Damage protection programs
Protect yourself, protect your passengers, and protect your belongings.
Only U-Haul offers the most affordable protection programs to relieve our customers of responsibility for damage to U-Haul equipment.
Credit cards and most personal insurance policies DO NOT cover damage to rental trucks and trailers, even if they cover damage to rental cars. If yours does cover rental trucks, you have deductibles and increased premiums to consider and you must reimburse U-Haul immediately upon return regardless of coverage and regardless of fault. You are responsible for all damage to U-Haul rental equipment up to the full replacement value. But when you select a protection program, you may be relieved of this responsibility.
Please do not assume you are covered, check with your carrier first.
Moving equipment protection
Safemove ® — Moving protection
All bundled together for the lowest price in the industry.
Get protection and peace of mind during your move. Safemove is the best truck rental protection package offered by anyone in the self-moving industry and it's available at the lowest total cost.
Collision Damage Waiver
- Frees you of responsibility for any "accidental damage" to the rental truck
- No deductible**
- Subject to exclusions*
Cargo Protection
- Covers damage to your goods from collision, fire, upset, windstorm and overturn of the rental truck
- One-Way Rental, up to $25,000 of coverage
- In-Town Rental, up to $15,000 of coverage
- $100 deductible
- Protection is for actual cash value and is subject to exclusions*
Medical Protection
- Provides you and your passengers with up to $1,000 of coverage towards medical bills, in case of an accident
Life Protection
- Provides you and your passenger with life coverage in the case of a fatality
- Lessee loss of life, up to $25,000 of coverage
- Passenger loss of life, up to $15,000 of coverage
Super Safemove ® — Moving protection + liability insurance
The most affordable and comprehensive protection package in the industry.
Super Safemove is all the benefits of Safemove, explained above, plus $1 million in liability coverage. Giving you the “all-around” coverage that you need.
Additional Liability Insurance (ALI)
- $1,000,000 for property damage, bodily injury or lawsuits brought forwards by 3rd parties not involved with the rental
- No deductible**
- No increased premiums
- Nothing out of your pocket
- Subject to exclusions*
The purchase of Safemove, Super Safemove or Safetow is not required in order to rent a U-Haul truck or trailer but many personal auto policies do not cover rental truck or trailer rentals. However, your personal insurance policy providing coverage on an owned automobile, or other personal policy, may provide additional coverage, and to the extent, ALI may provide a duplication of coverage. You should check with your insurance carrier prior to your rental.
The protection afforded by ALI (if it is accepted), is primary to your own policies. See ALI policy for exclusions.
Super Safemove additional liability coverage is there should happen to be bodily injury and property damage claims made against you by people injured in an accident in addition to the Safemove collision damage waiver, cargo protection and medical/life protection. You and authorized drivers are covered while driving your U-Haul rental truck within the United States and Canada, but only if the truck is rented and returned in the United States. ALI safeguards your personal insurance policy for the first $1 million of losses. Your personal auto policies may or may not cover rental trucks. Your policy should be thoroughly checked for the terms and conditions associated with rental trucks. If you are not sure of the extent of your policy's coverage, ask your insurance agent or your insurance company (U-Haul representatives and agents are not qualified to evaluate the adequacy of your personal auto policy). No credit card companies cover rental trucks. As with any policy, you should check the extent of the coverage carefully with the card issuer. All exclusions, terms and conditions are stated in the policy; it is important that you read the policy carefully.
The additional liability coverage portion of Super Safemove is subject to the terms and conditions, benefits and exclusions as set forth in this Ace American Insurance Company policy. and the Texas Amendatory.
Towing protection
Safetow ® — Towing protection
Multiple levels of coverage to choose from. An industry first!
Get protection and peace of mind while towing your vehicle or rented trailer. Safetow is the best protection package of its kind on the market today. It provides multiple levels of protection that covers damage to your motor-vehicle on an auto transport, tow dolly or tow bar and goods or motor vehicles in the U-Haul trailer.
Collision Damage Waiver
- Frees you of responsibility for accidental collision damage to the rental auto transport, tow dolly, or rental trailer
- No deductible
- Subject to exclusions*
Towed Property Protection
- Covers damage to your towed motor vehicle and cargo while being towed with any U-Haul equipment
- Covers any towed car, truck, van, motorcycle, ATV, golf cart or lawnmower
- Primary coverage, that will pay regardless of other coverage you may have
- Coverage for non-operable, unlicensed or out-of-service vehicles
- Protection limits include $5,000, $10,000, $15,000, $20,000 of coverage
- Up to $500 coverage for personal contents in the towed vehicle
- $100 deductible per occurrence
Medical Protection
- Provides you and your passengers with up to $500 of coverage towards medical bills, in case of an accident
Life Protection
- Provides you and your passenger with life coverage in the case of a fatality
- Lessee loss of life, up to $10,000 of coverage
- Passenger loss of life, up to $5,000 of coverage
Storage protection
Safestor ® — Low cost self-storage insurance
Protecting your goods in storage is your responsibility. Let us help you out!
