Does my car insurance cover a rented moving truck?

Maybe not. The NAIC says some personal auto policies cover your liability while driving a rented truck, but many don't, and some exclude trucks above a certain size. Before you rent, call your insurer and ask whether you're covered for a truck that size, both for damage to the truck and for harm to others.

Rental counters sell two main add-ons. A Limited Damage Waiver (LDW) covers damage to the truck itself. Supplemental Liability Insurance (SLI) covers claims from other people if you hit something or someone. Both usually have a payout limit, so ask what it is.

Your belongings are a separate question. Homeowners and renters policies usually give only limited coverage for things in transit, and your deductible still applies. Ask your insurer before moving day.

Source: NAIC, Leaving Home: Insurance Considerations for a Move · Checked October 2026