Insurance for Renting Out Your Converted Van: Outdoorsy, RVshare, and What Your Policy Actually Covers
Renting your van on Outdoorsy or RVshare creates an insurance gap most owners miss. Here's what the platforms cover and how to fill the gaps.
Renting out a converted van on Outdoorsy or RVshare can generate real income — $100 to $300+ per night depending on the build and the market. But the insurance situation is more complicated than either platform’s marketing suggests, and the gap between what you think is covered and what is actually covered can be expensive to discover at claim time.
The core problem: your personal RV insurance policy almost certainly excludes commercial rental use. The platform’s protection plan covers the rental period, but it is secondary coverage that sits on top of your personal policy. If the platform needs to file against your personal policy and your carrier discovers you have been renting the van commercially, they may not just deny the claim — they may cancel your personal policy entirely.
This article covers what each platform actually provides, what your personal policy does and does not cover, and how to structure insurance so rental income does not create an uninsured gap.
The Gap Most Owners Miss
Here is the sequence that creates the problem:
- You have a personal RV policy on your converted van (Progressive, Good Sam, State Farm, etc.)
- You list the van on Outdoorsy or RVshare
- A renter damages the van during a trip
- The platform’s protection plan covers the damage during the rental period
- Your personal carrier discovers you have been renting the van commercially
- Your personal carrier cancels your policy for undisclosed commercial use
Step 5 is where it breaks. Outdoorsy’s own help center explicitly warns hosts: “Be sure to validate that your personal insurance policy permits rentals. If your personal policy does not permit rentals, you may be liable to be dropped from your policy.”
Outdoorsy is telling you, on their own support page, that most personal policies do not permit rentals and that renting without the right personal coverage puts your entire insurance relationship at risk. This is not a hypothetical — it is the platform itself documenting the gap.
What the Platforms Cover
Both Outdoorsy and RVshare provide insurance during the rental period. The coverage is real, but it has limits and conditions that matter.
Outdoorsy Protection
Outdoorsy’s protection is underwritten by Mobilitas and Lloyd’s of London.
What hosts get (at no additional cost):
- Up to $1,000,000 in liability coverage during the rental
- Up to $300,000 in comprehensive and collision coverage based on the RV’s value
What guests choose from (3 tiers):
| Tier | Liability | Collision/Comp |
|---|---|---|
| Essential | State minimums | Up to $300K based on RV value |
| Preferred | Higher limits | Up to $300K based on RV value |
| Peace of Mind | Up to $500,000 | Up to $300K based on RV value |
All tiers include 24/7 roadside assistance through Coach-Net (towing, tire repair, battery boost, lockout, fuel delivery).
Covered vehicle types: Class A, B, and C motorhomes, travel trailers, fifth-wheels, Airstreams, truck campers, pop-ups, toy haulers, and “other specialty and custom RVs.” Converted vans are explicitly within scope.
Critical detail: Outdoorsy’s protection is excess (secondary) coverage. The guest’s personal auto insurance applies first. If the guest has no other policy, Outdoorsy’s coverage becomes primary. This means the platform coverage is real but conditional — it is not a standalone policy.
Optional add-ons: Interior damage coverage (broken appliances, damaged cabinets/walls, stained linens) and trip protection (reimburses if a covered situation prevents the trip from starting). Claims must be submitted within 48 hours of booking end, with pre-trip and post-trip photos required.
RVshare Protection
RVshare’s protection is underwritten by Crum & Forster, an AM Best “A”-rated insurance group.
What hosts get:
- Up to $1,000,000 in owner liability coverage
- Up to $300,000 in comprehensive and collision coverage based on RV value
Guest protection (4 tiers):
| Feature | Basic | Essential (default) | Preferred |
|---|---|---|---|
| Deductible | $1,500 | $1,000 | $500 |
| Liability | State minimum | State minimum | $100K/$300K/$50K |
| Campsite liability | $10,000 | $10,000 | $50,000 |
| Personal effects | — | $500 | $1,000 |
| Pet injury | — | $500 | $1,000 |
Every rental is required to carry RVshare protection — including stationary and delivered RVs. Coverage territory: all 50 states and Canada (not Mexico).
Age restriction: RVs older than 20 years receive liability coverage only (no collision/comprehensive).
Interior damage protection is available as an optional add-on (up to $1,500 for broken appliances, damaged doors/walls/fixtures, stained bedding, lost keys).
Critical detail: Like Outdoorsy, the Crum & Forster policy provides secondary (excess) liability coverage. The physical damage component of RVshare’s protection plan is technically not insurance — it is a contractual limitation of responsibility between RVshare and the host.
Turo: Not an Option
Turo explicitly excludes RVs from its platform. Their vehicle eligibility page lists RVs among ineligible vehicle types alongside limousines, motorcycles, and tow trucks.
A converted van that is still titled as a cargo van or passenger van technically might not trigger the “RV” exclusion at listing time. But Turo’s vehicle protection would not cover conversion-specific components, and discovery of the conversion during a claim could lead to denial. Turo is not a viable platform for converted vans.
