U-Hauls moving insurance provides some of the same types of coverage offered in an auto policy like medical payments coverage and damage waiver coverage which pays for damages to the equipment you rent.

Does your auto insurance cover uhaul. In most cases it does not. For instance you may find that the personal property coverage in your homeowners insurance policy provides some coverage for the belongings youre transporting but doesnt cover damage to the rental moving truck. Many auto insurance policies dont cover large truck rentals.

The purchase of Safemove and Safemove Plus is not required in order to rent a U-Haul truck or trailer but many personal auto policies do not cover rental truck or trailer rentals. Make a call to your insurance agent to ask whether your homeowners or car insurance policies extend to your rental moving truck. It is important to understand that while your policy may extend to the rented U-haul your personal contents inside the vehicle would not be covered if you are considered At-Fault in an accident.

But some U-Haul insurance packages also protect your cargo from damage caused by a collision fire or storm. American Expresss exclusions include cargo vans and box trucks. If you rent a U-Haul take the insurance and get into an accident you would be covered.

Generally your own car insurance policy will not extend to a U-Haul Ryder Penske or other type of truck you rent to move your belongings or to a rented trailer. Even if your policy covers some car or truck rentals there may be exclusions based on the truck size or weight. U-Haul does not accept outside insurance.

However this doesnt hold true when renting a U-Haul. When you rent a car your existing car insurance policy often covers your rental car as well. A 100 deductible insures up to 25000 for one-way rentals or 15000 for local rentals.

However you should check with your credit card company to be sure. This means property damage and bodily injury you cause another party may be covered by your car insurancejust not damage you. There might also be limitations on your rental car insurance coverage.