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RV Rental Insurance & Protection
RV Rental Insurance Overview
Every BayCampr rental includes protection options through Roamly Insurance, a specialty RV insurance provider. During booking you can choose the coverage level that fits your comfort level and travel plans.
Protection plans typically include:
🛡 Liability coverage
🚐 Physical damage coverage
🛠 Optional roadside assistance
✈ Optional trip protection
Protection coverage generally works on an excess basis.
If you have personal auto or RV insurance that applies to rentals, your policy may be used first. The protection package then serves as secondary coverage for the rental.
Protection Packages at a Glance
Basic Protection
State minimum liability - $100K Physical Damage coverage - Windshield repair
Typical Cost $20-50/day
Essential Protection ⭐ Most Popular
State minimum liability - $150K Physical Damage coverage - Windshield repair - Roadside Assistance
Typical Cost $30-70/day
Peace of Mind Protection
Up to $1M liability - Up to $300K Physical Damage - Windshield repair - Roadside Assistance
Typical Cost $40-95/day
Stationary Protection - Delivered units that remain parked
State Minimum liability - Up to $300K Physical Damage - Windshield repair - Stationary Roadside Assistance
Typical Cost $10-35/day
Exact pricing and deductibles are shown during booking.
Roadside & Technical Assistance
24/7 RV Roadside Assistance
Powered by Coach-Net®, a nationwide RV roadside assistance network.
✔ Towing to repair facility
✔ Tire repair / replacement
✔ Battery jumpstart
✔ Lockout assistance
✔ Mobile mechanic dispatch
✔ Fuel or fluid delivery
Roadside assistance is included in some plans - see Protection Packages above
Optional Protection Add-Ons
Interior Damage Protection
Helps protect against accidental interior damage such as spills,stains, or minor damage to cabinets, fixtures, or furnishings.
$69 / trip
Trip Protection
Trip protection may reimburse certain trip costs if unexpectedevents force you to cancel or interrupt your rental.
6% of trip cost
Roadside Assistance*
24/7 technical assistance
Lockout service
Towing
Tires/Fluids
Concierge
$9 / day
*Roadside assistance is included in some plans - see Protection Packages above
Using Your Own Insurance
Some renters prefer to use their own personal auto or RV insurance instead of purchasing a protection package during booking. In some cases, insurance providers can extend your existing policy to cover a rented RV for the duration of your trip.
Not all insurance companies allow policies to be extended to peer-to-peer RV rentals. You must confirm this directly with your provider before your trip.
Some insurance companies can issue a temporary binder or rider extending your policy to cover a rented RV for specific travel dates. This document confirms that your policy provides liability and physical damage coverage during the rental period.
Ask your provider:
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Does my policy cover rented motorhomes or travel trailers?
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Does my policy extend to peer-to-peer rentals?
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Can my coverage be extended temporarily for the rental period?
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Can you issue a binder, rider, or certificate of coverage for the trip?
Insurance Providers That May Offer Temporary RV Rental Coverage
Insurance providers that may offer RV Rental Insurance Binders:
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State Farm
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Farmers
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AAA
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USAA
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21st Century
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AllState
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Wawanesa
Insurance Companies That Typically DO NOT Extend Coverage to Rentals
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Geico
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Liberty Mutual
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Mercury
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Travelers
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Progressive
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AmFam American Family
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Amica
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Ameriprise
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Auto Owners
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GMAC
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Hartford
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Nationwide
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Most “off brand” policies (Edurance, Freeway, Fred Loya, etc …)