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Summary of Protection Policy

For our full Owner Protection Policy, please click here.

Outdoorsy is the only peer-to-peer RV rental platform to provide commercial insurance for qualified renters and owners renting on Outdoorsy when the owner’s personal RV insurance would not apply.

We’re proud to partner with Assurant* on our liability insurance to ensure the safety of our renters and owners worldwide. Any renters traveling in the US (international or US-based), as well as US-based owners, can rely on Assurant for liability protection. Assurant supports our mission of providing high-quality insurance products and services to meet the needs of the Outdoorsy community.

Outdoorsy’s $1 million insurance protection program covers you, your vehicle, and every approved renter in the case of any covered incidents. Rent worry-free knowing we’ve got you covered.

For owners, you’re also protected for physical damage to your RV in the event of a collision or accident during the rental period, up to the actual cash value of your vehicle, with a maximum of $300,000.

Let’s break it down. Our Comprehensive and Collision coverage for exterior damages is available to RVs, travel trailers, fifth wheels, toy haulers, truck campers, campervans, sports mobiles, and certified Westfalias, VW campers, and vintage units. Note that this excludes tow vehicles unless they’re also listed on Outdoorsy and rented at the same time as the trailer. Tow vehicles must be approved for coverage separately from a trailer.

Older Westfalias, VW vans, and vintage units can be covered under our Vintage Plan for both Liability and Comprehensive & Collision. The Vintage Plan covers only $75,000 for Comprehensive & Collision.

There is no restriction on age for trailers, as long as they pass their regularly scheduled mechanical safety inspections.

Other important considerations:

  • Outdoorsy’s insurance policy doesn’t replace your personal insurance policy. Get a free RV insurance quote from Roamly, our preferred insurance partner!

  • Only transactions made through Outdoorsy qualify for our $1M RV liability and up to $300,000 Comprehensive & Collision insurance.

  • Interior damage is not covered under the Outdoorsy Comprehensive and Collision coverage, optional Damage Protection coverage can be purchased for interior damage protection.

  • Losses caused by mechanical failures, wear and tear, lack of maintenance, or damages occurring over time, are not covered.

  • Collision policy goes back as far as we elect on newer motorized vehicles, but a rate charge may apply.

  • Every vehicle must pass an inspection of its tires, brakes, LP, and gas, within 90 days of the reservation departure. Outdoorsy’s insurers reserve the right to request these inspection documents in the case of a claim.

  • Vehicles must be registered, meet all safety standards, and be certified through and listed with Outdoorsy.

  • All drivers, including the primary contract signer, must be verified through the Outdoorsy verification process.

  • Our coverage does not extend to rentals entering Mexico.

  • Damage as a result of vandalism or theft during the rental period must also include a police report for submission to our claims team.

  • The protection package for renters is mandatory and cannot be opted out of unless the driver has failed the verification, in which case they will need an insurance binder.

  • Loss of use for personal use or for upcoming scheduled rentals is not covered by Outdoorsy.

  • In the event a claim needs to be filed, you need to have pre-trip photos, post-trip photos, and either the Driveable RV Departure and RV Return forms or the Towable RV Departure and RV return forms, completed and signed.

Our insurance protection plans feature tiered deductibles depending on the value of the rented vehicle. The renter is responsible for the deductible, which can range from $1,000 to $4,000 on the Physical Damage and Comprehensive & Collision coverages in the event of a damage claim. The deductible is the responsibility of the renter.

This insurance is embedded in the rental process with no additional premiums or monthly fees for owners. Outdoorsy’s protection is fully integrated and requires no additional effort outside of basic vehicle information from the owner and a renter background check for each rental. Outdoorsy’s coverage extends to all states (except New York), as well as vehicles traveling into Canada. (Our insurance does not extend into Mexico).

The Outdoorsy insurance policy also covers international travelers who agree to an international background check and have an international driver’s license or permit for the class of vehicle they’re renting (i.e. if they have a Class B international license, they can’t rent a Class A vehicle).

For any of your other insurance needs, remember there’s Roamly, Outdoorsy’s preferred insurance partner. Get a free RV insurance quote in 60 seconds!

*Assurant is a partner on liability insurance only.