Does My Auto Policy Cover Rental Vehicles?

Does My Auto Policy Cover Rental Vehicles?

Does My Auto Policy Cover Rental Vehicles?

Here’s what you should know about insurance before renting a vehicle:

  • Most types of temporary rental vehicles are covered under the Farmers® personal auto policy.
  • Your policy, however, only applies to accidents occurring within the United States, its territories, Puerto Rico and Canada.
  • Recreational vehicles require specific coverage on your Farmers policy. 
  • Trucks and vans, including moving vans and vans where the cab is separate from the cargo area, are excluded from coverage. 


Q: I’m never sure if I should buy a rental car company’s insurance.  Am I already covered by my own auto insurance policy?


Jeremy Schlueter, a Farmers Insurance® agent in Brecksville, Ohio, gets this question all the time. Here’s what he tells his customers.

A: The following information relates to Farmers auto policies — policies issued by other insurance carriers may have different coverages, and you should check your policy terms. Farmers auto policies cover most types of rental vehicles, including passenger cars, pickup trucks and SUVs. You’ll get the same amount and types of coverage provided by your personal policy. 

Your Farmers coverage extends to accidents occurring within the United States, its territories, Puerto Rico and Canada. If you’re traveling outside of these areas, check with your agent about your coverage options. 

If you’re going to rent a recreational vehicle (RV), you’ll need special RV coverage for the rental period. While we can easily add RV coverage, it’s not included in your standard policy. All it takes is a phone call to your agent — but be sure to make that call before you embark.

Keep in mind that moving trucks are not covered under personal auto policies. Companies that rent moving trucks usually offer special insurance coverage to their customers.

Find a Farmers® agent to answer your Auto Insurance policy questions

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Includes personal service from a Farmers agent.


Written by

Dawn Johnson

 

The information contained in this page is provided for general informational purposes only. The information is provided by Farmers® and while we endeavor to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to this article or the information, products, services or related graphics, if any, contained in this article for any purpose. The information is not meant as professional or expert advice, and any reliance you place on such information is therefore strictly at your own risk.


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