Do You Need U-Haul Insurance?

A Guide to Moving Insurance

A couple smiles at each other while sitting by cardboard boxes in a U-Haul moving truck
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Moving has loads of challenges. Driving a big, heavy, unfamiliar moving truck can increase your risk of getting into an accident. And if your move requires several days of driving, you run the risk of damage to or theft of the personal items you’re transporting.

Your auto and home insurance policies may provide limited protection for a rental truck and your belongings while in transit. But you’ll likely need more coverage. Luckily, U-Haul offers several insurance plans to protect the equipment you rent and your valuable personal belongings.

Key Takeaways

  • A personal car insurance policy might not cover a rental moving truck, and home or renters policies may not provide adequate coverage for all your personal items.
  • Typically, credit cards do not cover rental moving trucks, even if they provide limited protection for rental cars.
  • U-Haul offers several rental equipment insurance packages that include comprehensive coverage, damage waiver coverage, liability protection, medical expense coverage, and cargo protection.
  • U-Haul also offers roadside assistance coverage and insurance for personal belongings stored at a U-Haul storage facility.

What Is U-Haul Insurance?

U-Haul insurance is coverage you can purchase from U-Haul when you rent one of its cargo vans, moving trucks, pickup trucks, trailers, tow dollies, or vans. U-Haul offers several insurance packages for different types of equipment with different levels of coverage. 

While your car insurance policy or credit card may offer some coverage when renting a passenger car, they won’t likely cover vehicles designed for moving cargo. And if you don’t purchase insurance when renting U-Haul equipment, you might have to pay out of pocket if you have an accident. 

U-Haul’s moving insurance provides some of the same types of coverage offered in an auto policy, like medical payments coverage and damage waiver coverage, which pays for damages to the equipment you rent. But some U-Haul insurance packages also protect your cargo from damage caused by a collision, fire, or storm. 

What Does U-Haul Insurance Cover?

U-Haul offers several insurance packages, although some packages are only offered for specific types of equipment.

Safemove

You can purchase U-Haul’s Safemove insurance package for moving trucks, but not for cargo vans or pickup trucks. Safemove includes:

  • Damage waiver: Covers accident damage to U-Haul rental equipment, but doesn’t cover damages caused by collisions with overhead objects, such as overpasses.
  • Cargo protection: Covers damage to cargo due to a collision, fire, overturn, or windstorm.
  • Life/medical protection: Medical expenses coverage for the driver and passengers.

Safemove Plus

Safemove Plus provides protection for moving trucks and includes:

  • All Safemove coverages: Damage waiver, cargo protection, and life/medical protection.
  • Exclusion-free coverage: Unlike the basic Safemove package, Safemove Plus’s damage waiver coverage includes overhead collision damage.
  • Supplemental liability coverage: Provides $1 million in supplemental personal liability coverage.

Pickup Truck and Cargo Van Coverage

For its fleet of cargo vans and pickup trucks, U-Haul only offers collision damage waiver coverage, which features a $150 deductible for accidental damage. Other deductibles may apply for corporate customers.

Safetow

U-Haul offers its Safetow coverage for auto transport, trailer, and tow dolly rentals. It covers damage to the rental equipment, includes life and medical expenses coverage for drivers and passengers, and offers multiple levels of cargo protection.

Safetrip

Safetrip offers flat-rate roadside assistance, which covers:

  • Fuel delivery
  • Jump starts
  • Lockout service
  • Lost keys
  • Stuck vehicles
  • Trailer hook-up problems

Safestor and Safestor Mobile

U-Haul’s Safestor coverage protects your belongings while stored in a U-Haul storage facility. Safestor Mobile protects personal property in U-Box moving containers. Safestor packages cover losses caused by a wide variety of perils, including:

  • Burglary
  • Earthquakes
  • Explosions
  • Fire
  • Hail
  • Leaking water
  • Smoke
  • Vandalism
  • Vermin

Exclusions 

  • Safemove doesn’t cover damaged tires or equipment damage caused by colliding with overhead objects.
  • Safemove Plus isn’t available in Canada, Connecticut, Louisiana, New Jersey, or New York.
  • Safemove, Safemove Plus, and Safetow don’t cover your personal vehicle or its contents, even when towing it on U-Haul auto transport equipment or in a U-Haul moving truck.
  • Rocking a U-Haul truck to get it unstuck from mud or snow can damage its transmission, and this damage is not covered by Safemove or Safemove Plus. 

