Frequently Asked Questions
Insurance & Protection
Understanding your RV rental insurance and protection options can help you prepare for the unexpected before you hit the road. El Monte RV offers liability insurance and optional protection products designed to address different types of financial responsibility during your rental. Explore our FAQs to learn about Rental Liability Insurance (RLI), Enhanced Liability Insurance (ELI), Vehicle Incident Protection (VIP) and VIP Plus. Find information about liability coverage, accidental RV damage, deductibles and how each option may help reduce your financial responsibility, subject to applicable terms, conditions and exclusions.
Rental Liability Insurance (RLI) provides primary third-party liability coverage up to the financial responsibility limits required by the applicable state.
It may provide coverage if you are legally responsible for bodily injury to another person or damage to someone else’s property while operating the RV, subject to the policy terms, conditions and exclusions.
Enhanced Liability Insurance (ELI) provides additional auto liability coverage beyond the financial responsibility limits provided by RLI. It offers coverage up to $500,000 for covered third-party bodily injury and property damage claims.
Coverage is subject to the policy terms, conditions, and exclusions.
Vehicle Incident Protection (VIP) can reduce your financial responsibility for covered accidental damage to the RV. With VIP, the deductible is reduced to $1,500 per occurrence, subject to the product’s terms, conditions and exclusions.
Without VIP, you may be responsible for applicable repair and downtime costs.
VIP Plus is an optional protection product that can reduce your financial responsibility for covered physical damage to the RV to $0, subject to the product’s terms, conditions and exclusions.
VIP Plus is not insurance.
