Protection Options — Coming Soon

Protection vs. Insurance

SquatchRV is working to build a safer camper rental experience for renters and hosts. Insurance and protection details may vary by rental type, location, insurance partner, and booking details.

Coming Soon: SquatchRV is developing additional protection options for future rentals. These options are not currently available. At this time, renters and camper owners are responsible for confirming any insurance coverage they wish to rely upon directly with their own insurance providers.

Important: Coverage is not active unless clearly shown during checkout or confirmed by SquatchRV's approved insurance or protection partner. Do not assume coverage applies to any rental unless it is explicitly confirmed.

Loss Damage Waiver \u2014 Not Insurance

SquatchRV does not sell insurance. Our protection option is a Loss Damage Waiver (LDW) \u2014 a contractual modification of liability that caps a renter\u2019s out-of-pocket responsibility for accidental physical damage to a camper during an approved rental. In exchange for a non-refundable Protection Plan Fee, SquatchRV waives its right to collect up to a set dollar amount of verified damage from the renter.

Loss Damage Waiver vs. Insurance

A waiver modifies liability in your rental contract \u2014 it does not transfer risk to an underwriter.

Damage Waiver (What We Offer)

A contractual cap on the renter\u2019s financial responsibility for accidental damage.
You pay a flat Protection Plan Fee; we waive our right to collect up to the cap.
No insurance license required \u2014 it modifies liability in the rental contract.
Applies only to verified, accidental physical damage during the rental period.

Insurance (Not What We Sell)

Transfers risk to a formal underwriter or sells third-party coverage.
Requires a Limited Lines Producer or specialty rental license.
Uses terms like \u201Cpolicy,\u201D \u201Cpremium,\u201D and \u201Cunderwriting.\u201D
Regulated under state Property & Casualty insurance statutes.

Protection Plan Tiers

Planned Feature

The following tiers are planned for future release and are not currently available for purchase. \u2014.

Basic Protection

Coming Soon

$50

Protection Plan Fee

Liability Cap

$1,000

Covers minor accidental damage.

Standard Protection

Coming Soon

$75

Protection Plan Fee

Liability Cap

$1,500

A balanced mid-tier waiver.

Premium Protection

Coming Soon

$100

Protection Plan Fee

Liability Cap

$2,000

Highest liability cap we offer.

The Protection Plan Fee is non-refundable. The waiver cap reduces your out-of-pocket responsibility for verified accidental physical damage only \u2014 it does not pay you cash. Security deposits may still be held separately per the rental agreement.

How a Verified Claim Works

Independent third-party inspection keeps damage verification objective.

1
Incident Reported
Renter or host reports damage through the SquatchRV app within 24 hours of return.
2
Before & After Photos Matched
Time-stamped, geo-located pre- and post-rental photos are compared to confirm the damage is new.
3
Independent Inspector Dispatched
A third-party RV/appraisal inspector documents the damage and writes an independent repair estimate.
4
Waiver Applied
If the damage is verified as accidental and covered, the renter’s responsibility is capped at the waiver limit.

Key Rules We Follow

To keep this a waiver \u2014 and not unlicensed insurance.

Clear Wording

Our rental contract explicitly states the protection is a waiver of liability — not insurance.

No Misrepresentation

We avoid insurance terms like “policy,” “premium,” or “underwriting.” We use Protection Plan Fee, Damage Waiver, and Liability Cap.

Wisconsin Disclosures

Under Wis. Stat. § 344.576, we notify renters that the waiver may duplicate coverage they already hold through personal auto insurance or credit cards.

Two-Estimate Rule

If a renter disputes the damage amount, Wis. Stat. § 344.574(2)(a) allows a second competing repair estimate within two working days.

Physical Damage Only

The waiver covers accidental physical body damage (dents, scratches, broken awnings) — not mechanical failure, normal wear and tear, or intentional abuse.

Exclusions

The waiver is voided for intentional abuse, towing violations, off-road use in prohibited areas, or unauthorized modifications.

Our Goal

SquatchRV's goal is to offer rental protection options that help protect hosts, renters, and the camper during an approved rental period. We are actively working to bring trusted insurance and protection partners to the platform so that every booking can be backed by appropriate coverage.

What Renters Should Expect

Verify their identity before booking
Meet minimum age requirements (typically 25 years old)
Provide valid driver information when towing or driving is involved
Use SquatchRV's secure payment system for all transactions
Agree to all rental rules before confirming a booking
Confirm any desired insurance coverage with their own insurance provider before the rental
Report damage, accidents, or issues immediately — within 24 hours

What Hosts Should Expect

Keep listings accurate, complete, and up to date
Provide safe, clean, and roadworthy campers
Upload photos before and after each rental period
Follow all maintenance, condition, and handoff guidelines
Use SquatchRV messaging and payment systems for all booking activity
Cooperate fully with claims documentation requests

Protection May Include

Depending on the final insurance partner and rental type

Liability protection for third-party injury or property damage

Physical damage protection for the rental vehicle

Interior damage protection (subject to plan terms)

Roadside assistance (subject to plan and geography)

Trip cancellation or interruption options

Security deposits held during the rental period

Deductibles as disclosed at checkout

Claims documentation and coordination support

What May Not Be Covered

Coverage exclusions that commonly apply

Off-platform bookings or transactions made outside SquatchRV

Unauthorized drivers or operators not listed on the booking

Pre-existing or undisclosed damage

Illegal activity of any kind

Reckless, negligent, or prohibited use of the vehicle

Attendance at prohibited festivals, events, or destinations

Late returns, abandonment, or unauthorized location changes

Normal wear and tear

Mechanical failure not caused by a covered accident or event

Violations of host rules or SquatchRV platform policies

Claims Process

If damage, theft, accident, or injury occurs

1
Stop using the camper immediately if it is unsafe to operate.
2
Contact emergency services (911) if there is injury or immediate danger.
3
Notify SquatchRV immediately at support@squatchrv.com with your booking ID.
4
Document everything — take clear, timestamped photos and videos of all damage or conditions.
5
Keep all receipts, invoices, repair estimates, and related documents.
6
Cooperate fully with the host, SquatchRV, and any insurance or claims partners throughout the process.

Insurance Partner Status

SquatchRV is currently preparing for conversations with potential insurance and protection partners. We are committed to launching with clearly defined, transparent coverage terms. Final coverage options, pricing, deductibles, and exclusions will be displayed before public launch and shown to users during checkout.

Until coverage partners are finalized, renters and hosts should consult their own insurance providers about potential coverage for camper rentals.

Insurance Questions?

Our team is available to answer questions about coverage, protection options, and our insurance partner roadmap.

insurance@squatchrv.com

Notice: This page describes intended platform features and should not be interpreted as a binding insurance policy, coverage guarantee, or legal advice. All final coverage terms will be set by SquatchRV's approved insurance and protection partners. This page should be reviewed by a qualified attorney and insurance advisor before public launch.