As of February 2015, people who rent motor homes can usually either insure the motor home through their automotive insurance as an additional vehicle or purchase insurance through the motor home company. Motor home rental companies also typically require a security deposit that varies in price.
Motor home renters should check if insurance is included in the daily rental rate. They should also find out if the insurance is primary or secondary. A primary policy can pay to its limits when an accident occurs. A secondary policy only comes into play when the primary policy has paid to its limit already, and there are still additional costs. If the company's insurance is secondary, the renter's automotive insurance has to pay to its limits first in the event of an accident.
Renters should also find out how much the deductible costs. It typically starts at about $1,000, but can be much higher. The amount of insurance available and what it covers, are also important considerations. Accidents in motor homes tend to be more costly than accidents in a car, so adequate liability insurance is necessary. Depending on the insurance, personal injury costs and uninsured motorist damages may or may not be covered.
Many companies allow supplemental insurance to be purchased instead of just the minimum. Renters should verify who is allowed to drive the vehicle. Drivers under the age of 25 may not be insured.