Renting out your motorhome can sound like an easy way to earn a little extra cash, especially in Texas, where long drives and weekend camping trips never go out of season. But once someone else is in the driver’s seat, the situation changes fast. Without the right insurance through Hermes Insurance Solutions, serving Sanger, TX, a single mishap could leave you paying for repairs or legal costs on your own.
Why Standard Coverage Falls Short
A personal motorhome policy is built for private use, not business or rental activity. If a renter backs into another vehicle, causes an accident, or even damages the interior, your insurer may decide the claim isn’t covered. Some policies are strict about who can drive, so even lending it to a friend could create problems. Before you rent, call your insurance agent and spell out your plans. They can help you find options that keep you protected no matter who’s behind the wheel.
The Right Way To Insure a Rental Motorhome
Some carriers offer short-term rental endorsements or full commercial policies designed for shared use. These can include liability protection, collision coverage, and even compensation if your motorhome is out for repairs after a covered loss. A few rental platforms partner with specialty insurers that take care of these details automatically, but don’t assume you’re covered. Always read the fine print and confirm who’s responsible for what.
Weather and Texas-Sized Risks
From hailstorms to flash floods, Texas weather doesn’t always play nice. Comprehensive coverage helps protect your motorhome from natural disasters, parked or on the move. Earthquakes may be rare here, but checking whether your policy includes them never hurts.
Renting out your motorhome can be worthwhile, but only if your coverage is as road-ready as the vehicle itself. Contact Hermes Insurance Solutions, serving Sanger, TX, to learn more.
