What’s up fam — insurance has come up here a few times over the past months, so I wanted to share my latest experience. I originally used Tint for all off-trip coverage and stayed with them for my first 10 months, paying about $100 per vehicle per month. I hadn’t planned on switching until I received an email saying my rates were increasing starting in March — and not just slightly. Some vehicles were going up nearly $40/month. This may be localized to Florida, but I’m not certain. Worth noting: I never filed a single claim. That increase pushed me to really dig into alternatives. I had already been researching coverage for private rentals but hadn’t gone deep until now. After multiple calls and quote comparisons, I realized off-trip coverage was largely unnecessary for my situation. My vehicles are used strictly for business, so carrying higher off-trip coverage from the start probably wasn’t the best fit for me. (This may differ for others — always evaluate based on your own operation.) With private rentals increasing and policy costs rising, I made the switch to Roamly. They cover both off-trip use and private rentals. I still require guests’ personal insurance to act as primary coverage for private rentals, but now I have backup protection if issues arise. Even better — my entire fleet now costs less to insure while giving me more coverage and peace of mind. Pro tip: For long-term, trusted renters with fully verified personal insurance that covers rentals, consider reducing coverage to liability-only during their rental period to lower costs even further. Hope this helps someone evaluating their options.