The Best Protection Packages

Outdoorsy is proud to partner with Mobilitas, Lloyd’s of London, and International Medical Group to protect the safety of our Guests and Hosts worldwide by some of the world’s best insurance companies.

Our partners support our mission of providing high-quality protection packages and services to meet the needs of the Outdoorsy community. We chose to work with these partners because they operate in a manner consistent with our values and principles.

Behave with integrity
Deliver an exceptional customer experience
Continuously improve and innovate
Execute thoroughly and seek excellence

Protection for Hosts

Enjoy peace of mind during your rentals. Outdoorsy Protection Plans can be included in your RV bookings at no cost to you when you book through Outdoorsy. Coverage during the rental period includes:

Up to $1M in liability coverage
Up to $300,000 in comprehensive and collision coverage based on the value of the RV

Protection for Guests

Guests have the option to select from standard protection plans offered through Outdoorsy and choose which offering is most applicable to their travel needs. Protection Plans for motorhomes and travel trailer rentals include:

State statutory limits of liability (with an option for $500,000 with the Peace of Mind package)
Up to $300,000 in comprehensive and collision coverage based on the value of the RV
24/7 Roadside & Technical Assistance, towing, and tire service*

*Specific coverages provided on Stationary bookings

We’ve raised the bar when it comes to trust and safety. Our Protection Packages and Roadside & Technical Assistance coverages are listed below. Click the chart to enlarge it.

For more details on Coach-Net coverages and payment responsibility for services, please see What is the Outdoorsy Roadside Assistance Program?

Coverage for our protection plan includes the following:

Unfortunately, mishaps occasionally happen out on the road. Rest assured we have you covered. Here are some of the incidents covered by our protection packages:

Backup Accidents
Vandalism
Fires
Theft
Power Surge
Earthquakes
Fallen Trees
Windstorms
Hailstorms
Animal Impact

For full details regarding our protection package coverages click here.

Roadside and Technical Assistance via Coach-Net

Additionally, some services are provided by Coach-Net:

24/7 Technical Assistance
Towing
Tire repair / replacement
Battery boost / jumpstart
Lockout / Locksmith
Fuel / Fluid delivery
Mobile Mechanic
Winching
Concierge Services

Roadside and Technical Assistance Coverage on Stationary bookings

Stationary bookings are strictly prohibited from be moved or driven by the Guest, as doing so voids the protection package for the entire trip. The following services are included:

24/7 Technical Assistance
Lockout / Locksmith
Mobile Mechanic
Concierge Services

How the Protection Packages work

A few things to understand about Outdoorsy’s Protection Packages:

Hosts who are eligible for Outdoorsy Protection Packages are covered with collision, comprehensive, and liability.
Guests who book an RV with Outdoorsy are provided the minimum liability coverage as dictated by the state unless a higher limit is chosen by purchasing a different bundle.
Coverage is provided on an excess (or secondary) basis – If there is damage, any Guest’s primary insurance (whether personal or commercial insurance) will apply first and then the Outdoorsy Protection Package will be secondary or also known as excess. If there is no other policy in place that provides coverage, our policy will then be primary.

IMPORTANT: As a Host, be sure to validate that your personal insurance policy permits rentals. If your personal policy does not permit rentals, you may be liable to be dropped from your policy. This may also occur with any applicable warranties. Contact Roamly today to get your free quote.

Checklist to make sure I’m properly covered before the trip starts:

Verified drivers: All drivers must be verified before they drive the RV to be covered by our Protection Package. Drivers must be at least 25 years of age (21 for select conditions), have a current license, and have a clean driving history.
Drivers aged 21 - 24: A Guest who is at least 21 years old may book a reservation, be verified as a driver, and be covered by Outdoorsy insurance, provided they meet the following conditions:

Location: The listing must be located within the U.S. or Canada/coverage is only for U.S. and/or Canadian trips.

RV Value: The RV booked must have a value under $75,000

RV Type: The RV booked must NOT be a Fifth Wheel OR Class A RV

Insurance package: Only the Essential OR Stationary insurance packages are available for bookings made by Guests under 25 (but at least 21).

Additional Young Driver Fee: A $25 per night fee is applied to the reservation if the primary driver is below 25 but at least 21. This is a single charge, regardless of any other young drivers added to the booking.
Drivers aged 25 and older: Such Guests have no additional conditions or restrictions on their rentals, beyond meeting the general Verified Driver requirements.

They are eligible to rent all RV types with any of the available protection packages, without the additional fees or the specific limitations on location and RV value that apply to younger drivers.

