An Overview of How Insurance Works with RVnGO

RVnGO Insurance Overview



With RVnGO it is free to list your RV for rent and we don’t charge any fees to Hosts! All transactions processed by RVnGO are covered by our industry leading $1 million liability insurance for both the Host and the Guest with comprehensive coverage for damage to your RV up to $200,000. The Guest pays the nightly insurance fee. Real Insurance made Real Simple!


Auto Liability Coverage Limits:

$1 million for the driver (and any additional drivers) and Host. Check the fine print on other policies, they’re usually only $500,000 or just statutory minimum coverage levels for drivers (that’s $20,000 in most states).

Auto Liability Provider:

Crum & Forster, an “A” rated insurance company and one of the largest and most trusted specialty insurance providers in the United States since 1822.

Auto Physical Damage Coverage Limits:

Covers damage to the RV up to $200,000 for all risks (certain exclusions apply), including damage in an accident or from natural disasters or loss due to theft.

Auto Physical Damage Coverage Provider:

Lloyd’s of London, the oldest and most trusted insurance provider in the world.

Insurance Costs:

Nightly insurance fees range from $70 for Class A Motorhomes to $25 for Trailers and are paid by the Guest. Deductibles range from $3,500 for Class A Motorhomes to $1,500 for Trailers and are also paid by the Guest. No risk, no cost for Hosts.

Claims Processing:

We’re not clowning around. Claims are professionally processed by Crum & Forster and RPS (Risk Placement Services – part of Arthur J. Gallagher Insurance Agency, one of the largest in the world).


Coverage is automatic for all transactions processed on RVnGO and extend to all RVs in the United States (except New York). This covers travel throughout the United States and Canada for those with valid US or Canadian driver's licenses.


So what are you waiting for? With no listing or hosting fees, free leads, free booking calendar, free tools to manage your RV rental business, no paper work with electronic check-ins and check-outs and automatic coverage by the industry’s best comprehensive insurance, it’s no wonder RVnGO is the fastest growing RV rental platform.


Some limits and exclusions apply, find out more by visiting or contacting us at

RVnGO is a free platform for Hosts to list and rent their RVs. All rentals processed through the RVnGO site are covered with our comprehensive insurance coverage with $1 million auto liability coverage and $200,000 physical damage to the RV. There is no monthly premium or cost to the Host, there is a nightly insurance premium that is added to any reservation and paid by the Guest. The coverage only applies during the rental and covers both the Guest or driver (and additional guests listed on the RVnGO platform), and the Host or owner of the RV from liability up to the stated limit per accident. The Guest is responsible for the deductible in the event of a claim. We've tried to make this coverage as simple as possible with our carriers, but see below on specifics for drivers and owners to qualify for coverage. As well, there are limits and exclusions on coverage, for more information or a copy of the policy, contact us at, or see the exclusions and limits on coverage in these FAQs.

Why you need the rental insurance provided by RVnGO

Regular RV insurance does not cover rentals and will exclude coverage. So Hosts that want to rent their RV will either have to arrange commercial rental insurance that covers RVs or simply process their rentals through RVnGO. For Guests that want to rent an RV that is a motor home, your regular auto insurance in most cases will exclude coverage, so if you rent an RV without RV rental insurance from RVnGO, you may not have any coverage at all and your would not even meet statutory requirements to be on the road (meaning it is illegal for you to be on the road and if you get pulled over you could be arrested and the vehicle impounded). If the Guest is towing the RV (a trailer or fifth wheel or a truck insert for instance) then their regular auto insurance with the towing endorsement may cover the towed RV within the stated limits of your auto policy (there will typically be restrictions on weight and value covered of the towed vehicle). Before RVnGO (we call that era B.R.E for Before RVnGO Era and number those years backwards), there were a couple of choices, Hosts could obtain commercial rental insurance and carry an expensive monthly premium, or require the Guest to obtain a rider on their auto policy that would extend coverage to the RV during the rental period. The problem with getting riders is that most carriers declined them and if they did grant them they were very expensive. Enter a new era, qualified rentals processed through the RVnGO platform are automatically insured, no additional sign ups or account openings, no inspections or qualifications. Both the driver and host are covered and can enjoy peace of mind.