Does Chase Sapphire Cover U-Haul? Unraveling the Mystery of Rental Coverage

When it comes to credit card benefits, it’s essential to understand what your card covers to make the most of its perks. One popular credit card known for its travel rewards and extensive benefits is the Chase Sapphire card. However, if you’re planning a move and considering renting a Uhaul truck, you might be wondering: Does Chase Sapphire cover Uhaul? In this blog post, we will delve into this question and explore the details of Chase Sapphire’s coverage. We’ll also discuss Uhaul services and alternative insurance options to help you make an informed decision. Understanding the coverage offered by your credit card can save you from unnecessary expenses and provide peace of mind during your move. So, let’s dive in and explore whether Chase Sapphire covers Uhaul expenses.

Chase Sapphire Credit Card Benefits

Chase Sapphire credit cards, known for their exceptional rewards and travel benefits, offer cardholders a range of enticing features. Let’s take a closer look at the benefits that come with holding a Chase Sapphire card:

Generous Rewards Program: 

Chase Sapphire cards provide lucrative rewards programs that allow cardholders to earn points on their purchases. These points can be redeemed for various rewards, including travel, merchandise, gift cards, and statement credits.

Travel Insurance: 

One of the standout features of Chase Sapphire cards is the comprehensive travel insurance coverage. This includes trip cancellation/interruption insurance, trip delay reimbursement, baggage delay insurance, and lost luggage reimbursement. In case of unexpected travel mishaps, these protections can offer financial relief and peace of mind.

Purchase Protection: 

Chase Sapphire cards offer purchase protection, which covers eligible purchases against damage or theft for a specific period after the purchase date. This benefit can be invaluable, especially when making expensive purchases or traveling with valuable items.

Extended Warranty Coverage: 

Cardholders can enjoy extended warranty coverage on eligible purchases made with their Chase Sapphire card. This benefit extends the manufacturer’s warranty for an additional period, providing protection against defects and malfunctions.

Travel Perks: 

Chase Sapphire cardholders are entitled to various travel-related perks. This may include access to airport lounges through programs like Priority Pass, Global Entry or TSA PreCheck application fee credits, complimentary travel concierge services, and special rental car privileges.

Flexible Redemption Options: 

Chase Sapphire cards offer flexibility when redeeming rewards. Cardholders can transfer their points to airline and hotel loyalty programs, maximizing their value. Alternatively, points can be used directly to book travel through Chase’s travel portal, where they often receive a boosted redemption rate.

It’s important to note that the specific benefits and terms may vary depending on the specific Chase Sapphire card you hold, such as the Chase Sapphire Preferred or Chase Sapphire Reserve. The Reserve card generally offers more enhanced benefits and premium perks but comes with a higher annual fee.

Coverage Details of Chase Sapphire

Chase Sapphire credit cards provide a range of coverage options and benefits to cardholders. Understanding the coverage details is essential to make the most of your card’s protections. While the specifics may vary depending on the specific Chase Sapphire card you hold, here is an overview of the coverage commonly provided:

Travel Insurance: 

Chase Sapphire cards typically offer comprehensive travel insurance coverage. This may include trip cancellation/interruption insurance, which reimburses you for non-refundable travel expenses if your trip is canceled or interrupted due to covered reasons. Travel accident insurance provides coverage in the event of accidental death or dismemberment while traveling. Baggage delay insurance and lost luggage reimbursement offer compensation for delayed or lost baggage during your trip.

Purchase Protection: 

With purchase protection, eligible purchases made with your Chase Sapphire card are protected against theft or damage for a specific period after the purchase date. If your purchased item is stolen or damaged within the coverage period, you may be eligible for reimbursement or repair.

Extended Warranty Coverage: 

Chase Sapphire cards often come with extended warranty coverage, which extends the manufacturer’s warranty on eligible items purchased with the card. This can provide additional coverage against defects or malfunctions beyond the standard warranty period.

Auto Rental Collision Damage Waiver:

When you rent a car and pay for the rental with your Chase Sapphire card, you may be eligible for an auto rental collision damage waiver. This coverage may provide reimbursement for damage or theft of the rental vehicle, allowing you to decline the rental company’s collision insurance and potentially save on rental costs.

