Rent Your RV with

Complete Peace of Mind

FREE $1 Milion Liability and $250,000 Comprehesive and Collision Insurance for Our Users
  • Overview
  • Insurance for Owners
  • Insurance for Renters

Backed by the World’s Largest Insurance Companies

Our Underwriters are some of the largest commercial property and casualty insurers in the World. We are proud to be partnered to insure the safety and protection of both domestic and international travelers and owners.
Nationwide Coverage Across Canada and the United States
Our comprehensive insurance covers you, your vehicle and each DMV approved renter in all 50 U.S. States, Canada, The U.S. Virgin Islands and Puerto Rico. Rent worry-free knowing we’ve got you covered.
Award-Winning Response Time
As an owner, we want to assure you we will work with you to take care of any situation as quickly and efficiently as possible. Contact Outdoorsy support anytime!
Complete & Comprehensive Insurance Coverage
You never know what might happen while out on the road. The good thing is that you can rest assured that we have you covered! Here are just some of the incidents covered by insurance
Backup Accidents
Vandalism
Fires
Stolen RV
Power Surge
Earthquakes
Earthquakes
Fallen Trees
Windstorms
Hailstorms
Animal Impact
When the Unexpected Happens, We Want You in the Best Hands

Even when everyone is careful, accidents sometimes happen. That is why Outdoorsy has partnered with claim administration expert, Sedgwick Claims Management, Inc. Sedgwick is known for providing the most accurate, expedient claims management services in the industry today. Their claims examiners are consummate industry professionals who deliver expert services with a commitment to prompt, informative, compassionate service on every claim. Owners may expect a call from the Sedgwick team within 24 hours of receiving a claim. They are available to provide the support and guidance you need, when you need it.

After nearly 50 years in the marketplace, Sedgwick has become the largest, most well respected third-party claim administrator in the United States. Caring for people and businesses is what they do. Every year, more than 15,000 Sedgwick colleagues take care of the needs of more than 3 million people who had something unexpected happen. At Outdoorsy, we are committed to your peace of mind. That is why we chose Sedgwick as the optimal partner for claim administration services.

We’ve Raised the Bar When it Comes to Trust & Safety
Rest assured we’ve got you covered. We offer comprehensive insurance coverage, roadside assistance, award-winning customer support & more.
Trust & Safety Checklist

DMV Driver Checks for Every Driver

24/7 Roadside Assistance

Award-winning Response Times

Safe & Secure Payments

Dedicated Outdoorsy Support Team

$1 Million Liability Insurance

$250K Comprehensive & Collision
“Outdoorsy’s handling of the issue convinced me to continue renting out...Outdoorsy is truly a quality company – great renters, great partners, great customer service.”
- Linda H., RV Owner
Coachmen Freelander 20CBT 2017
DMV Checks & Verification for Every Driver

To qualify for insurance for rentals, all users, domestic and international must be verified through our quick, online DMV verification process. It only takes seconds (international driving record checks can take from 1 hour to 24 hours). This background check ensures that the safest drivers are participating in the Outdoorsy community.

Drivers must be at least 25 years of age, must have a current license and a clean driving history.

Comprehensive On-Demand
Roadside Assistance
Don’t let a breakdown keep you from experiencing your adventure! Need help on the road? Outdoorsy has you and your vehicle covered. Our partnership with Coach-Net provides you with 24/7 premium roadside assistance for only $15/day.

Insurance for Owners

All qualifying vehicles that you list on Outdoorsy will be eligible for our insurance protection plan. Insurance protection is available to RVs, Travel Trailers, Fifth Wheels, Toy Haulers, Truck Campers, Campervans, Sportsmobiles and certified Westfalia’s, VW Campers and Vintage units. This excludes the tow vehicle unless it is also listed on Outdoorsy and rented at the same time as the trailer through Outdoorsy. The tow vehicle must also apply and be approved for coverage separately from the trailer. Motorized vehicles (including tow vehicles) must be year 2000 or newer to qualify for liability insurance protection. Older Westfalia’s and VW Vans and Vintage units can be covered under our Vintage Plan for both Liability and Comprehensive & Collision. There is no restriction on age for Trailers as long as the pass their regularly scheduled mechanical safety inspections.

The Insurance protection program is offered to you with no monthly premium and no monthly payment. It is a benefit that you enjoy for listing on and transacting through Outdoorsy. Best of all the policy provides for $1 Million in Liability coverage from the first dollar up and $250,000 in Comprehensive and Collision protection.

