Do you need insurance to rent a moving truck?

You don’t need insurance but it is advisable to take out insurance on the truck as the company will hold you liable for any damages to the truck. In addition, if you have self-packed your belongings and are transporting it yourself using a hired truck, you may want to take out insurance on your cargo. Cargo insurance for do-it-yourself moves is limited to $25,000 and covers only damages caused by disasters such as a crash or a fire. There are pros and cons against self-service moves and you may want to weight out both before making a decision.