Photos: The more pictures, videos, and documentation the better. Pre-trip photos must be taken no more than 24 hours before the Guest's departure. Post-trip photos must be taken within 48 hours after the Guest's return. All photos should be taken within the app, where they can be time-stamped and uploaded later, if needed. In the event of a claim, this helps considerably to quickly and efficiently handle the claim.

Key exchange: all required sections must be completely filled out and signed within the app for both departure and return.

Claims: in the unfortunate event of a claim, it must be submitted within 48 hours* of the end of the booking in order for coverage to potentially apply.

*Wheelbase Hosts have 14 days to submit a claim for coverage to potentially apply.

How do I file a claim?

The road is a wonderful place to be, but every once in a while there are bumps along the way. As hard as we fight against this, there’s always that small chance that a Guest might cause damage to your RV. If this happens to you, our dedicated claims team will be here to help you get the damage covered and your RV back on the road in a flash.

How do I start a claim?

Select Booking: Log in to your account, go to the Bookings tab, and select the specific trip
Access Claims: Click the Protection Package tab and select "File a Claim"
Submit: Complete the form; a claims team member will follow up with you

Important: All claims must be submitted within 48 hours after the booking ends, and pre- and post-trip photos must be taken within the app.

What documents do I need to file a claim?

For your claim to be complete, we may require the following be submitted:

Completed and signed key exchange process within the app
Pre-trip photos and post-trip photos taken within the app
Your most recent 90-day inspection documentation (for Hosts only)

What happens after I file a claim?

Our claims process will generally unfold in the following way if we receive a denial letter from the Guest’s primary carrier first:

Excess Coverage – Guests are responsible to file a claim with the personal (or commercial) insurance carrier. In the event your carrier denies the claim, please submit the denial letter and relevant documentation.
Gathering Information — Our claims team will ask for any other pertinent information to move forward with your claim. This includes a statement from your Guest, any other evidence that is required, and proof of ownership (e.g., registration, title).
The Estimate — While our claims team is gathering information, our appraisal team at Outdoorsy will do the heavy lifting for you. They’ll contact you once your claim is filed to get photos of your rig, including the damage, and have an estimate completed.
Confirming Coverage — We’re almost there! Your adjuster will review the statements, documents, photos, estimate, and all other necessary information to confirm it’s a covered loss.
Payment — Hate waiting for a check? We make claim settlements a breeze with direct deposits. We’ll notify you via email once your payment is ready. Simply follow the instructions to enter your bank information, and it’ll arrive within 24-48 hours.
Closing the Loop — Once you have payment in hand, we’ll charge the Guest their deductible and handle any other outstanding issues that might be present (e.g., if a third party is involved). Feel free to take your estimate and payment to any shop of choice to get the repairs started.
Post Claim Follow-Up — If your repair shop requests a supplement, this simply means that they need additional time and/or expense to complete the work. They can request a supplement by using the instructions on the first page of the estimate.

We know it’s never fun when your RV gets damaged. That’s why we’ve got an entire team devoted to helping you navigate the claims process so you can get back on the road ASAP.

How do I follow up on a filed insurance claim?

To follow up on a claim you’ve already filed, the best approach is to stay within the established communication channels to ensure your message reaches the appropriate team.

Here is the best way to check on your claim status:

Use our 24/7 Claims Status Tracker

Available anytime at https://www.outdoorsy.com/claims/status.
All you need is your Claim number and the date of loss to access your Claims details.
Click the Email the team button to contact your adjuster, attach photos or other documents, etc.

Check Your Email

Most communication from the Claims Team happens via email. Look for a message sent within 24–48 business hours of your initial filing.
Action: Search your inbox (and spam folder) for emails from @outdoorsy.com.
Pro Tip: Replying directly to the last email sent by your adjuster is the fastest way to get an update, as it keeps your message threaded with your specific claim file.

Use the Claims Hotline

If you haven't heard back within the expected 48-business-hour window, or if you have an urgent question, you can call the dedicated claims line:
Claims Reporting & Follow-up: +1-855-441-2006
Hours: Monday – Friday, during standard business hours.

Contact via Email

You can send a direct inquiry to the general claims inbox. To help the team find your file quickly, be sure to include your Booking ID in the subject line.
Email: claims@outdoorsy.com

Other Available Protection Offerings?

Interior coverage offers extra peace of mind for damages like broken appliances, damaged interior doors, and stained bedding or linens.

Trip protection can reimburse you if a covered situation (e.g. medical event or natural disaster) interrupts or stops the trip before it starts.

Other Contact Information

Customer Service

Call us at 1-877-723-7232 Mon – Sun, 24 hours a day
Chat with us on Outdoorsy.com Mon – Sun, 24 hours a day
Email us at support@outdoorsy.com

Roadside and Technical Assistance

Call us at 1-877-978-7222 (we answer 24/7)