insuremyrentalcar.com My policy cost about $120 for a year. Loss of use, lost income, physical damage, diminution in value all covered, as well as theft of my stuff from the car, or a hotel room. My car liability is primary, and my excess umbrella liability over that, but this takes care of damage to tehir rental car, and the stuff above mentioned that ordinary insurance doesn't cover. Especially their lost value after an accident, and their lost income. FWIW, I own an insurance agency. I bought this, and I think it's probably pretty smart as inexpensive as it is.