Do You Need Uhaul Insurance?

Moving to a new home is exciting, but it can also be stressful. Uhaul insurance can help alleviate the stress and provide peace of mind when you’re dealing with a big move. Uhaul insurance covers your belongings while they’re in transit, so you don’t have to worry about any damage that might occur during the move.

But do you really need it? In this blog post, we’ll explore the pros and cons of Uhaul insurance, including who should get it and what kind of coverage is available. Read on for more information about Uhaul insurance and how it can help make your moving experience smoother.

What is Uhaul Insurance?

Uhaul insurance is a type of insurance that covers damages to your personal belongings while you are using a Uhaul moving truck. It is not required by law, but it is recommended by Uhaul. There are two different types of coverage: basic and premium. Basic coverage protects your belongings against fire, theft, and vandalism. Premium coverage also includes protection against weather damage, accidents, and breakdowns.

What Does Uhaul Insurance Cover?

Uhaul insurance covers damages to the truck and its contents caused by a collision, fire, theft, or other covered event. It does not cover damages caused by weather, vandalism, or wear and tear.

How Much Does Uhaul Insurance Cost?

There is no one definitive answer to this question as the cost of Uhaul insurance will vary depending on a number of factors, such as the value of your goods, the distance you are travelling and the level of cover you require. However, as a general guide, you can expect to pay around $30-$40 for basic protection, with additional coverage options available for an extra cost.

Do You Need Uhaul Insurance?

If you’re renting a U-Haul truck, you may be wondering if you need to purchase insurance for your rental. While U-Haul does offer insurance coverage, it may not be necessary depending on your personal auto insurance policy and the state you live in.

If you have auto insurance that covers rental cars, you may not need to purchase additional insurance from U-Haul. However, it’s important to check with your insurer to be sure that your policy extends to rental trucks. Some policies only cover passenger vehicles, so a U-Haul truck would not be covered.

Even if your personal auto policy doesn’t cover rentals, you may not need to buy the insurance from U-Haul if you live in a state that requires rental companies to provide basic liability coverage. Currently, California, Colorado, New York and Washington have these laws in place.

So, do you need uhaul insurance? It depends on your individual circumstances. Be sure to check with your auto insurer and find out what coverage they provide for rental trucks. You may also want to check the laws in your state to see if rental companies are required to provide basic liability coverage.

How to Get the Best Rate on Uhaul Insurance

If you’re renting a moving truck from Uhaul, you may be wondering if you need to get insurance for the rental. The good news is that Uhaul offers insurance for their rentals, and it’s actually pretty affordable. Here’s what you need to know about getting the best rate on Uhaul insurance.

First of all, what does Uhaul insurance cover? The coverage is pretty comprehensive and includes things like collision damage waiver, liability insurance, and personal effects coverage. This means that if something happens to the truck while you’re renting it, or if you cause an accident, you’ll be covered.

The cost of Uhaul insurance depends on a few factors, including the value of the rental truck and the length of your rental period. However, you can expect to pay around $10-$15 per day for coverage. This is a pretty reasonable price considering the peace of mind it provides.

If you want to get the best rate on Uhaul insurance, there are a few things you can do. First, make sure to shop around and compare rates from different companies. There’s no need to pay more than you have to!

Secondly, consider increasing your deductible. This will lower your premium costs but it also means that you’ll have to pay more out of pocket if something does happen. Choose an amount that you feel comfortable with and that won’t break the bank should something happen.


In conclusion, if you are renting a Uhaul truck or trailer, it is important to know whether you need insurance coverage. In most cases, the state minimum liability insurance will be sufficient for your needs, but in certain circumstances additional coverage might be necessary. It’s always best to check with your rental company beforehand so that you can make sure that you have the right level of protection for your move.