What Does Your Existing Insurance Cover?

Before renting a moving truck, contact your insurance agent to find out if your auto, home, or renters insurance policies provide any protection for the rental vehicle or your personal belongings while in transit.

Your homeowners or renters policy might cover your possessions up to a certain limit. While your car insurance might provide some coverage for a regular rental car, many policies limit coverage to a certain size of vehicle—and moving trucks exceed those limits. However, if you rent a U-Haul cargo van or pickup truck, your personal auto insurance coverage might protect it. 

In some cases, you may be able to purchase a separate supplemental liability policy and personal effects insurance. But it’s best to speak with an insurance agent before declining rental truck insurance.

Although your credit card might cover a rental car, it likely won’t cover a rental moving truck. Consult your card’s terms and conditions before declining rental truck insurance.

Alternative Types of Moving Insurance

Other truck rental agencies offer similar insurance packages to U-Haul’s, though availability may depend on your location.

Penske Truck Rental Insurance

  • Limited damage waiver: Covers damage to rental trucks and towing equipment.
  • Personal accident insurance: Provides medical expense and accidental death coverages for driver and passengers.
  • Supplemental liability insurance: Offers up to $1 million in liability coverage to safeguard against bodily injury and property damage claims.
  • Cargo insurance: Provides up to $15,000 in coverage for personal possessions transported in a Penske vehicle.
  • Towing insurance: Covers a towed vehicle when attached to or towed by a Penske rental truck.

Budget Truck Rental Insurance 

  • Limited damage and personal damage waivers: Covers damage to or theft of Budget equipment.
  • Supplemental liability insurance: Includes liability protection for bodily injury and property damage claims.
  • Personal and cargo: Protects you and your cargo while driving a Budget rental truck.
  • Auto tow protection: Covers your personal vehicle while towing it with Budget rental equipment.
  • Roadside SafetyNet: Includes roadside services that aren’t covered by the standard rental agreement.

Enterprise Truck Rental Insurance 

  • Damage waiver: Waives or reduces the renter’s responsibility for damage to or loss of rental equipment.
  • Roadside assistance protection: Covers fuel delivery, flat tire service, jump starts, lockout service, and lost keys.
  • Personal accident insurance: Provides ambulance expense coverage, accidental death benefits, and medical expense coverage for driver and passengers.
  • Supplemental liability protection: Provides up to $300,000 in liability coverage.

Third-Party Moving Insurance Companies

If you prefer, you can also purchase third-party truck rental insurance from a handful of companies, including:

  • Relocation Insurance Group
  • Lakeland Insurance
  • UNIRISC   

Do You Need U-Haul Insurance?

Before purchasing or declining U-Haul insurance, contact your insurance agent to find out if your auto and home insurance policies offer any protection. Usually, your existing policies won’t provide all the protection you need.

Even if your car and homeowners policies offer limited protection, it still might make good financial sense to purchase coverage from U-Haul. Insurance packages offered by rental truck agencies often provide the most comprehensive coverage, including protection for rental equipment and coverage for the property you’re transporting. U-Haul’s Safemove Plus package also includes generous $1 million liability coverage, a particularly important benefit when driving a large, heavy vehicle. 

Frequently Asked Questions (FAQs)

How old do you have to be to rent a U-Haul?

U-Haul rents trailers to people as young as 16, but only rents trucks to drivers 18 and older. All renters must have a government-issued driver’s license to rent any U-Haul equipment.

How much is U-Haul insurance?

The cost of U-Haul insurance depends on your location. When we requested quotes in a few different ZIP codes, Safemove insurance packages cost $14 to $16 per day, while Safemove Plus cost $30 per day.

How do I file an insurance claim with U-Haul?

U-Haul offers truck rental insurance through Repwest Insurance Company. You can file a claim online at repwest.com/Claims, or by phone at 800-528-7134 (USA) or 800-661-1069 (Canada).

Do I need my insurance information when I rent a U-Haul?

If you decline insurance when renting U-Haul equipment, the rental agent will require you to provide proof of insurance.