Welcome to another episode of the RV Rental Secrets Podcast! Today, we have a special guest, Allie from MBA Insurance, sharing valuable insights into RV rental insurance.

About MBA Insurance:

• MBA Insurance, founded in 1978 and part of the Brown and Brown family since 2015, specializes in comprehensive vehicle rental insurance for recreational vehicles.
• They cover a range of vehicles, including motorhomes, trailers, power sports like UTVs and ATVs, traditional motorcycles, trucks, vans, SUVs, and Jeeps.

Key Points from the Interview:

1. In-House Management: MBA is a program administrator, handling everything in-house, from quoting to policy issuance, setting them apart from other agencies.

2. Admitted Paper vs. ENS: MBA writes policies on admitted paper, providing more regulatory backing compared to the access and surplus (ENS) policies often found on peer-to-peer platforms.

3. Seasonal Pricing and Flexibility: MBA offers seasonal pricing and flexibility to accommodate the off-season periods, aligning with the needs of RV rental business owners.

4. Primary Coverage: MBA provides primary coverage, distinguishing itself from platforms offering secondary insurance, and ensuring prompt claims handling without seeking other sources first.

5. Continuous Coverage: Unlike platform-based coverage that typically applies only during active rentals, MBA's coverage extends to times when the vehicle is not rented, providing peace of mind for owners.

6. Types of Coverage: Allie emphasizes the importance of physical damage coverage, liability coverage during operation and rental, and general liability for premises if applicable.

7. Exclusions and Limitations: Be aware of potential exclusions such as loss of use and interior damage. Understanding deductibles and having roadside assistance plans are also crucial.

8. Claims Process: Proper documentation, including check-in and check-out forms or even videos, ensures a smooth claims process. Promptly educating renters on vehicle operation adds an extra layer of protection.

9. Premiums and Billing: Premiums are issued on an annual basis, with monthly billing determined by factors like location, vehicle value, and fleet size.

Closing Thoughts:

Allie suggests discussing specific insurance needs with your agent, ensuring a clear understanding of coverage terms, limitations, and any seasonal adjustments.

How to Get a Quote:

Visit MBA Insurance's homepage and click on the "Get a Quote" button. Alternatively, reach out directly to Allie for personalized assistance.