Get protection while storing your goods. Safestor is the leader in the self storage tenant-insurance market today. It provides the broadest protection and lowest premiums while giving you the peace of mind knowing that your goods will be replaced should there be an unfortunate occurrence while they are in storage.
Why should you get Safestor protection?
If your goods are worth storing, they are worth protecting. While U-Haul takes precautions to provide a clean, dry and secure environment to store your property, we are not responsible for damage or loss to your goods and most homeowner's policies do not provide adequate protection for goods stored away from your residence. Don't assume coverage and check with your insurance carrier in regards to coverage.
Storage locations offering Safestor Tenant Insurance
Benefits for you, the customer
- Low-cost protection package designed specifically for your goods while stored in a U-Haul facility
- Pay with rent program, no additional forms to fill out or to mail
- Protection limits:
- $1,000 of coverage - $6 a month, that's only 20¢ a day
- $5,000 of coverage - $8 a month, that's only 27¢ a day
- $10,000 of coverage - $16 a month, that's only 53¢ a day
- $15,000 of coverage - $24 a month, that's only 80¢ a day
Safestor covers you in case of loss or damage to your stored goods from:
- Fire
- Smoke
- Lightning
- Hurricane
- Tornado
- Wind
- Hail
- Earthquake
- Building collapse
- Explosion
- Vandalism
- Leaking water
- Burglary, now offering 100% coverage if requested. Ask your representative for complete coverage details. (Must be visible signs of forced entry and a police report must be filed)
Items not covered by Safestor:
- Jewelry
- Financial records
- Currency
- Deeds & documents
- Securities
- Stamps
- Watches
- Precious stones
- Works of art
- Antiques
- Furs (or garments trimmed with fur)
- Motorized vehicles (licensed or not, such as motor scooters, ATVs, motorcycles, and/or lawnmowers)
- No coverage for loss caused by or resulting from war, flood (or surface water), vermin, or climatic conditions like rust or mildew
- See your Self Storage rental agreement for Safestor protection terms, conditions and exclusions
* All exclusions are explained in the Rental Contract and Document Holder.
** New York locations have a $150 Damage Waiver deductible with Safemove and Super Safemove.
Safemove, Super Safemove and Safetow are subject to exclusions set forth in the U-Haul rental contract addendum.
Safemove is not available for U-Haul pick-up and van rentals. Ask your representative about our Collision Damage Waiver Protection.
Super Safemove is not available in all states. Ask your local representative for details.
Safemove, Super Safemove and Safetow does not cover theft or burglary of your rented or owned motor vehicle, any of its accessories or personal contents in the towed trailer or rented truck. Mechanical damage, including damage to the transmission or drive train, is not covered unless it is the result of a collision. For a list of other exclusions, see the rental contract addendum and certificate provided with your rental contract.
Your Safestor policy may include conditions that are required by the laws of your state. If you purchase Safestor insurance, please review the full policy, including endorsements for a full description of your coverage. A copy of the Safestor policy and/or endorsements affecting your state are available upon request. To request this Safestor information, please contact us.
Republic Western Insurance Company is a United States insurance company incorporated under the laws of the State of Arizona and is licensed to sell insurance products in all states and the District of Columbia, excluding Florida, Tennessee and Hawaii. All products are not offered in all states. Please refer to the product pages for applicable states of coverage. The descriptions of Republic Western Insurance Company's insurance products and services on this World Wide Web site are provided for your general information. The insurance products and services are subject to the terms and conditions of the policies issued. Please review your policy when received for complete information. Product availability varies by state. Republic Western Insurance Company makes no representation that the content provided is applicable or appropriate for use in other locations.
Safemove, Safestor and Safetow are subject to exclusions set forth in the U-Haul storage rental contract. Safemove, Safestor and Safetow are not
liability insurance and each is optional. Some portions of these protection packages are underwritten in the USA
by Republic Western Insurance Company, Phoenix, Arizona. In Canada, some portions are underwritten by Chubb Insurance Company.
In Hawaii, some portions are underwritten by National Union Fire Insurance Company, Pittsburgh, Pennsylvania. Customers owning real or personal property
may have policies that provide similar coverage elements (check your policies). Any questions, call 1-800-528-0463, ext.
6755. To report claims, call: 1-800-528-7134, ext. 6520. To report a claim in Canada, call: 1-800-532-4822 and to speak to a licensed agent in Canada, please call : 1-877-266-6545.
