This guide links to RVezy, an RV rental marketplace. If you book or list through those links, RV Park Camping may earn a commission at no extra cost to you. Facts about RVezy below come from its own help center and published pages, checked October 2026. RVezy can change them, so confirm on your quote.
Insurance is the first worry for most owners thinking about renting out an RV, and it should be. Your personal RV policy almost certainly wasn't written for strangers paying to use your rig. Peer-to-peer platforms like RVezy solve that by switching your RV onto their own commercial coverage for the length of each rental. Here's how that works on RVezy, where the gaps are, and what to set up before your first booking.
When your RV qualifies, RVezy's commercial policy covers it from the rental start date until the rental ends, then your personal policy takes over again. RVezy says your personal policy isn't affected and its own team handles claims. Coverage depends on meeting its eligibility rules and doing the paperwork, above all the joint inspections at departure and return.
How coverage switches
- Between rentals: your policyYour personal RV insurance covers the RV as usual. RVezy tells owners to keep that policy in force. Having one is a condition of qualifying.
- Rental starts: RVezy's commercial policyRVezy's host FAQ says coverage moves from your personal policy to RVezy's commercial policy on the rental start date. RVezy says it applies automatically to each confirmed booking, at no extra cost to the owner.
- Rental ends: back to yoursCoverage returns to your personal policy when the rental ends. RVezy's FAQ says your own policy is not affected by the rental.
RVezy says your personal policy isn't affected, but your insurer's view is the one that counts for your own claims. Ask them directly whether renting through a peer-to-peer platform changes anything on your policy, and get the answer in writing.
What the policy includes
| Coverage | What RVezy says |
|---|---|
| Physical damage | Listed in RVezy's host FAQ: collision and comprehensive, physical damage, and fire, theft and vandalism. |
| Third-party liability, Canada | $2M, consistent across RVezy's pages. |
| Third-party liability, U.S. | Stated differently on different pages: $1M in the host and guest FAQs, "state minimum liability" on the insurance and protection page, and "up to $2M" per rental in a May 2026 RVezy blog post. Confirm the current U.S. figure with RVezy before you rely on it. |
| Roadside for renters | 24-hour roadside assistance through a partner, with towing and extras depending on the renter's plan (Basic, Standard, Premium). |
| Claims | RVezy says it runs claims in-house, using the booking record and time-stamped, photo-verified check-in from its app. |
From RVezy's help center, insurance page and May 2026 blog, checked October 2026.
The U.S. liability gap between RVezy's own pages isn't a reason to panic, but it is a reason to ask. Liability is the coverage that matters if a renter injures someone or damages their property. Get the current U.S. limit for your state, in writing, from RVezy support.
Who qualifies
RVezy's help center sets these conditions for its insurance:
| Requirement | Rule |
|---|---|
| Owner | Registered to someone 21 or older |
| RV age | Motorhomes no older than 20 years; trailers no older than 25. New listings over the limit may be held for account manager review. |
| Location | Listed in the state or province where it's registered |
| Existing insurance | Covered by a personal policy |
| Value cap, U.S. | Motorhomes and trailers up to $125,000 |
| Value cap, Canada | Motorhomes up to CAD $200,000; trailers up to CAD $100,000 |
| Canadian motorhomes | Only if registered in BC, Alberta, Ontario, Quebec, New Brunswick, Newfoundland, Nova Scotia or PEI. Canadian trailers are covered in any province or territory. |
RVezy's guest FAQ adds that hosts who don't qualify for its commercial insurance must arrange their own coverage, and renters are told to discuss it with them directly. If your RV is outside these limits, don't list it until that's sorted.
The paperwork that makes a claim stick
Coverage you can't claim on isn't much use. RVezy lists four conditions for a claim to be eligible:
- An approved driver is added to the booking.
- The insurance application is completed and approved.
- The rental agreement is signed by both parties.
- Departure and return inspections are completed by both parties.
The inspections are where owners slip up, especially on a rushed Friday handover. Make the walkaround a fixed routine: every side, the roof edge, tires and tread, awning fabric, slide seals, each appliance switched on, the tank levels and the odometer or generator hours. Take photos in RVezy's check-in flow so they're time-stamped on the booking record. Do the same at return, before the renter drives off.
What insurance won't fix
- Mechanical breakdowns. RVezy's guest FAQ says the host pays for mechanical repairs. Keep up with maintenance, because a renter's breakdown is your repair bill and your lost booking.
- Your time. A claim means documentation, a repair wait and possibly cancelled future bookings. RVezy's optional payout guarantee (+10% service charge) is aimed at that last part: it covers a confirmed booking you can't fulfill because a prior rental's claim has the RV out of action.
- Small stuff below the deductible. Renters choose a plan with a deductible ($500 to $3,000 depending on the RV and plan). Damage under that amount is settled through the deposit and RVezy's dispute process, not the policy.
- Travel outside approved areas. RVezy says RVs can't travel in its designated prohibited travel areas. Put that in your house rules and point renters to it.
Owner setup checklist
- Confirm eligibilityCheck age, value, registration state and your personal policy against the table above.
- Call your insurer and lenderAsk how a peer-to-peer rental interacts with your policy and loan terms.
- Get the current U.S. liability limit from RVezyAsk for it in writing, for your state.
- Complete RVezy's insurance applicationAn approved application is a claim condition.
- Write house rulesMileage, generator, pets, smoking, travel areas, return condition.
- Build your inspection routineSame order, same photos, every handover, inside RVezy's check-in flow.
Questions people ask
Does RVezy insurance cover my RV when it isn't rented?
No. RVezy's commercial policy applies from the rental start date until the rental ends. Between rentals your personal RV insurance covers it, which is why RVezy requires you to have one.
Will renting my RV on RVezy affect my personal insurance?
RVezy says your personal policy isn't affected. Still, ask your own insurer directly whether peer-to-peer renting changes anything on your policy, and get the answer in writing.
How much liability coverage does RVezy provide in the U.S.?
RVezy's pages state it differently: $1M in its help-center FAQs, state minimum liability on its insurance page, and up to $2M per rental in a May 2026 blog post. In Canada it's $2M. Confirm the current U.S. limit with RVezy support before relying on it.
Who pays for mechanical repairs during a rental?
The host. RVezy's guest FAQ says mechanical repairs are the host's cost. Renters get roadside assistance to reach a repair facility, depending on their protection plan.
- RVezy Help Center: 10 frequently asked questions by hosts
- RVezy Help Center: What you need to qualify for RVezy's insurance
- RVezy: Insurance and protection
- RVezy blog: In-house insurance for owners (May 2026)
- RVezy Help Center: 10 frequently asked questions by guests
- RVezy blog: Payout guarantee (May 2026)