Should I Buy Uhaul Insurance?

When you’re considering whether or not to buy Uhaul insurance, there are a few things to consider. In this blog post, we will explore some of the key factors to consider when purchasing such insurance. From coverage rates to exclusions, we’ll cover everything you need to know in order to make an informed decision. 

What is Uhaul Insurance?

If you’re considering buying uhaul insurance, here’s what to know.

Uhaul provides liability and property damage coverage for its customers in the event of an accident. Liability insurance protects you from personal injury lawsuits, while property damage covers damages to your vehicle and any personal belongings inside. You may also need uninsured motorist coverage if someone else is at fault for your accident.

You can buy uhaul insurance either as a stand-alone policy or as part of a comprehensive insurance package. A standalone policy usually costs less than comprehensive coverage, but it doesn’t include other types of coverage, such as accident forgiveness and roadside assistance. A comprehensive policy includes all the types of coverage mentioned above plus coverage for theft and animal damage. Comprehensive policies are usually more expensive, but they provide greater peace of mind in case of an accident.

Before purchasing uhaul insurance, be sure to read the policy carefully to understand what is covered and what is not. Also, be sure to ask your agent about any additional coverages that might be available, such as uninsured motorist protection. If you have any questions about uhaul insurance, don’t hesitate to call us at 1-800-743-4141 or visit us online at

How Does Uhaul Insurance Work?

Uhaul insurance is a type of coverage that can protect you and your belongings in the event of an accident. This type of coverage can help cover both physical damage to your truck and any associated costs, such as lost wages or rental fees.

In order to be eligible for uhaul insurance, you must have a valid uhaul rental agreement. Coverage begins the moment you make the reservation and ends when you drop off your truck at the end of your rental period. Uhaul insurance typically includes $500,000 in liability protection and $1 million in property damage coverage.

There are a few things to keep in mind when using uhaul insurance: first, make sure that you have all of the necessary documentation ready to go. This includes your rental agreement, driver’s license, vehicle registration and proof of insurance. Second, be prepared for questions from the claims adjuster. They may ask about the details of the accident, what was involved and who was at fault. Finally, remember that this coverage only covers accidents that occur while your truck is in their possession or while they are acting on behalf of uhaul.

What Are the Different Types of Coverage Uhaul Insurance Provides?

Uhaul insurance is a type of coverage that can help protect you and your belongings in the event of an accident. Uhaul insurance covers both rental trucks and trailers, as well as any items inside them. There are several different types of coverage available, and each offers its own benefits.

Coverage for rented trucks and trailers: This type of coverage pays for damages to the truck or trailer, as well as any personal property inside it. It can provide protection against theft, damage caused by natural disasters such as floods or earthquakes, and even personal injury while using the vehicle.

Coverage for personal property: This type of coverage protects your belongings from damage, loss, or theft while in the truck or trailer. It includes items like computers, furniture, and tools. Coverage can also be extended to include items outside the truck or trailer if they are being transported with it.

Collision Coverage: This type of coverage pays for damages that occur when the truck or trailer collides with another object. It can cover both rental trucks and trailers as well as personal vehicles used in connection with the rental business.

Property Damage Liability Insurance: This type of coverage helps protect you from financial losses if someone else is responsible for damages to either your rented truck or trailer or any personal property inside it.

Should I Buy Uhaul Insurance?

If you are planning to use a U-Haul truck for your moving needs, you may want to be sure to buy insurance. This is especially important if you are using the truck for an interstate move. Interstate moves are considered higher risk, and can result in more expensive damages if something goes wrong.

One thing to keep in mind when it comes to buying Uhaul insurance is that not all companies offer coverage. You will need to ask your insurer about their policy on U-Hauls and whether they will cover damage resulting from the use of the truck. It is also important to check the terms and conditions of your policy, as some insurers will only cover accidents that occur while the truck is in operation.


When it comes to moving, there are a lot of things to think about. But whether you’re renting or buying a truck, one of the most important decisions you’ll make is deciding if you need uhaul insurance. As the leading provider of rental trucks in the country, uhaul knows that renters and truck buyers alike rely on our trucks for their livelihoods. That’s why we offer comprehensive coverage options that can help protect your property and possessions during your move. So if you’re thinking about buying or renting a truck, be sure to add uhaul insurance to your list of considerations.