What Uhaul Insurance Should I Get?

When you’re renting a Uhaul, the last thing on your mind is probably insurance. But it should be! No one wants to get into an accident, but unfortunately, accidents do happen. That’s why it’s important to be prepared and have the right coverage in case something does happen. In this blog post, we will explore the different insurance options available through Uhaul and help you decide which one is right for you. We will also provide some tips on what to do in case you do find yourself in an accident. Read on for more information.

What is Uhaul Insurance?

Uhaul insurance is a type of insurance that covers the rental of Uhaul trucks. It is typically purchased by those who are renting a Uhaul truck for the first time, or by those who have had an accident while using a Uhaul truck. There are two types of Uhaul insurance: liability and physical damage.

Liability insurance covers the costs of damages that you may cause to other people or property while using a Uhaul truck. It does not cover the cost of damages to your own truck or belongings. Physical damage insurance covers the cost of repairs to your own truck if it is damaged in an accident. It does not cover the cost of damages to other people or property.

The Different Types of Uhaul Insurance

There are three different types of Uhaul insurance: Standard Coverage, Enhanced Coverage, and Premium Coverage.

Standard Coverage is the basic level of protection and is included in the rental price. It covers the truck, equipment, and contents against physical damage caused by collision, fire, theft, vandalism, or weather.

Enhanced Coverage is an optional upgrade that provides additional protection for your belongings. It covers your personal belongings against loss or damage due to fire, theft, weather, or vandalism.

Premium Coverage is the highest level of protection and covers your belongings against all risks. It includes everything in Standard and Enhanced Coverage, plus it provides additional protection for high-value items such as electronics and jewelry.

Pros and Cons of Uhaul Insurance

Uhaul offers two different insurance options for renters:

Option 1: Coverage for your rented truck and belongings inside of it.

This option covers the rented truck itself as well as any belongings that are inside of it. If there is an accident or the truck is damaged, Uhaul will reimburse you for the cost of repairs or replacement. This option does not cover any damage to other property (e.g., other vehicles, buildings, etc.).

Option 2: Full coverage protection.

This option provides coverage for the rented truck, your belongings inside of it, and any damage to other property that may occur during the rental period. If there is an accident or the truck is damaged, Uhaul will reimburse you for the cost of repairs or replacement. This option also covers roadside assistance in case of a breakdown.

What Coverage Should I Get?

There are three different types of coverage that Uhaul offers: liability, collision, and personal effects.

Liability insurance covers damages to other people or property if you’re at fault in an accident. It’s required in most states, and it’s a good idea to have even if it’s not required.

Collision insurance covers damages to your rental truck if you’re in an accident. It’s not required, but it can help cover the cost of repairs if you’re at fault.

Personal effects insurance covers your belongings while they’re in the rental truck. It’s not required, but it can help protect your belongings if they’re damaged or stolen while you’re renting.

How Much Does Uhaul Insurance Cost?

If you’re renting a Uhaul truck, you may be wondering how much insurance you need. There are three different levels of insurance available: Basic Coverage, Standard Coverage, and Premium Coverage.

Basic Coverage covers the truck and its contents in case of an accident. It costs $9 per day and has a $1,000 deductible.

Standard Coverage adds liability protection in case you damage someone else’s property. It costs $11 per day and has a $500 deductible.

Premium Coverage includes both Basic and Standard coverage, plus it provides protection against theft, vandalism, and natural disasters. It costs $19 per day and has a $250 deductible.

Alternatives to Uhaul Insurance

There are a few alternatives to Uhaul insurance that you may want to consider. The first is your personal auto insurance policy. If you have comprehensive and collision coverage on your personal vehicle, it may extend to a rented moving truck. However, you will want to check with your insurance provider to be sure.

Another option is credit card rental car insurance. Many major credit cards offer rental car insurance as a benefit. If you use a credit card to pay for your Uhaul rental, be sure to check if this coverage is included.

Finally, you can purchase standalone rental truck insurance from a third-party provider. This is usually the most expensive option, but it can give you the most comprehensive coverage. Be sure to compare quotes from multiple providers before selecting one.


In conclusion, getting Uhaul insurance is a great way to protect your belongings while you move. There are many different types of insurance available, so be sure to do your research and choose the one that’s right for you. We hope this article has been helpful in getting you started on your search for the perfect Uhaul insurance policy.