does farmers cover canada rental cars

[LeLucas]

Yes, your standard U.S. Farmers Insurance personal auto policy typically provides the same liability, collision, and comprehensive coverage when you rent a car in Canada as it does for your personal vehicle in the United States. Canada is generally considered part of your "Territory of Coverage," which usually includes the U.S., its territories and possessions, and Canada. However, this extension is primarily for vacation or leisure travel; using a rental car for business purposes may not be covered.

The most critical factor is the specific type of coverage you carry on your own policy. Liability coverage is the most straightforward, as it should extend to the rental car to meet Canada's requirements. For physical damage to the rental car itself, your comprehensive and collision coverage will only apply if you have those coverages on your policy for your own car. If you only carry liability insurance on your personal vehicle, you will have no coverage for damage to the rental car.

A key consideration is the Loss Damage Waiver (LDW), also called a Collision Damage Waiver (CDW), offered by the rental company. While your Farmers policy may cover the physical damage, it likely does not cover the rental company's "loss of use" fees—the income they lose while the car is being repaired. Purchasing the LDW from the rental company waives your responsibility for these fees.

Before you rent a car in Canada, you must:

1. Call your Farmers agent to confirm your policy's terms and any limitations.
2. Review your policy's Declarations Page to verify your coverage limits and deductibles.
3. Ask your agent about "loss of use" coverage to see if it's included or available as an endorsement.

Coverage Type on Your Personal Policy	Typically Extends to Canadian Rental Car?	Key Considerations
Bodily Injury & Property Damage Liability	Yes	Must meet or exceed Canadian provincial minimums.
Personal Injury Protection (PIP) / Medical Payments	Usually Yes	Covers medical expenses for you and passengers.
Uninsured/Underinsured Motorist	Usually Yes	Protects you if involved in a hit-and-run or accident with an uninsured driver.
Comprehensive & Collision	Yes, if on your policy	Your policy's deductible applies. Does not typically cover "loss of use" fees charged by the rental company.
Loss Damage Waiver (LDW) Equivalent	No	This is a waiver, not insurance. You must purchase it from the rental company to avoid being charged for loss of use.

[CamilleLynn]

Call your Farmers agent before you book anything. Don't assume you're covered. Your policy should work in Canada, but you need to hear it directly from them. Ask specifically about "loss of use" fees. That's the big one—if the rental car gets damaged, the company can charge you for every day it's in the shop, and your standard policy might not cover that. It's a five-minute call that can save you a huge headache.