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Last Updated on March 31, 2024 by Jessica Lauren Vine

Outdoorsy is an RV rental service that “connects local RV, motorhome and campervan owners with people and families wanting to rent them. Making memorable outdoor experiences accessible to everyone.”  (According to Outdoorsy.com, How It Works) Since Outdoorsy insurance covers both the renter and the owner, you may be asking how does this insurance work? Once an RV is booked or submitted for rental…what now? 

Outdoorsy’s co-founder and CMO Jen Young says, “The way insurance works on our platform: an owner has their own personal policy for their RV, campervan, etc., which covers the vehicle when it’s not being rented. Then we provide the episodic coverage for when it is out on a rental since personal policies don’t typically cover rental drivers.” 

Outdoorsy Insurance For Renters

Insurance for renters is an essential requirement for renting an RV from Outdoorsy. However, Outdoorsy provides $1 million in liability, $1 million in comprehensive roadside assistance, plus 24/7 roadside assistance for every single plan they offer. Additionally, Renters using Outdoorsy choose from three options when selecting an insurance plan.

$ The Essential Plan. 

This plan covers the basics. It offers the highest deductible at $1500 with the lowest price point

 $$ The Preferred Plan. 

This plan is the middle ground. You can purchase the Preferred plan with a $1000 deductible and a few extra services. 

$$$ The Peace of Mind Plan. 

Purchase this plan to leave all your cares and worries behind. This plan comes with all the services of the Essential and Preferred plan plus a few additional services. However, it will come with a higher price point and a $500 deductible. 

Because Outdoorsy offers so many options, we can’t forget about one last plan. This one is called the Stationary Plan. This plan comes with a $500 deductible and is perfect for renters who do not plan to pull or drive the RV to their desired location. 

Interior coverage and emergency trip protection are additional services a renter can add to their insurance plan. 

Outdoorsy’s co-founder and CMO Jen Young states, “Regardless of which tier package you choose, you’ll be protected with physical damage protection and the state minimum liability insurance protection.” 

Outdoorsy Insurance for Owners

Owners wishing to partner with and rent out their RV using the outdoorsy platform also have an added benefit! Outdoorsy provides insurance for those who partner with and conduct transactions through Outdoorsy at no cost to the owner.

Owners do have few options for added insurance. Most insurance companies do not cover a personal  RV rental. Outdoorsy has partnered with an insurance agency, Roamly, which provides this personal coverage for owners who wish to rent their RVs.

Each added individual protection plan that Outdoorsy provides can be tailored to each RV, considering its unique specifications. For example, a Class A will have significantly different insurance requirements than a travel trailer. 

After an RV is submitted and approved for rental through Outdoorsy, insurance coverage begins. Outdoorsy provides $1 million of Comprehensive and Collision for the Actual Cash Value and up to $1 million in liability. Third-party insurance offers this protection.

Outdoorsy assumes liability for the entire rental period. However, it is essential to note that Outdoorsy does not replace your personal insurance plan. Please keep in mind that the state of New York also has exceptions. 

You can find all the nitty-gritty details of this liability insurance plan on their website under the help tab for Liability Insurance Policy.

Using the Outdoorsy platform can be a great way to save or make money! Overcoming the looming thoughts of insurance will bring you one step closer to the adventure! Does the thought of figuring out Outdoorsy insurance intimidate you?

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Melissa Lum

Contributor at RV Idiots

Melissa Lum remembers traveling in a Class A and Class C RV as a child. Her parents took her and her brother on adventures and she kept the tradition going as an adult.

Melissa and her family have transitioned through multiple RVs and their next rig will be a fifth wheel. They are currently searching for the best one for their family.

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