{"id":177698,"date":"2025-05-14T06:58:45","date_gmt":"2025-05-14T06:58:45","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/does-auto-insurance-cover-u-haul-rental\/"},"modified":"2025-05-14T06:58:45","modified_gmt":"2025-05-14T06:58:45","slug":"does-auto-insurance-cover-u-haul-rental","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/does-auto-insurance-cover-u-haul-rental\/","title":{"rendered":"Does auto insurance cover U-Haul rental?"},"content":{"rendered":"<p>When it comes to renting a U-Haul, one of the most common questions that comes up is whether your auto insurance will cover you in case of an accident. The answer to this question can vary depending on your specific auto insurance policy, but in most cases, auto insurance does not cover U-Haul rentals.<\/p>\n<p>Renting a U-Haul truck or trailer is considered a commercial or business use of a vehicle, which is typically not covered by personal auto insurance policies. This means that if you get into an accident while driving a U-Haul rental, your auto insurance may not provide coverage for any damages or injuries that occur. <\/p>\n<p>U-Haul offers its own protection plans, including Safemove, which provides coverage for damage to the rental equipment, cargo protection, and medical and life coverage. It is recommended to purchase one of these protection plans when renting a U-Haul to ensure you are adequately covered in case of an accident.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/does-auto-insurance-cover-u-haul-rental\/#FAQs_about_auto_insurance_and_U-Haul_rentals\" title=\"FAQs about auto insurance and U-Haul rentals\">FAQs about auto insurance and U-Haul rentals<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/does-auto-insurance-cover-u-haul-rental\/#1_Can_I_add_coverage_for_a_U-Haul_rental_to_my_existing_auto_insurance_policy\" title=\"1. Can I add coverage for a U-Haul rental to my existing auto insurance policy?\">1. Can I add coverage for a U-Haul rental to my existing auto insurance policy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/does-auto-insurance-cover-u-haul-rental\/#2_Does_my_credit_card_provide_any_coverage_for_a_U-Haul_rental\" title=\"2. Does my credit card provide any coverage for a U-Haul rental?\">2. Does my credit card provide any coverage for a U-Haul rental?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/does-auto-insurance-cover-u-haul-rental\/#3_Will_my_personal_liability_insurance_cover_me_while_driving_a_U-Haul_rental\" title=\"3. Will my personal liability insurance cover me while driving a U-Haul rental?\">3. Will my personal liability insurance cover me while driving a U-Haul rental?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/does-auto-insurance-cover-u-haul-rental\/#4_What_happens_if_I_dont_purchase_U-Hauls_protection_plan\" title=\"4. What happens if I don&#8217;t purchase U-Haul&#8217;s protection plan?\">4. What happens if I don&#8217;t purchase U-Haul&#8217;s protection plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/does-auto-insurance-cover-u-haul-rental\/#5_Can_I_use_my_companys_commercial_auto_insurance_for_a_U-Haul_rental\" title=\"5. Can I use my company&#8217;s commercial auto insurance for a U-Haul rental?\">5. Can I use my company&#8217;s commercial auto insurance for a U-Haul rental?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/does-auto-insurance-cover-u-haul-rental\/#6_Will_my_rental_car_insurance_cover_a_U-Haul_rental\" title=\"6. Will my rental car insurance cover a U-Haul rental?\">6. Will my rental car insurance cover a U-Haul rental?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/does-auto-insurance-cover-u-haul-rental\/#7_Does_U-Haul_offer_insurance_coverage_for_towing_trailers\" title=\"7. Does U-Haul offer insurance coverage for towing trailers?\">7. Does U-Haul offer insurance coverage for towing trailers?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/does-auto-insurance-cover-u-haul-rental\/#8_Are_there_any_exclusions_or_limitations_to_U-Hauls_protection_plans\" title=\"8. Are there any exclusions or limitations to U-Haul&#8217;s protection plans?\">8. Are there any exclusions or limitations to U-Haul&#8217;s protection plans?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/does-auto-insurance-cover-u-haul-rental\/#9_Is_U-Hauls_protection_plan_mandatory_when_renting_a_vehicle\" title=\"9. Is U-Haul&#8217;s protection plan mandatory when renting a vehicle?\">9. Is U-Haul&#8217;s protection plan mandatory when renting a vehicle?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/does-auto-insurance-cover-u-haul-rental\/#10_Does_U-Haul_offer_insurance_coverage_for_international_rentals\" title=\"10. Does U-Haul offer insurance coverage for international rentals?\">10. Does U-Haul offer insurance coverage for international rentals?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/does-auto-insurance-cover-u-haul-rental\/#11_Can_I_purchase_insurance_coverage_from_a_third-party_provider_for_a_U-Haul_rental\" title=\"11. Can I purchase insurance coverage from a third-party provider for a U-Haul rental?\">11. Can I purchase insurance coverage from a third-party provider for a U-Haul rental?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/does-auto-insurance-cover-u-haul-rental\/#12_Will_my_homeowners_insurance_cover_damage_to_a_U-Haul_rental_truck_parked_on_my_property\" title=\"12. Will my homeowner&#8217;s insurance cover damage to a U-Haul rental truck parked on my property?\">12. Will my homeowner&#8217;s insurance cover damage to a U-Haul rental truck parked on my property?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"FAQs_about_auto_insurance_and_U-Haul_rentals\"><\/span>FAQs about auto insurance and U-Haul rentals<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"1_Can_I_add_coverage_for_a_U-Haul_rental_to_my_existing_auto_insurance_policy\"><\/span>1. Can I add coverage for a U-Haul rental to my existing auto insurance policy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn some cases, you may be able to add coverage for a U-Haul rental to your existing auto insurance policy by purchasing a rider or endorsement. However, not all insurance companies offer this option, so it is best to check with your provider.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Does_my_credit_card_provide_any_coverage_for_a_U-Haul_rental\"><\/span>2. Does my credit card provide any coverage for a U-Haul rental?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nSome credit cards offer rental car insurance that extends to U-Haul rentals, but this coverage is usually limited and may not provide all the protection you need. It is important to check with your credit card company to understand the extent of coverage provided.