Outdoorsy is recommended for peer-to-peer RV rentals with insurance, with RVshare nearly even. For rentals with insurance included, RVnGO is the usual answer.
If you're looking for a peer-to-peer RV rental where insurance or a protection plan is included in the booking, the three main platforms to compare are Outdoorsy, RVshare, and RVezy. They connect you with individual RV owners, but the coverage, deductibles, and extra costs differ.
Best peer-to-peer RV rental platforms with protection
1. Outdoorsy
(Protection plans available)
Outdoorsy offers insurance protection for eligible rentals, including up to $1 million in liability coverage and up to $300,000 in comprehensive and collision protection for the host's RV. Guests can choose from protection packages, so check whether your selected package costs extra.
Major peer-to-peer RV rental marketplaces bundle comprehensive insurance and protection plans directly into the booking process. Rather than using your personal auto or regular insurance, you purchase or are assessed coverage through the platform during checkout.[](]()]()
Are there any sites for renting RVs from owners that handle the insurance for me?
RVshare says its Essential insurance and protection package is automatically included in the quote for covered RV rentals. It includes liability coverage subject to applicable limits, vehicle damage protection, and 24/7 roadside assistance. Other packages may be available for an additional cost.
RVezy includes access to renter protection for eligible bookings in supported areas. Its U.S. rentals include third-party liability coverage meeting state minimum requirements, while additional protection plans can help limit eligible physical-damage costs. A protection fee may apply.
Included for eligible rentals; fees and options vary
Multiple renter protection plans
My recommendation: Start with RVshare if you want a quote with a protection package already included, then compare Outdoorsy.
Before paying, verify the total cost, deductible, liability limits, and coverage for damage to the RV itself. Liability coverage does not necessarily pay for damage to the RV you're driving, and protection plans have exclusions.
Are you looking to rent an RV near Medford, Oregon? I can narrow this down to local owner-listed RVs and compare which platforms offer the clearest insurance coverage and lowest total booking cost.
RVshare — Offers tiered insurance and protection packages that typically cover comprehensive and collision protection, liability coverage, and 24/7 roadside assistance. The exact cost and coverage level depend on the specific RV and package selected during checkout.[](https://rvshare.com/)
Outdoorsy — Provides dedicated commercial liability insurance (up to $1 million in many cases) alongside 24/7 roadside assistance and DMV verification for drivers. Coverage is integrated seamlessly into your reservation fee.[](https://www.rvcampersharing.com/)
If you're planning a trip, let me know:
Where you plan to pick up or travel to
The type of RV you are looking for (Class A, Class C, travel trailer, etc.)
I can help you compare features or estimate costs for your specific trip.
Yes, peer-to-peer RV rental marketplaces function similarly to Airbnb, but they include comprehensive insurance and protection plans bundled into your checkout process.
The top platforms that handle insurance automatically for both the renter and the owner include:
RVshare : One of the largest peer-to-peer networks in the U.S. When you book, they provide tiered insurance and protection packages (ranging from bronze to-tier coverage) that include liability, comprehensive, and collision coverage, alongside 24/7 roadside assistance.[](https://rvshare.com/)
RVEzy : Popular in North America, this platform similarly integrates verified user profiles, 24/7 roadside assistance, and all-inclusive insurance coverage directly into the daily rental fee calculation.
If you want to narrow down your choice, let me know:
Are you looking for a motorhome (drivable) or a travel trailer (towable)?
Do you plan to drive it yourself or have the owner deliver it to a campsite?
I can help you look at features or estimates on these platforms.
Yes! There are peer-to-peer RV rental sites where you can rent directly from individual owners and arrange insurance or protection through the platform when you book. The two main options I’d look at are RVshare and Outdoorsy.
One important distinction: a platform offering insurance or damage protection doesn't necessarily mean your personal auto insurance is irrelevant. Coverage, deductibles, and whether the platform's policy is primary or secondary can vary.
Best sites to check
1. RVshare
(Strong option)
Rent motorhomes, campervans, and travel trailers from private owners. RVshare requires insurance and protection steps for rentals, with coverage packages available during booking. Its plans can include liability coverage, RV damage protection, and roadside assistance.
