Does USAA Auto Insurance Cover U‑Haul Moves?

What USAA Covers When You Rent a U‑Haul

USAA's auto insurance policy typically protects the vehicle you own, not the rental U‑Haul truck. Coverage for the U‑Haul rental is usually handled through the rental company's own insurance, which you can purchase at the counter or online before pickup.

Adding U‑Haul Insurance to Your USAA Policy

USAA offers optional add‑ons that extend liability and collision coverage to rented vehicles, including U‑Haul trucks. You can add the "Rental Car Coverage" endorsement for an extra monthly fee, which mirrors the standard collision and liability limits of your primary policy. Contact USAA customer service or log in to your online account to request the endorsement.

Limits and Exclusions

The rental coverage applies only to the U‑Haul vehicle, not to items you load into it. For cargo protection, you must purchase U‑Haul's "Cargo Insurance" or use a third‑party policy. USAA's policy does not cover damage to the U‑Haul truck's interior or mechanical faults; those are the rental company's responsibility.

How to Verify Coverage Before Moving

• Ask the U‑Haul agent for a copy of the rental agreement and insurance options.
• Check your USAA policy documents or online portal for any existing rental add‑on.
• Confirm the liability limits and deductibles for the rental endorsement.

Best Practices for a Smooth Move

1. Purchase U‑Haul's "Collision and Theft Protection" to cover the truck if you're not adding the USAA endorsement. 2. Use the U‑Haul "Cargo Insurance" for valuable items. 3. Keep receipts and photos of your load; they help in claims. 4. Report any damage to the U‑Haul agent immediately. 5. After the move, file any claim with USAA or U‑Haul as appropriate.