important to take extra care of the appliances and interior of the motorhome to avoid extra damage or clean up charges when the motorhome is turned in at the end of the rental period. You will be able to make a complete inspection of the motorhome before the rental begins and you should make sure that any preexisting damage is noted before the motorhome is accepted.

The motorhome rental requirements are not overly restrictive and the cost is not excessive when the value of the motorhome is considered. No one anticipates an accident when renting an motorhome, but insurance coverage is a loss prevention safety net that will keep your dream vacation from turning into a nightmare.

By Adrien White

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