Does Geico Cover Uhaul?: Exploring Insurance Options for Your Move

When it comes to moving, renting a Uhaul truck is a popular choice for individuals and families alike. However, one question that often arises is whether Geico, a well-known insurance provider, covers Uhaul rentals. Moving can be a stressful time, and ensuring that your belongings are protected is of utmost importance. In this blog post, we will delve into Geico’s coverage policies, explore Uhaul’s insurance options, and ultimately answer the question: Does Geico cover Uhaul? So if you’re planning a move and considering a Uhaul rental, read on to gain valuable insights into your insurance choices and make an informed decision for a smooth and worry-free relocation.

Understanding Geico’s Coverage Policies

Geico is widely recognized as one of the largest auto insurance providers in the United States, offering a range of coverage options to protect drivers and their vehicles. Before we delve into Geico’s rental coverage, it’s essential to understand their general coverage policies.

A. Explanation of Geico’s auto insurance coverage: 

Geico’s auto insurance typically includes liability coverage, which helps cover costs related to property damage and bodily injury if you are at fault in an accident. Additionally, Geico offers comprehensive coverage, which protects against non-collision incidents such as theft, vandalism, or natural disasters, as well as collision coverage for accidents involving other vehicles or objects.

B. Discussion on the types of coverage typically included: 

In addition to liability, comprehensive, and collision coverage, Geico may provide additional options such as personal injury protection (PIP), medical payments coverage, uninsured/underinsured motorist coverage, and roadside assistance. These coverages vary depending on the policy you choose and the state in which you reside.

C. Overview of Geico’s rental vehicle coverage: 

Geico also offers rental vehicle coverage, which extends your existing auto insurance policy to cover rented vehicles. This coverage is designed to protect you financially if you damage a rental car, and it typically includes liability, comprehensive, and collision coverage, similar to your regular auto insurance policy.

It’s important to note that Geico’s rental vehicle coverage is subject to certain terms, conditions, and limitations. These may include restrictions on the type of vehicle you can rent, the length of the rental period, and the geographical area in which you are covered. It’s crucial to review your specific Geico policy and consult with your insurance agent for detailed information on rental coverage.

By understanding Geico’s coverage policies, you can gain insight into the extent of protection they offer for rental vehicles. In the next section, we will explore Uhaul’s services and insurance options to see how they align with Geico’s coverage offerings and whether Geico cover Uhaul rentals.

Uhaul Services and Insurance Options

Uhaul, a prominent player in the moving industry, offers a comprehensive range of services and rental options to cater to diverse moving needs. They provide an extensive fleet of trucks, trailers, and vans, ensuring that customers can find the right vehicle for their move, whether it’s a local or long-distance relocation.

As part of their rental package, Uhaul includes basic insurance coverage. This coverage typically encompasses cargo protection, which safeguards your belongings during transport, as well as liability coverage, which offers protection in the event of accidents or injuries while operating the rented vehicle. However, it’s important to carefully review the terms and conditions of Uhaul’s basic insurance to understand the specifics of the coverage provided.

To provide customers with additional peace of mind, Uhaul also offers the option to purchase supplementary insurance coverage. This may include options such as collision damage waiver (CDW) coverage, supplemental liability insurance (SLI), and personal accident and cargo (PAAC) insurance. These additional insurance options offer an extra layer of protection and allow you to tailor your coverage to your specific needs.

When considering Uhaul’s insurance options, it’s essential to thoroughly assess the details of each choice, including coverage limits, deductibles, and any exclusions. Understanding the specifics of Uhaul’s insurance offerings will help you determine the level of coverage that aligns with your requirements and provides the desired level of protection for your move.

By familiarizing yourself with Uhaul’s services and insurance options, you can make an informed decision about the coverage you need for your rental. In the following section, we will delve into the crucial question of whether Geico covers Uhaul rentals, and explore the compatibility between Geico’s coverage policies and the insurance options provided by Uhaul.

Does Geico Cover Uhaul Rentals?

Now that we have a better understanding of Geico’s coverage policies and Uhaul’s insurance options, let’s address the pressing question: Does Geico cover Uhaul rentals?

To determine the answer, it’s essential to examine Geico’s rental vehicle coverage and any restrictions or limitations that may apply.

Geico does offer rental vehicle coverage as an extension of their regular auto insurance policies. This coverage is designed to protect you financially if you damage a rental vehicle, including Uhaul rentals. Generally, Geico’s rental coverage includes liability, comprehensive, and collision coverage, similar to your standard auto insurance policy.

However, it’s important to note that Geico cover Uhaul rentals may have certain restrictions and limitations. These restrictions could pertain to the type of vehicle you can rent, the duration of the rental period, or the geographic area where the coverage applies. It’s crucial to carefully review your specific Geico policy and consult with your insurance agent to understand the exact terms and conditions related to rental coverage.

To obtain accurate information, consider reaching out to Geico directly to inquire about their coverage for Uhaul rentals. They can provide you with detailed insights into the extent of coverage, any exclusions, and any additional steps you may need to take to ensure full protection.