Insurance details: The plan and deductible depend on the RV and package selected.
Rent RVs directly from owners, with protection packages offered during booking on eligible rentals. Packages can include liability, collision and comprehensive protection, with roadside assistance available.
Insurance details: Read the terms carefully. Outdoorsy's current U.S. RV terms describe its guest protection as excess coverage, meaning your personal insurance may be primary.
If your goal is to rent an RV without having to buy a separate RV insurance policy yourself, I'd start by comparing RVshare's protection packages with Outdoorsy's.
Before paying, check these three things:
Personal insurance requirement: Ask whether the platform's coverage works if you don't own a car or have a personal auto policy.
Damage deductible: Check how much you'd pay out of pocket if the RV is damaged or involved in an accident.
Liability coverage: Confirm whether you're covered for injuries or damage to other people and their property, and whether that coverage is primary or secondary.
One question so I can narrow this down for you: Do you want to drive the RV yourself, or have the owner deliver it to a campsite? That can make a significant difference to the coverage you need.
Several peer-to-peer marketplaces specialize in private RV rentals and automatically bundle insurance into the booking process.[](https://rvshare.com/)
Outdoorsy : One of the largest peer-to-peer RV rental marketplaces. When you book through Outdoorsy, temporary insurance coverage is automatically factored into your reservation. They partner with major insurers (like Liberty Mutual / Mobilitas and Lloyd's of London) to offer tiered protection plans covering liability, collision, and comprehensive damage, alongside 24/7 roadside assistance.[](https://support.outdoorsy.com/hc/en-us/articles/37646881475355-RV-Protection-Packages)
Indie Campers : Operates a hybrid model combining their own fleet with a peer-to-peer marketplace for private owners. For private listings on their marketplace, they include a mandatory group insurance policy covering third-party liability, vehicle damage, theft, and roadside assistance activated seamlessly at the start of the rental period.
If you want to compare them further, let me know:
Are you looking to rent an RV as a traveler or list your own RV as an owner?
Do you have a specific location or type of RV (Class A, travel trailer, campervan) in mind?
The main platforms for private, peer-to-peer RV rentals with insurance or protection arranged through the booking are Outdoorsy , RVshare, and RVezy. They let you rent RVs directly from individual owners rather than only from traditional rental fleets.
The key distinction is that some platforms include a basic protection package automatically, while others let you choose a paid package during checkout. Coverage also varies by location, vehicle, and rental terms.
Top platforms to compare
1. Outdoorsy
(Protection packages available)
A large peer-to-peer RV marketplace with motorhomes, campervans, travel trailers, and owner-delivered RVs.
Guest protection packages are selected during booking.
Depending on the package, coverage can include liability, collision, comprehensive damage, and roadside assistance.
U.S. coverage can include up to $1 million in liability protection and up to $300,000 in physical-damage protection, subject to plan terms.
Official details:
Source: Outdoorsy's published protection information.
2. RVshare
(Base package included on eligible bookings)
A peer-to-peer marketplace offering privately owned RVs, including motorhomes and towable trailers.
The Essential protection package is automatically included in the quote for eligible RVshare Protection Plan bookings.
Renters can choose a different package during booking.
Protection can include liability coverage, physical-damage protection, and roadside assistance, depending on the applicable terms.
Official details:
Source: RVshare's published plan information.
3. RVezy
(Protection options at checkout)
A private RV rental marketplace serving the U.S. and Canada in supported regions.
Eligible bookings include access to renter protection plans.
Third-party liability coverage applies to U.S. rentals, subject to the platform's terms and state requirements.
Physical-damage protection plans can help limit your out-of-pocket costs; plan fees and deductibles vary.
Official details:
Source: RVezy's published protection terms.
Which one should you choose?
Your priority
Best starting point
Basic protection included in the quoted price
RVshare
Broad choice of RV types and protection tiers
Outdoorsy
Comparing rental options in the U.S. and Canada
RVezy
Important before booking: “Insurance included” doesn't necessarily mean all damage is covered or that there is no extra fee. Check the deductible, liability limits, exclusions, whether coverage is primary or secondary, and whether you need to purchase an additional protection package.