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Will_my_personal_liability_insurance_cover_me_while_driving_a_U-Haul_rental\"><\/span>3. Will my personal liability insurance cover me while driving a U-Haul rental?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nPersonal liability insurance typically does not extend to U-Haul rentals, as it is considered a commercial use of the vehicle. You may need to purchase additional liability coverage through U-Haul or your auto insurance provider.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_What_happens_if_I_dont_purchase_U-Hauls_protection_plan\"><\/span>4. What happens if I don&#8217;t purchase U-Haul&#8217;s protection plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you choose not to purchase U-Haul&#8217;s protection plan and your auto insurance does not cover U-Haul rentals, you may be personally responsible for any damages or injuries that occur during your rental period.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Can_I_use_my_companys_commercial_auto_insurance_for_a_U-Haul_rental\"><\/span>5. Can I use my company&#8217;s commercial auto insurance for a U-Haul rental?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf your company has commercial auto insurance, it may provide coverage for U-Haul rentals. However, it is important to check the policy terms and conditions to ensure you are adequately covered.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Will_my_rental_car_insurance_cover_a_U-Haul_rental\"><\/span>6. Will my rental car insurance cover a U-Haul rental?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nRental car insurance typically does not cover U-Haul rentals, as they are considered a different type of rental vehicle. It is important to check with your insurance provider to understand what is covered under your rental car insurance policy.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Does_U-Haul_offer_insurance_coverage_for_towing_trailers\"><\/span>7. Does U-Haul offer insurance coverage for towing trailers?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, U-Haul offers protection plans specifically for towing trailers, including coverage for damage to the trailer, cargo protection, and medical and life coverage. It is recommended to purchase one of these plans when renting a trailer.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Are_there_any_exclusions_or_limitations_to_U-Hauls_protection_plans\"><\/span>8. Are there any exclusions or limitations to U-Haul&#8217;s protection plans?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nU-Haul&#8217;s protection plans may have exclusions or limitations, such as age restrictions, mileage limits, or restrictions on where the rental can be driven. It is important to review the terms and conditions of the plan before purchasing.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Is_U-Hauls_protection_plan_mandatory_when_renting_a_vehicle\"><\/span>9. Is U-Haul&#8217;s protection plan mandatory when renting a vehicle?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nU-Haul&#8217;s protection plan is optional, but it is recommended to purchase one to ensure you are adequately covered in case of an accident. Without the protection plan, you may be personally responsible for any damages or injuries that occur during your rental period.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Does_U-Haul_offer_insurance_coverage_for_international_rentals\"><\/span>10. Does U-Haul offer insurance coverage for international rentals?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nU-Haul&#8217;s protection plans may not apply to rentals outside of the United States and Canada. It is important to check with U-Haul to understand what coverage is provided for international rentals.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Can_I_purchase_insurance_coverage_from_a_third-party_provider_for_a_U-Haul_rental\"><\/span>11. Can I purchase insurance coverage from a third-party provider for a U-Haul rental?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nSome third-party insurance providers offer coverage for U-Haul rentals, but it is important to carefully review the terms and conditions of the policy to ensure you are adequately covered.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Will_my_homeowners_insurance_cover_damage_to_a_U-Haul_rental_truck_parked_on_my_property\"><\/span>12. Will my homeowner&#8217;s insurance cover damage to a U-Haul rental truck parked on my property?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nHomeowner&#8217;s insurance typically does not cover damage to rental vehicles parked on your property. It is important to check with your insurance provider to understand what is covered under your homeowner&#8217;s insurance policy.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to renting a U-Haul, one of the most common questions that comes up is whether your auto insurance will cover you in case of an accident. The answer to this question can vary depending on your specific auto insurance policy, but in most cases, auto insurance does not cover U-Haul rentals. Renting &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Does auto insurance cover U-Haul rental?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/does-auto-insurance-cover-u-haul-rental\/#more-177698\">Read more<span class=\"screen-reader-text\">Does auto insurance cover U-Haul rental?<\/span><\/a><\/p>\n","protected":false},"author":44,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-177698","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does auto insurance cover U-Haul rental?<\/title>\n<meta name=\"description\" content=\"When it comes to renting a U-Haul, one of the most common questions that comes up is whether your auto insurance will cover you in case of an accident.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/namso-gen.co\/blog\/does-auto-insurance-cover-u-haul-rental\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Does auto insurance cover U-Haul rental?\" \/>\n<meta property=\"og:description\" content=\"When it comes to renting a U-Haul, one of the most common questions that comes up is whether your auto insurance will cover you in case of an accident.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/namso-gen.co\/blog\/does-auto-insurance-cover-u-haul-rental\/\" \/>\n<meta property=\"og:site_name\" content=\"Namso Gen Blog - 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