Should You Get Insurance for Your Rental Truck?

Before you start the moving process, you will likely be prepping to make the move easier. However, as you prepare you may begin to realize just how expensive every cost is. Especially when it comes to a moving truck. You may be tempted not to get the insurance on your truck, but it is important to understand what getting insured entails!

Your Normal Vehicle Insurance May Not Help

While you may think that you will be able to cut costs on insurance because you already have car insurance, that may not necessarily be the case. Many people fail to realize that most car insurance policies that cover rental vehicles will not have that coverage extend to rented trailers and trucks. You should check with your insurance company before declining any offered coverage. You do not want to end up with any unexpected costs because you thought you knew your auto policy.

It is Important to Ask Questions

You want to make sure that you ask questions so that you understand your coverage properly. It is important that the vehicle is covered from mechanical damage as well as external damage. Whether you mess up the transmission or hit a low-hanging bridge, you want to make sure you do not have to worry about vehicle costs. You should also check if tires specifically are covered as well! Not only should you worry about your vehicle getting covered, you should also make sure that you are covered. Your health and safety should be a priority too. Once you know whether the vehicle and you are covered, you want to know about your personal belongings. You should see that you have some sort of protection whether from your own policies or from the truck rental policy. You typically have multiple options to choose from so be sure to understand before you just pick a policy.

What Kind of Insurance Can You Get?

Regardless of the moving company you are looking into (Penske, U-Haul, etc.) you should make sure to review all of the protection plans that they have available. There are typically basic plans and plans that have more protection for your move. A good rule of thumb is getting protection that covers all of the questions that you have asked.


Many people may want to skip insurance or think that they can just use their normal car policy to cover their rental vehicle. It is important to remember that getting insurance is always the way to go especially in instances where your budget will already be tight. If you want to use your normal car insurance in order to save money, you need to make sure that your policy covers all aspects from the vehicle, your belongings, and yourself. If you do not get insurance, then you run the risk of spending thousands that you may not have. It is better to be safe than sorry! Do not be afraid to take your time when looking at your insurance options and ask a lot of questions.