I’m on vacation in Florida and major storms are in the forecast. Does rental car insurance include flooding coverage? I want to make sure we’re not held responsible if something happens to the rental car.
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Whether or not your rental car will be covered if it incurs flood damage depends on if you have personal car insurance or purchased rental car insurance through the rental company—and which coverages you’ve opted for.
If you have personal car insurance and your plan includes
If you do not have personal car insurance or you have not added comprehensive coverage to your own car insurance policy, your best bet is to purchase the loss damage waiver (LDW) directly from the rental car company (in addition to liability coverage, which is required by law in most states). LDW can be pricey—but nowhere near as expensive as what you’ll pay if you aren’t properly covered and your rental is damaged by flooding.
Check with your personal car insurance provider and read the rental car insurance policy carefully for specifics. And don’t hesitate to reach out to an agent if you have further questions.
Fortunately, it’s never been easier to shop around with multiple insurance companies for appropriate coverage.
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.