All transactions processed on the RVnGO platform include Protection Plans agreed to between the RV Host and RVnGO and, separately, the Guest and RVnGO. Plans include auto-liability insurance needed to insure the RV on the road, and a Physical Damage contract (that is not insurance) agreed to by the RV Host and RVnGO and, separately, the Guest and RVnGO and Roadside Assistance. RVnGO provides auto-liability insurance coverage covering both the Host and the Guest up to $500,000 per accident. We do not process other types of third-party insurance or other physical damage protection plans on our platform. If you want to use other forms of third-party liability insurance or physical damage protection products, you cannot rent out through our platform so you'll have to do so on your own website - but why do that? The total amount paid on other products is about the same as what the Guest pays on RVnGO. Plus, on our platform, RV Hosts don’t pay anything for auto liability insurance nor physical damage protection and our reimbursement level is higher.