It’s also worth noting that even if Geico does cover Uhaul rentals, you may still want to evaluate Uhaul’s insurance options. These options can provide additional layers of coverage specific to the rental vehicle and your belongings during the moving process.

Comparing Uhaul Insurance vs. Geico Coverage

When it comes to insuring your Uhaul rental, you have the option to choose between Uhaul’s insurance offerings and Geico’s rental coverage. Let’s compare these two options to help you make an informed decision.

Uhaul Insurance:

  • Coverage Extent: Uhaul’s insurance includes basic coverage for cargo protection and liability. They also offer additional insurance options such as collision damage waiver (CDW), supplemental liability insurance (SLI), and personal accident and cargo (PAAC) insurance for added protection.
  • Specifics and Limitations: It’s important to carefully review Uhaul’s insurance terms, including coverage limits, deductibles, and any exclusions. Ensure that the coverage aligns with your needs and provides adequate protection during your move.
  • Cost Consideration: Evaluate the cost-effectiveness of Uhaul’s insurance options. Determine if the additional coverage justifies the expense and aligns with your budget.

Geico Coverage:

  • Coverage Extent: Geico’s rental vehicle coverage extends your existing auto insurance policy to cover Uhaul rentals. It typically includes liability, comprehensive, and collision coverage, similar to your regular auto insurance.
  • Policy Review: Review your Geico policy to understand any restrictions or limitations that may apply to rental coverage. Contact Geico directly for detailed information and clarification regarding coverage for Uhaul rentals.
  • Convenience and Familiarity: Opting for Geico’s rental coverage may provide convenience and familiarity, as you’re dealing with your existing insurance provider. However, ensure that the coverage adequately meets your needs and provides the desired level of protection.

Ultimately, the decision between Uhaul Insurance and Geico Coverage depends on your specific requirements, budget, and preferences. Carefully evaluate the coverage details, costs, and level of protection to make the choice that aligns with your needs. And ensures a smooth and well-insured Uhaul rental experience.

Recommendations and Tips for Renting a Uhaul

Renting a Uhaul for your move can be a practical and cost-effective choice. To ensure a smooth rental experience and proper insurance coverage, consider the following recommendations and tips:

Plan and Reserve in Advance: 

Uhaul rentals can be in high demand, especially during peak moving seasons. To secure the vehicle you need, make your reservation well in advance, allowing enough time for any necessary adjustments or modifications.

Assess Your Moving Needs: 

Determine the size and type of Uhaul truck or equipment that suits your specific moving requirements. Consider factors such as the number of belongings, distance to be traveled, and any additional features needed (e.g., towing capabilities).

Understand Uhaul’s Insurance Options: 

Familiarize yourself with Uhaul’s insurance offerings, including the basic coverage included in the rental package and any additional insurance options available. Review the terms, coverage limits, deductibles, and exclusions to ensure you have the desired level of protection.

Review Your Existing Insurance Coverage: 

If you have an auto insurance policy with Geico or another provider, check if it includes rental vehicle coverage. Understanding your existing coverage can help you determine if additional insurance from Uhaul or Geico is necessary or redundant.

Compare Costs and Coverage: 

Compare the costs and coverage offered by Uhaul’s insurance options and Geico’s rental coverage. Assess the value provided by each option based on your specific needs and budget. Consider the extent of liability, comprehensive, and collision coverage, as well as any additional protections for cargo and personal accidents.

Read the Rental Agreement Carefully: 

Before signing the rental agreement, thoroughly read and understand all terms and conditions. Pay attention to the rental period, mileage limits, fuel requirements, and any potential fees or penalties. Seek clarification from the Uhaul representative for any unclear or ambiguous points.

Document Pre-Existing Damage: 

Before driving off with the rented Uhaul, inspect the vehicle carefully for any pre-existing damage. Take photos or videos to document the condition of the vehicle to avoid being held responsible for any pre-existing issues.

Drive Safely and Follow Uhaul Guidelines: 

Operate the Uhaul vehicle safely and responsibly, following all traffic laws and Uhaul’s guidelines. Adhere to any specific instructions provided by Uhaul regarding vehicle usage, towing, or loading.

Keep Important Contact Information: 

Save Uhaul’s contact information, including their roadside assistance number, in case of any emergencies or issues during your rental period. Similarly, keep Geico’s contact information readily available for insurance-related inquiries.

Return the Rental on Time: 

Respect the agreed-upon rental period and return the Uhaul vehicle on time to avoid any late fees or penalties. Ensure that the vehicle is clean and in the same condition as when you picked it up.

By following these recommendations and tips, you can have a successful and well-protected Uhaul rental experience. Take the time to research, compare insurance options, and make informed decisions to ensure a seamless and stress-free move.


In conclusion, when it comes to renting a Uhaul, understanding your insurance options is crucial. While Geico may provide rental coverage that extends to Uhaul rentals, it’s important to review your policy’s terms and limitations. Additionally, Uhaul offers its own insurance options to consider. By comparing the coverage, costs, and suitability of both options. You can make an informed decision that provides the necessary protection for your move. Remember to plan ahead, read rental agreements carefully, and drive responsibly. With proper insurance coverage in place, you can have a smooth and worry-free Uhaul rental experience.

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