In addition, almost every motorhome owner will want to have comprehensive insurance to protect their RV from accidents and other forms of damage. Some states also require uninsured or underinsured motorist coverage. RV rental insurance: Offers limited liability, collision, and comprehensive coverageĪs with car insurance, your state will mandate the minimum liability coverage amount.RV liability insurance: Covers property damage or injury to others while using the RV.There are two types of insurance you’ll need if you’re planning to rent out your motorhome, regardless of whether you post on a peer-to-peer site, post a private ad, or just rent to a friend. Is Renting Out an RV a Good Idea at All?.Why RV Insurance for Rentals is Important.Making the Best Decision on RV Rental Insurance.Types of RV Insurance Needed for Rentals.