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Renting a Lake House or Cabin This Summer? Don’t Overlook Rental Car Coverage
- Quick Insurance
- Jul 17
- 2 min read
Serving Port Jervis and Orange County, NY
Summertime in New York means road trips, lake days, and long weekends in scenic spots like the Catskills or the Finger Lakes. If you’re planning to rent a lake house or cabin this summer, there’s one detail you don’t want to overlook: rental car insurance.
At Quick Insurance, we help vacationers from Port Jervis and throughout Orange County avoid the hidden costs and coverage gaps that can turn a relaxing getaway into a stressful claim.
Why Rental Car Coverage Matters
When you rent a car—whether it’s to get to your destination or just for getting around once you’re there—you may assume your personal auto insurance has you covered. That’s not always the case.
Without proper coverage, you could be on the hook for:
Damage to the rental vehicle
Injury-related costs after an accident
Loss-of-use fees charged by rental companies
Vandalism, theft, or storm damage
Does Your Auto Policy Cover Rentals?
Some personal auto policies do extend coverage to rental cars—but it depends on:
Your policy’s coverage types (liability only? comprehensive?)
Whether you're renting in the U.S. or abroad
How long you’ll have the rental
If the rental is for personal or business use
Bottom line: It’s worth double-checking before you drive off.
What About Credit Card Rental Coverage?
Many credit cards advertise “rental car insurance,” but the fine print can be tricky. Most offer secondary coverage, meaning your own auto policy pays first—and they only cover damage to the vehicle, not liability or injuries.
We recommend calling both your insurer and credit card company before your trip to understand what’s actually included.
Real-Life Gaps to Watch For
Renting an SUV or truck for outdoor gear? Some policies exclude larger or specialty vehicles.
Relying on Airbnb Hosts? Their listings might include the home—but not car insurance if they’re offering “use of a vehicle.”
Renting a vehicle for more than 30 days? Many policies (and card perks) limit coverage duration.
Quick Insurance Tip: Add a Temporary Policy Rider
If your current policy doesn’t include rental coverage—or if you want extra peace of mind—ask us about adding a rider for your trip. It’s affordable, flexible, and customized for your plans.
Vacation Shouldn’t Come With Surprise Claims
At Quick Insurance, we want you to relax and enjoy your time away—without worrying about what happens if something goes wrong. We can help you:
Review your current auto insurance
Add temporary vacation coverage
Get smart about rental contracts and credit card protection
We also offer coverage for:
Planning a Trip? Travel Protected.
Before you hit the road or settle into that lakeside cabin, give Quick Insurance a call. We'll make sure you're covered—so your only worry is which dock chair has the best view.
Call today or visit www.cquickinsurance.com to get started.
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