However, it’s important to note that:

  • Outdoorsy’s insurance policy doesn’t replace your personal insurance policy.
  • Only transactions made through Outdoorsy qualify for our $1M RV liability and $250K Comprehensive & Collision insurance.
  • Interior damage and losses caused by mechanical failures due to a lack of maintenance are not covered.
  • Collision policy goes back as far as we elect on older motorized vehicles, but a rate charge may apply.
  • Every vehicle must pass a 90-day inspection of its tires, brakes, and LP gas, appliance and electrical systems within 90-days of the reservation departure. Safety first! Outdoorsy's insurers reserve the right to request these inspection documents in the case of a claim.
  • Vehicles must be registered, meet all safety standards, and be certified through and listed with Outdoorsy.
  • All Drivers including the primary contract signer must be verified through the Outdoorsy DMV Driver history check.
  • For those traveling south of the border, our coverage does not extend to rentals entering Mexico.
  • Damage as a result of vandalism during the rental period must also include a police report when submitting to our claims team.

Deductibles

Our Liability coverage has $0 deductible for you and your renter. However the renter is responsible for the deductible that can range from $1,500 to $3,000 on the comprehensive and collision policy in the event of a physical damage claim.

Coverage Requirements

To enable the coverage on each rental, Owners must apply and be approved for each vehicle through the Outdoorsy dashboard. In addition, for each rental, all planned drivers must submit and be approved through the Outdoorsy DMV Verification process. If there is no DMV verified driver you are still eligible to rent your vehicle through Outdoorsy, however you as the owner are responsible for providing your own insurance coverage or confirming with the Renter that they are able to provide coverage. Outdoorsy will not extend insurance coverage to renters who are not approved DMV verified drivers. When your vehicle is not on an active rental through Outdoorsy your personal insurance serves as the primary coverage. Once you are qualified and approved your insurance certificate will be issued by Outdoorsy and will be available through your dashboard under your documents.

We offer $1 million dollars in liability insurance, which protects you against claims from third parties and as well as your renters in the case of any incidents. You’re also protected for any physical damage to your RV in the event of a collision or accident during the rental period, up to the actual cash value of your vehicle, with a maximum of $250,000. Physical damage protection covers damages that result from collisions and comprehensive causes (such as fire or theft), with some specific limitations for acts of nature. Interior damage from usage such as scuffs, broken cabinets or cleaning, etc is not covered as part of the insurance program. These should be covered by the renter’s security/damage deposit.

Domestic and International Renters

One click, automated insurance coverage for both domestic and international renters from anywhere in the world. RVing or “Caravanning” in America and Canada is popular among travelers from all over the world. Now, they are all eligible to be covered through the Outdoorsy Protection Program. No need to purchase commercial coverage as Outdoorsy makes it simple through the online verification and approval process.

$1 Million Dollar Liability
$250K Comp & Collision
Driver DMV Checks
Custom Security Deposits
Optional Roadside Assistance
Dedicated Support Team

Insurance for Renters

The application process is quick and easy. Before you rent your first RV we ask for your payment information and your Driver’s License information so that we can verify that you meet our eligibility requirements. In most cases, the driver eligibility check takes seconds, as long as we can verify all of your information and you have a clean driving record.

In some cases, we may need additional information for verification purposes, you will be prompted at the time of processing for these additional documents which can extend the time it takes for verification from 1 hour to 48 hours, depending on the record. If you do not pass your DMV verification process you will need to directly contact the DMV to obtain your official record. Outdoorsy cannot provide the exact reason for failure, however if you feel that it is in error you may reach out to our support team with a copy of your clean DMV record and we can reprocess the background check for you.

If you or another driver in your party fail to pass this requirement, insurance cannot be extended for the rental. In addition, please note that the primary driver must also be the signatory for the Rental Contract. Each additional driver that is approved will be covered as an additionally insured driver for the rental period.

When you pass your DMV verification you will not need to purchase a rental binder and there are no brokers or agents to call. It’s an easy and secure process and importantly, your information is never shared with anyone. Upon passing DMV verification, your insurance will be activated and you will be covered from the moment you pick up the keys to the RV. Just like RV Owners who list on Outdoorsy, you are also covered under the same $1 Million liability policy and $250,000 in comprehensive and collision protection. The coverage protects you against claims from third parties for damage caused to the vehicle. You’re protected for physical damage that you may cause to the RV, up to the actual cash value of the rental vehicle in case of a collision or an accident. We won’t seek claims from your primary insurance company in the case of a valid claim during the rental period.

International Renters

Traveling from another country to tour the US and/or Canada? Outdoorsy makes it easy, no need to pay additional fees for daily insurance coverage. Outdoorsy’s Insurance Protection Plan covers international travelers when they rent through Outdoorsy for both Liability and Comprehensive & Collision policies. International travelers must have a valid international license / International Driver’s Permit and we may ask for additional documentation (such as a scan of the drivers passport) for verification. Once a driver is verified they are automatically covered for all rental vehicles that have applied and are approved for coverage through Outdoorsy for the rental period.

$1 Million Dollar Liability
$250K Comp & Collision
Secure Payment via Stripe
Optional Roadside Assistance
Still Have Questions?

Insurance can sometimes be an overwhelming subject. We really want to keep things simple while ensuring you are fully informed about your coverage.

For comprehensive details about our insurance policies or to sign up to have your RV insured for all your Outdoorsy rentals, contact us at [email protected].

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