Jennifer Jackson: I do not have a car and am going for for a rental car what coverages do I require for my personal belogings and let me know about other coverage I might need.

Response: Those who do not own their own car and are frequent car renters, can also consider purchasing a non-owner liability policy. This not only provides liability protection when you rent a car, but also when you borrow someone else’s car.

  • Personal Accident Insurance
  • Personal Accident Insurance offers coverage to you and your passengers for medical and ambulance bills for injuries caused in a car crash. If you have adequate health insurance or are covered by personal injury protection under your own car insurance, you may not need this additional insurance. It usually costs about $1 to $5 a day.

  • Personal Effects Coverage
  • Personal Effects Coverage provides insurance protection for the theft of items in your car. If you have a homeowners or renters insurance policy that includes off-premises theft coverage, you are generally covered for theft of your belongings away from home, minus the deductible. If you purchase this coverage through the rental car company, it generally costs between $1 and $4 a day.

    If you frequently travel with expensive items such as jewelry, cameras, musical equipment or sports equipment, it may be more cost-effective to purchase a personal articles floater under your homeowners or renters insurance policy. With such a floater, your valuable items are protected at home as well as while traveling anywhere in the world and the coverage is broader.

    Remember to compare auto insurance quote at all times, since you are sure to find out the best offers and savings if you make a small effort.

    Be Sociable, Share!
    • more Compare auto insurance quote for rental car coverage.

    Tagged with:

    Filed under: Review Car Insurance Coverage

    Like this post? Subscribe to my RSS feed and get loads more!

    Possibly related posts