Trip Delay Reimbursement: 

If your common carrier travel is delayed by a covered reason (e.g., weather, equipment failure), Chase Sapphire cards may offer trip delay reimbursement. This coverage can reimburse you for necessary expenses incurred during the delay, such as meals and accommodations.

It’s important to review the specific terms and conditions of your Chase Sapphire card’s coverage. These details can be found in the cardholder agreement or benefit guide provided by Chase. Familiarize yourself with coverage limits, exclusions, and the process for filing claims.

Uhaul Services and Coverage

Uhaul, a renowned name in the moving and storage industry, offers a wide range of rental services to assist individuals and families during their relocation process. Whether you are moving to a new home, transporting large items, or need temporary storage solutions, Uhaul has various options to meet your needs.

Moving Truck Rentals:

Uhaul provides moving trucks in various sizes, ranging from small cargo vans to large trucks capable of accommodating a three to four-bedroom household. These trucks are designed to make moving your belongings more manageable and efficient.

Trailer Rentals:

For those who prefer to use their own vehicle for transportation, Uhaul offers trailer rentals. These trailers are hitched to your personal vehicle, providing extra space for moving items or towing belongings.

Towing Equipment:

If you have your own trailer or vehicle that requires towing, Uhaul has a selection of towing equipment available, including tow dollies and car carriers.

Moving Supplies:

Uhaul also offers a comprehensive selection of moving supplies, such as moving boxes, packing materials, furniture pads, and dollies, to facilitate a smooth and secure move.

Regarding coverage, Uhaul offers rental protection plans to provide added peace of mind during your move. These plans are designed to cover various aspects of the rental process, and they typically include:

A. Safemove® Damage Protection:

This coverage helps protect you from incurring out-of-pocket expenses in case of accidental damage to the Uhaul equipment during your rental period.

B. Safemove® Liability Coverage:

This option provides liability coverage for bodily injury and property damage that may occur during the use of Uhaul equipment.

C. Safetrip® Roadside Assistance:

Uhaul’s roadside assistance program ensures that you receive prompt support in case of any unexpected vehicle issues during your journey.

It’s important to thoroughly review the terms and details of Uhaul’s rental protection plans to understand the extent of coverage and any exclusions that may apply. While these protection plans offer valuable benefits. You should also check if your personal auto insurance or credit card coverage can supplement or provide additional protection during the rental period.

Before renting a Uhaul vehicle or equipment, it is advisable to assess your specific needs, review the available coverage options. And consider any additional insurance you may require for a worry-free and smooth moving experience.

Does Chase Sapphire Cover Uhaul?

There is no specific indication that Chase Sapphire credit cards cover Uhaul expenses in their benefits and coverage details. While Chase Sapphire cards offer a range of valuable benefits, such as travel insurance, purchase protection, and extended warranty coverage. Uhaul rentals are not explicitly listed among the covered expenses.

If you’re considering renting a Uhaul for your move and want to ensure you have sufficient coverage, it’s essential to explore Uhaul’s rental protection plans. Uhaul offers Safemove® and Safetow® plans, which can provide various levels of coverage for the rented equipment and protection against certain liabilities.

Additionally, it’s a good idea to check your personal auto insurance or other insurance policies to see if they offer any coverage for rental vehicles, including Uhaul trucks.

As credit card policies can change over time, I recommend verifying the current information by checking the latest cardholder agreement, benefit guide, or reaching out to Chase’s customer service directly.

Always stay informed and make decisions based on the most up-to-date information available. Moving to a new place is a significant event, and having the right coverage can provide peace of mind during the process. If you have any more questions or need further assistance, feel free to ask. Wishing you a smooth and stress-free move!

Alternatives for Uhaul Coverage

If your Chase Sapphire credit card does not provide coverage for Uhaul rentals, there are several alternative options to consider for securing coverage during your move:

Uhaul’s Rental Protection Plans: 

Uhaul offers Safemove® and Safetow® plans that provide different levels of coverage for their rental equipment. Safemove® covers damage protection for the rental truck or trailer, while Safetow® offers liability coverage for damage to your vehicle or third-party property while towing. These plans can be a convenient and straightforward way to protect yourself and your belongings during the move.

