RV rental insurance — without the sales pitch.

No. PickRV is a marketplace. PickRV does not sell or offer insurance and provides no baseline coverage — it does not place, underwrite, administer, or earn commission on any policy. Renters arrange their own coverage; the host carries their own commercial RV policy on the rig.

Because PickRV does not sell or offer insurance, there is no PickRV rate card and no per-day premium to publish. Any coverage you arrange is priced by the licensed insurer you choose, based on your rig, dates, and driver history. Publishing an insurance rate card without producer authorization is regulated activity under state insurance codes (FL §626.901, CA Ins §1631, TX Ins §4001.051).

The host's policy covers the VEHICLE. It typically extends auto-liability protection to the renter while driving with permission, but the exact extension is set by the host's policy form. Read the host's policy summary the host is required to share at booking, and call the host's insurer if anything is unclear before pickup.

Auto liability follows the vehicle by long-standing US law — the host's policy is the first-position coverage regardless of which state you're driving in. The damages cap, however, can be the state minimum of either the registering state or the accident state, whichever is higher. See your state DOI link above for the floor.

No. PickRV listings are US-only. US auto policies cannot legally place Mexico auto liability — Mexican Insurance Law (LIISF Art. 5) requires coverage from a CNSF-registered Mexican-admitted carrier. PickRV does not recommend Mexican carriers or brokers (Art. 5 prohibits non-Mexican entities from offering or referring such coverage). Consult an authorized CNSF-registered provider directly before any border crossing.

Three numbers in the standard state-DOI format: 25 = $25,000 bodily-injury liability per person; 50 = $50,000 bodily-injury liability per accident (multi-person cap); 10 = $10,000 property-damage liability per accident. All three are FLOORS — most renters and hosts carry higher.

It depends on the rig's value, your trip dates, and the coverage you choose — and since PickRV does not sell or offer insurance, any coverage you arrange is priced by the licensed insurer you choose, not by PickRV. There is no marketplace rate card: publishing one without producer authorization would violate state insurance codes, and any site quoting you a universal per-day price before knowing your rig and dates is guessing.

Yes, in one key way: a towable (travel trailer, fifth wheel) has no engine and no driver's seat, so liability while towing typically flows through the TOW VEHICLE's auto policy, while physical damage to the trailer itself is what any physical-damage coverage you arrange addresses. A motorhome is a motor vehicle — it needs both liability and physical-damage coverage in its own right. PickRV does not sell coverage; verify your tow vehicle's policy covers towing a rented trailer before pickup.

Yes — a licensed insurer can issue per-trip / short-term protection that starts at pickup and ends at drop-off, so you don't need an annual RV policy for a one-week rental. PickRV does not sell this; you would arrange it directly with an insurer. If you already carry auto coverage, check whether it extends to rented motorhomes before adding anything (many policies exclude vehicles over a weight threshold or commercial rentals).

Collision covers physical damage to the rented rig itself (impact with a vehicle or object), separate from liability, which covers damage you cause to OTHERS. Rented RVs are where personal-auto gaps show up most: many personal policies exclude motorhomes entirely or cap physical-damage coverage far below a rig's value. If your own policy doesn't extend collision to a rented motorhome, arranging your own per-trip collision coverage with a licensed insurer is how you close that gap — PickRV does not sell it, and the deductible and limits are set by the insurer you choose.