What Your Personal Policy Does Not Cover
Standard personal RV insurance policies from Progressive, Good Sam / National General, State Farm, and other carriers are written for personal recreational use. They do not cover commercial rental use.
Neither Progressive nor State Farm publishes the specific exclusion language on their websites — it is in the policy contract, not on the marketing pages. But the absence of any mention of peer-to-peer rental on their published materials confirms the standard industry position: personal RV policies exclude commercial use.
If you rent your van on Outdoorsy or RVshare under a standard personal RV policy and your carrier finds out:
- Best case: The carrier adds a commercial use endorsement and increases your premium.
- Likely case: The carrier non-renews your policy at the end of the term.
- Worst case: The carrier rescinds the policy for material misrepresentation of use, potentially retroactive to the policy inception date.
The platform’s protection covers the rental period, so a renter-caused incident during a trip may be handled by Outdoorsy or RVshare’s coverage. But the discovery that you have been renting can happen anytime — during a claim, during a policy review, or through data matching.
How to Fill the Gap
There is one clear solution and a few workarounds:
The Roamly Solution
Roamly is the only insurance agency that explicitly positions its personal RV product as rental-friendly. Roamly is a licensed general agent that places policies through multiple carriers (Progressive, Safeco, Foremost, National General, Nationwide, Mercury). Their product is designed for owners who rent on Outdoorsy — the two companies have a formal partnership in which Outdoorsy refers hosts directly to Roamly for personal coverage.
Roamly’s product includes up to $20,000 in custom build protection, which is directly relevant for van conversions that standard carriers may undervalue. Because Roamly places with multiple carriers, the specific terms of the rental endorsement depend on which carrier underwrites the policy.
If you plan to rent your converted van on any P2P platform, Roamly is the most straightforward path to a personal policy that does not create a gap with the platform’s protection.
Separate Commercial Coverage
Some owners carry a separate commercial auto or commercial RV policy for rental periods. This is more expensive and more complex than a Roamly policy, but it works for owners who want to keep their personal and commercial coverage separate.
A commercial insurance broker can quote this. Expect higher premiums than personal use — how much higher depends on the rental frequency, the vehicle value, and the state.
Platform-Only (Risky)
Some owners rely entirely on Outdoorsy’s or RVshare’s platform protection and carry a personal policy that does not permit rentals. This works until the personal carrier discovers the rental activity. The platform coverage handles claims during rental periods, but the personal policy is at risk of cancellation. This is the approach Outdoorsy warns against on its own help center page.
What to Ask Before You List
Before listing a converted van on any rental platform:
- Read your personal RV policy’s exclusions section. Look for language about “commercial use,” “rental,” “livery,” or “for-hire.” If any of those terms appear as exclusions, your personal policy does not cover rental use.
- Call your carrier and ask directly. “Does my policy permit me to rent this vehicle to others through a peer-to-peer platform like Outdoorsy or RVshare?” Get the answer in writing.
- If your carrier says no, quote through Roamly before listing. The premium difference between a rental-permissive Roamly policy and a standard personal policy is the cost of being able to rent without putting your insurance at risk.
- Understand the platform’s coverage limits. Both Outdoorsy and RVshare cap physical damage at $300,000. If your van’s total insured value exceeds that, the platform’s coverage may not fully cover a total loss during a rental period.
- Document the van thoroughly before each rental. Both platforms require pre-trip and post-trip photos for claims. For a converted van with custom interiors, document every surface, every appliance, and every component.
Where to Go From Here
- Evaluating Roamly? Roamly Insurance Review
- Comparing all carriers? Best Insurance for Van Conversions
- Need full-timer’s coverage that also permits rentals? Full-Time Van Insurance Guide
- Worried about total loss during a rental? What Happens If Your Converted Van Is Totaled
- Insurance hub: Camper Van Insurance: The Complete Guide
Sources and Verification
- Outdoorsy — Insurance — Platform protection overview, Roamly partnership, host coverage details.
- Outdoorsy — RV Protection Packages (Help Center) — Detailed tier breakdowns, excess coverage structure, host warning about personal policy compatibility.
- RVshare — Insurance / Protection Plan — Crum & Forster underwriting, 4-tier guest coverage, mandatory coverage requirement, 20-year vehicle age limit.
- Turo — Vehicle Eligibility — RVs explicitly listed as ineligible vehicle type.
- Roamly — RV Insurance — Licensed general agent model, carrier panel (Progressive, Safeco, Foremost, National General, Nationwide, Mercury), $20K custom build protection.
Platform protection pricing is dynamic and calculated at booking time based on RV value, type, and trip duration. Neither Outdoorsy nor RVshare publishes fixed pricing on their insurance pages.
This article reflects published platform and carrier materials available as of April 2026. Platform protection terms, carrier partnerships, and coverage limits may change. Verify specific coverage with the platform and your personal insurance carrier before listing.