What Does U Haul Insurance Cover? (Find Out Now!)

U Haul Insurance

U Haul insurance is a service offered to people who rent their equipment. Their insurance packages cover damages to the vehicle and the cargo it carries. It also covers medical expenses for the driver and any passenger who may be on board. Lastly, some of their packages offer coverage for liability to the tune of $1,000,000. 

It shouldn’t be surprising that U Haul offers insurance to its customers since the nature of the business is high risk.

Transporting property in heavy-duty vehicles is a handful, and once the process is spread over several days, there is a higher risk of properties being stolen or damaged.

You may want to rely on your auto insurance or renter’s policy when transporting your belongings with rental vehicles, but we advise you to take up additional coverage.

Fortunately, U Haul has designed several insurance packages that offer the protection necessary for transporting items via rental equipment.

U Haul Insurance Coverage 

U Haul Insurance covers several packages with different levels of coverage; we explained them below.


The Safemove package is specific to moving trucks. The package includes:

1. Accident coverage to the rental equipment. However, it does not cover damages caused by collisions with overhead objects.

2. Protects cargo from damages caused by collision, fire, overturn, and windstorm

3. Medical expenses for the driver and passengers

Safemove Plus

Safemove plus covers moving trucks and include:

1. Everything covered in Safemove 

2. Coverage for damage caused by collision with overhead objects

3. Supplemental personal liability to the tune of $1,000,000

Pickup Truck And Cargo Van Coverage

U Haul Pickup Truck And Cargo Van Coverage

U Haul offers collision damage and waiver coverage for their fleet of cargos and trucks. This features a $150 deductible on accidental damage. For corporate customers, other deductibles may apply.

Safe To

The Safe to package is available for trailers, tow dollies, and auto transport rentals. It covers damage on the rental equipment and medical expenses for drivers and passengers. The package also includes multiple levels of cargo protection.

Safe Trip

Safe trip offers roadside assistance at a flat rate. The package covers:

1. Fuel delivery

2. Jump starts 

3. Lost keys

4. Lockout service

5. Trailer hook-up problems 

6. Stuck vehicles

Safestor And Safestor Mobile

Safestor policy covers your property while it is stored in U Haul’s storage facilities. The Safest mobile policy covers property in moving containers. These packages cover your property from several perils. A few of them include:

1. Burglary

2. Fire

3. Water leakages

4. Explosions

5. Earthquakes

6. Vandalism

7. Vermin

What Is U Haul Insurance?

U Haul insurance is a package offered to customers when they rent one of their equipment. This equipment could be a van, truck, trailer, or tow dollies. Whatever the case, the company offers several insurance packages for any equipment you are renting.

Your auto or renter’s insurance policy may offer limited coverage for passenger cars, but it is unlikely that they will offer any coverage for vehicles designed for moving cargo.

Renting equipment from U Haul without insurance puts you at risk of paying out of pocket if you have an accident. 

U Haul’s insurance packages are more comprehensive than that of your auto policy. Not only will they offer coverage for medical expenses and damages to the equipment, but they also offer protection for your cargo. But, of course, all this is dependent on what package you apply for.

Your Current Policy Vs. U Haul

We wouldn’t advise you to jump into accepting or declining insurance from U Haul. Before you make a decision, get in touch with your current insurance provider to find out what your current policy covers.

The usual case is that your policy cannot offer you all the protection you need. For example, your auto insurance or homeowner’s policy can only offer limited protection on any renting equipment.

It would be in your best interest to purchase additional coverage from U Haul. Any insurance package your purchase from them will be more comprehensive, covering both the equipment and the items being transported. 

The liability on U Haul’s insurance packages goes as high as $1,000,000. This is a huge benefit for people renting heavy-duty equipment.

Alternatives To U Haul

One great thing about life today is the ability to choose. Remember, you are free to decline U Haul’s insurance offer on insurance for any other company of your choice. 

Below we listed other rental agencies with similar packages to U Haul:

Penske Truck Rental InsuranceBudget Truck Rental InsuranceEnterprise Truck Rental
Covers damage to rental trucks and towing equipment Covers medical expenses and accidental death Offers up to $1,000,000 in liability Offers up to $15,000 coverage for personal itemsCovers damages or theft of equipment Provides liability for bodily injuries Covers personal vehicles towed with their equipmentWaives or reduces renters responsibility to damage or loss of equipment Covers medical expenses Provides up to $300,000 in liability coverage 

Frequently Asked Questions

We’ve provided a list of frequently asked questions and answers about U Haul Insurance Cover. Check them out!

Are There Age Restrictions For Renting At U Haul?

U Haul rents equipment to people as young as 16years; however, the trucks are reserved for drivers that are 18 and older. No matter what age you are, all renters must possess a government-issued driver’s license to rent from U Haul.

What Is The Cost Of U Haul Insurance?

How much you spend on U Haul insurance depends on where you are located. Some packages go for as low as $16 per day, while others cost as much as $30.

When Renting From U Haul, Are My Insurance Details Necessary?

This depends on whether you accept the company insurance package or not. When renting U Haul equipment, you will be required to provide proof of insurance if you decline their insurance.


U Haul insurance offers several packages with different levels of coverage and at an affordable rate. It would be best to purchase any of these packages when moving your belongings via their rental equipment. The reason is that it would save cost by reducing the amount you would spend out of pocket in the event of a peril.

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