Does Farmers Auto Insurance cover Rental Cars?

Does Farmers Auto Insurance cover Rental Cars?

When renting a car, it’s crucial to have a clear understanding of your insurance coverage to ensure both peace of mind and financial security.

Farmers Insurance, a well-known insurance provider, offers a variety of coverage options for its policyholders.

This article seeks to examine whether Farmers Insurance includes rental car coverage, providing an extensive analysis of their policies.

We will thoroughly investigate the particulars of their rental car coverage, including what it covers, any limitations or exceptions, and the procedure for making a claim.

An image illustration of Farmers Auto Insurance cover Rental Cars
Does Farmers Auto Insurance cover Rental Cars
Source: (freepik)

Overview of Rental Car Coverage

What rental car coverage typically encompasses Rental car insurance typically comprises various categories of protection.

Here’s a general breakdown:

  1. Collision Damage Waiver (CDW)/Loss Damage Waiver (LDW): This isn’t conventional insurance; instead, it’s a waiver indicating that the rental car company won’t pursue you for collision expenses if the rental car is damaged or stolen. Exclusions may apply, so it’s crucial to review the terms and conditions.
  2. Supplemental Liability Protection (SLP): This offers additional liability coverage for expenses related to damage or injuries to third parties or their property if you’re responsible for an accident.
  3. Personal Accident Insurance (PAI): This covers medical expenses for both you and your passengers in the event of an accident.
  4. Personal Effects Coverage (PEC): This protection safeguards personal belongings that may be stolen from the rental car.
  5. Roadside Assistance: Some rental car companies provide roadside assistance coverage for emergencies such as flat tires, lockouts, and towing.

It’s essential to note that these coverage options can vary based on the rental car company and the country where you’re renting.

Furthermore, you might already possess some of these coverage types through your personal auto insurance policy or credit card benefits.

Always carefully review the terms and conditions and consult with your own insurance provider or credit card company before considering additional rental car coverage.

Significance and Advantages of Rental Car Coverage

Having rental car coverage offers numerous valuable benefits and acts as a vital safeguard in specific situations.

Here are several reasons why it holds great importance:

  1. Financial Security: In the unfortunate event of an accident or theft, rental car insurance can prevent you from incurring out-of-pocket expenses for repair or replacement costs.
  2. Peace of Mind: Being aware of your coverage can enhance your rental experience by reducing concerns about potential accidents or incidents that might impact your financial well-being.
  3. Protection for Personal Belongings: In the event of theft from the rental vehicle, rental car insurance can supply coverage, which may not be provided by your regular auto insurance.
  4. Gap Coverage: Rental car agencies often impose fees for ‘loss of use’ (when the car can’t be rented out during repairs) and diminished value (the reduction in a vehicle’s worth after an accident). While many standard insurance policies don’t cover these charges, some rental car insurance options do.

It’s crucial to remember that before you invest in rental car insurance, it’s essential to review your existing auto insurance policy and any coverage offered by your credit card company.

This ensures you don’t purchase unnecessary coverage.

Additionally, understanding the specifics of any rental car coverage you’re considering is vital since policies and protections can vary considerably.

Farmers Insurance Rental Car Policies

Farmers Insurance extends coverage from your personal auto policy to rental cars, subject to your policy terms.

They also offer rental reimbursement for covered claims, but it’s not for personal use rentals.

International rental coverage may vary, so contact them for details.

Be aware of limitations, like no coverage for commercial or ride-sharing rentals.

In case of an accident, follow the same claims process as with your own vehicle.

Contact Farmers Insurance or visit their website for policy-specific information.

An image illustration of Farmers Auto Insurance covering Rental Cars
Farmers Auto Insurance covering Rental Cars
Source: (freepik)

Reasons for Car Rental Excess Insurance

  1. Zero Deductible: Avoid high deductibles on your auto insurance in case of an accident.
  2. Prevent Insurance Premium Hikes: Keep your personal insurance costs down by not making additional claims.
  3. International Travel Coverage: Ensure coverage when driving abroad.
  4. Theft and Vandalism Protection: Cover for stolen or vandalized rental cars.
  5. Gap Coverage: Pays for ‘loss of use’ and diminished value charges by rental companies.
  6. Personal Belongings Protection: Guards against theft of your items in the rental car.
  7. Convenience and Peace of Mind: Avoid hassles and premium increases with your own insurer.
  8. Supplement for Insufficient Personal Auto Insurance: Enhance coverage for high deductibles or low limits.
  9. Coverage for Additional Drivers: All drivers are insured during your rental period.


Farmers auto insurance typically extends coverage to rental cars for policyholders, subject to the terms and conditions of the individual policy.

This coverage can be a valuable safeguard, offering financial protection and peace of mind when renting a vehicle.

However, it’s crucial to be aware of any limitations or exclusions, and to check the specifics of your policy to ensure you have the necessary coverage for your rental car needs.

Always consult with Farmers Insurance directly or refer to their official resources for the most accurate and up-to-date information regarding rental car coverage.

ALSO READ : Does Auto Insurance cover Transmission Repair?

Leave a Comment