Insurance · 2026
PickRV is not an insurer.
We are a marketplace. PickRV does not place, underwrite, or sell coverage, earns no commission on coverage placement, and offers no insurance product today. Trips run on the coverage you and the host agree on — your own policy where it covers rental use, or the host's own commercial RV policy.
What is true today
- · Hosts maintain their own commercial RV insurance. Every host attests to a valid commercial policy before a listing goes to review. The host's policy and limits are the controlling document for any claim involving the vehicle.
- · No coverage is sold through PickRV. There is no insurance partner today. If a licensed partner is contracted in the future, any coverage option would show the provider name, policy limits, and deductible before purchase. PickRV is not an insurance underwriter.
- · Personal effects are not covered. Use your existing homeowners or renters policy; consider an inland-marine rider for gear over $5,000.
- · Renters are responsible for any pre-existing damage not noted at pickup. Photograph every panel before driving off.
If you rent
- Read your own auto or RV policy. Call the number on the card and ask whether it covers you when you rent someone else's RV, boat, or off-road rig, and whether it covers towing.
- Do not assume a credit card covers this trip. Cards usually exclude RVs and boats.
- Ask the host, in writing: does your policy allow commercial rental of this rig?
- PickRV is not an insurer and does not sell or offer coverage.
- Photograph the rig at pickup and at return, including the odometer.
If you host
- Read your own commercial policy. Ask whether it allows this rig to be rented to someone else.
- PickRV is not an insurer and does not sell or offer coverage.
- Tell the renter to confirm their own policy. Do not treat their card as coverage.
- Cards usually exclude RVs and boats.
- Photograph the rig with the renter at pickup and at return, including the odometer.
Same list, standalone page: /coverage-checklist.
No rate card published
An earlier version of this page listed specific "Standard / Premium" tiers with $/day amounts and fixed deductibles. We removed that content. Publishing a rate card for an insurance product without producer authorization is regulated activity under state insurance codes, and PickRV is not an insurer and does not sell or offer coverage today — there is no rate to publish. See the formal Insurance Disclosure for the full notice.
FAQ
Is PickRV the insurer?+
No. PickRV is a technology platform connecting renters with hosts. PickRV does not solicit, place, underwrite, administer, sell, or earn commission on insurance, and no coverage is offered through PickRV today. Trips run on the coverage you and the host agree on before pickup.
What does the host already carry?+
Every host on PickRV is required to attest to maintaining valid commercial RV insurance as a condition of listing. Coverage scope and limits vary by host and by state; the host's certificate of insurance is the controlling document for damage to or operation of the host's vehicle.
Do I need my own insurance too?+
Personal auto policies often exclude RV rentals, Class A motorhomes, rigs longer than 30 feet, or any commercial use. Check the 'permissible uses' page of your policy and contact your insurer with specific questions before your trip. Many homeowners or renters policies cover personal effects worldwide; high-value gear may need a separate inland-marine rider.
Does PickRV sell insurance coverage?+
There is no coverage sold through PickRV today, and no carrier partnership to announce. If PickRV contracts a licensed insurance partner in the future, renters would see the carrier's name, NAIC number, coverage limits, deductible, and per-trip premium before payment — and could opt in or decline. We will update this page the day that changes.
What about roadside assistance?+
Roadside assistance, where a host includes it, comes from the host's own arrangements. Independent roadside/RV memberships are available separately from third-party providers — confirm scope with the host before your trip.
Can I drive a PickRV-listed RV into Mexico?+
No — PickRV listings are US-only and cross-border coverage into Mexico is not offered through PickRV. US auto policies cannot legally place Mexico auto liability — coverage must come from a CNSF-registered (Comisión Nacional de Seguros y Fianzas) Mexican-admitted carrier (per Mexican Insurance Law / LIISF Art. 5). PickRV does not recommend specific Mexican carriers or brokers (LIISF Art. 5 prohibits non-Mexican entities from offering or referring such coverage). For Mexico travel, consult an authorized CNSF-registered Mexican insurance provider directly before crossing the border.
Questions about coverage
For specific questions about what is covered on a given trip, contact support@pickrv.com. For state insurance regulator concerns, see your state's Department of Insurance website. For PickRV's legal classification and limitations, read the Insurance Disclosure and Terms of Service §5.
Last updated 2026-05-11. This page intentionally omits dollar rates, branded coverage tiers, and "available now" wording for any product PickRV is not yet authorized to place.