What Insurance Options Are Available for U-Haul Truck Rentals?

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If you’re renting a U-Haul moving truck or cargo van, you can choose optional protection plans at checkout. The main options are Safemove® and Safemove Plus®. These options are important to consider because if you decline coverage, you’re financially responsible for damage to the rental equipment. 

What Insurance Options Are Available for U-Haul Truck Rentals?

When you rent a truck from U-Haul, you have optional coverage add-ons available for your rental. These are designed to protect your equipment, your belognings and you during your move. Here’s the simple way to look at it:

  • Safemove: Protection for the equipment, your cargo, and medical/life (available for moving trucks, pickup trucks and cargo vans)
  • Safemove Plus: Everything with Safemove, plus $1,000,000 in liability coverage (available moving trucks only) 
  • SafeTrip®: Supplemental roadside protection 

Looking for other U-Haul insurance options? Read our full guide of U-Haul insurance options that are available to you.

How Can I Insure my Moving Truck?

Safemove is the standard protection option for U-Haul trucks and vans. Accidents can happen, so this optional coverage is available to give you peace of mind that your equipment and cargo is protected. It includes three components:

  • Damage Waiver
  • Cargo Protection
  • Medical/Life Protection

Damage Waiver

The Safemove Damage Waiver frees you of responsibility for damage to the U-Haul truck. Without this waiver, you are responsible for damage up to the full replacement value of the U-Haul rental truck and other damages, including lost rental revenue.

Cargo Protection

This covers damage to your belongings resulting from collision, fire, windstorm or overturn of the truck. This protection is for actual cash value, and there is a $100 deductible per occurrence.

Cargo Protection Limits: Truck

One-Way Rental

$25,000

In-Town® Rental

$15,000

Medical/Life Protection

You and your passengers riding in the cab of the truck are provided with medical and life protection in case of an accident.

Protection Limits: Truck Rental

Lessee Loss of Life

$25,000

Passenger Loss of Life

$15,000

Lessee/Passenger Medical

$1,000

What Do I Get for Upgrading to Safemove Plus?

Safemove Plus has the same damage waiver, cargo protection, and medical/life protection as Safemove, but it also includes:

  • $1,000,000 Supplemental Liability Coverage (SLI).
  • $0 deductible on any accidental damage claims
  • 100% overhead damage coverage

Safemove plus is available for U-Haul moving trucks only, not for cargo vans or pickup trucks.

Why is Supplemental Liability Insurance Important?

The included SLI with Safemove Plus safeguards your personal insurance policy for the first one million dollars of losses. That means this protection pays claims first before your own auto policies. SLI may provide duplicate coverage, so ask your insurance agent if you are not sure the extent of your policy’s coverage. 

Side-by-Side: What Each Option Covers

Option

Available for

Damage waiver

Cargo coverage

Medical-life coverage

Liability coverage

Deductible

Safemove

Moving trucks, pickup trucks, cargo vans

Yes

Yes

Yes

No 

$150 (state of New York)

$150 (pickup trucks and cargo vans)

$250 (overhead damage)

Safemove Plus

Moving trucks only

Yes

Yes

Yes

$1,000,000 

$0

Canada note: A stand-alone collision damage waiver is available for customers in many Canadian provinces.

Should I Upgrade to Supplemental Roadside Protection?

All U-Haul rentals come with roadside assistance. But, if you want additional coverage, SafeTrip is available to help with common roadside issues during your rental, such as:

  • Lockout services
  • Lost keys
  • Fuel service (up to three gallons)
  • Stuck in mud or snow
  • Jump starts
  • Trailer/towing hookup problems 

You can add SafeTrip online or in the U-Haul app any time prior to picking up the vehicle, or at the counter when you pick up your equipment.

Why is U-Haul Truck Insurance Important?

Choosing coverage is about avoiding surprises. A few key points to know:

  • If you decline coverage, you’re responsible for all damage (including vandalism), regardless of fault. 
  • If you return equipment damaged without coverage, you can be charged for damage plus lost rental revenue while it’s being repaired. 
  • Many credit cards typically do not cover U-Haul trucks and trailers due to weight/size restrictions (always confirm with your card issuer). 
  • Many personal auto policies also may not cover rental moving trucks due to weight restrictions (confirm with your carrier). 

I Already Declined Coverage, How do I Add it to My Rental?

You can add Safemove, Safemove Plus or SafeTrip any time before you pick up your moving truck. If you want to add coverage after pickup, you must return to the same pickup location within 30 minutes to request it. Ready to reserve your moving truck? Don’t forget to review your coverage options during checkout.

 

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Get an affordable, reliable and accessible rental truck for your move.

Frequently Asked Questions About U-Haul Moving Truck Coverages

Do I have to buy insurance when renting a U-Haul truck or cargo van?

No, damage coverage is optional. But if you decline it, you’re financially responsible for damage to the rental equipment, including vandalism, regardless of fault. 

Can I add Safemove after I pick up my rental?

Yes, but you must return to the pickup location you rented from within 30 minutes of pickup to request it to be added. 

Do credit cards or auto insurance usually cover U-Haul rentals?

Major credit cards typically do not cover U-Haul trucks and trailers, and many personal auto policies may not due to weight restrictions. You should confirm with your card issuer and insurance carrier. 

Need more help? Read all of our U-Haul Damage Coverage FAQs.

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