Personal Auto Insurance: 

Check with your personal auto insurance provider to see if it covers rental vehicles, including Uhaul trucks. Some auto insurance policies may offer coverage for rental cars, but it’s essential to verify if this applies to rental trucks and the extent of the coverage.

Credit Card Coverage: 

While your Chase Sapphire card may not explicitly cover Uhaul rentals, other credit cards might offer rental vehicle coverage. Check the benefits and coverage details of other credit cards you have to see if they provide protection for rental trucks.

Rental Insurance from Other Providers: 

Some insurance companies offer standalone rental insurance policies designed specifically for moving vehicles. These policies can be tailored to cover Uhaul rentals and can provide additional protection during your move.

Homeowner’s or Renter’s Insurance: 

In some cases, your homeowner’s or renter’s insurance policy may offer limited coverage for personal belongings while in transit. It’s essential to review your policy or check with your insurance provider to understand what coverage, if any, is available during a move.

AAA or Roadside Assistance Memberships: 

If you have a AAA membership or roadside assistance plan, check if they offer any benefits or coverage for rental vehicles during a move.

Before selecting an alternative insurance option, carefully review the terms and conditions of the coverage to ensure it aligns with your needs. Additionally, consider factors like deductibles, coverage limits, and any exclusions that may apply.

Tips for Maximizing Coverage

Maximizing coverage is crucial to ensure you have the necessary protection during your Uhaul rental or any other significant life events. Here are some tips to help you make the most of your coverage:

Read and Understand the Policy: 

Whether it’s your credit card’s benefits, Uhaul’s rental protection plans, or any other insurance policies, thoroughly read and understand the terms and conditions. Know what is covered, what is excluded, the coverage limits, and any applicable deductibles.

Know the Reporting Procedures: 

Familiarize yourself with the process of reporting any incidents or accidents that may occur during your rental. Promptly report any damages or incidents to the relevant parties to initiate the claims process.

Review Your Existing Coverage: 

Before purchasing additional insurance, review your existing policies, such as auto insurance or homeowner’s/renter’s insurance. Understanding what coverage you already have can help you avoid redundant or unnecessary expenses.

Utilize Credit Card Benefits: 

If your credit card provides any coverage, such as rental car insurance, make sure to use that card to pay for the Uhaul rental. This way, you can take advantage of the benefits offered by your credit card.

Consider Supplemental Coverage: 

If your existing insurance does not fully cover your Uhaul rental, consider purchasing supplemental insurance from Uhaul or other insurance providers. It can offer added protection and peace of mind during your move.

Document Everything: 

Take photos of the Uhaul vehicle or equipment before and after your rental to document its condition. This can be helpful in case of disputes or claims related to damages.

Report Accidents Promptly: 

If any accidents or damages occur during your rental, report them immediately to Uhaul or your insurance provider. Prompt reporting can expedite the claims process and avoid potential complications.

Ask Questions: 

If you have any doubts or questions about your coverage, don’t hesitate to ask the insurance provider or the Uhaul representative. Clear communication can prevent misunderstandings and ensure you have the coverage you need.

Plan Ahead: 

Before your move, thoroughly plan your rental needs and assess the potential risks. This way, you can choose the most appropriate coverage options and avoid any last-minute surprises.

Keep Important Documents: 

Maintain copies of all relevant documents, such as the rental agreement, insurance policies, and receipts, in a safe place. Having easy access to these documents can be helpful in case of any issues.

Remember, maximizing coverage is not just about having insurance. But also about understanding what you’re covered for and taking appropriate steps to ensure a smooth claims process if needed. Taking these tips into account will help you feel more confident and secure during your Uhaul rental and move.


In conclusion, while Chase Sapphire credit cards may not explicitly cover Uhaul expenses. It’s important to verify the current information and explore other coverage options. Consider Uhaul’s rental protection plans, check existing insurance policies, and be proactive in understanding the terms and conditions. By taking these steps, you can maximize your coverage and ensure a smooth and secure moving experience.

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