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Do I have coverage if I rent a moving truck?

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Mark Blog PhotoIf you're planning a family move or sending your child off to college this fall, you may be planning to rent a moving truck or trailer to haul all that stuff. We often field questions from our policyholders this time of year about whether the rental is covered by their WEA Property and Casualty insurance policy. Here is how we handle these types of rental vehicles.

We do not provide any coverage for moving trucks. However, belongings inside the moving truck are covered under your home policy up to the coverage limits of your policy. Personal property is covered if it is stolen or damaged in an accident but not for breakage while in transit or moving into the new home. We recommend that you purchase liability and physical damage coverage from the rental company.

We do cover utility or moving trailers. If you rent a utility or moving trailer to help you move your belongings, your policy extends your liability coverage to the trailer and also provides up to $500 for physical damage to the trailer. Again, your personal belongings are covered under your home policy up to the coverage limits of your policy.

However, if you have coverage with another insurer, check your policy before you rent to make sure you have the protection you need.

As always, if you have any questions, please contact us toll free at 1-800-279-4010.

Mark Dannehl, Personal Insurance Consultant