I had to rent a moving van when I moved from Texas back to Iowa. My regular auto insurance did cover any accidents that would happen, plus the extra insurance I purchased from the rental place (U-Haul). But that didn't cover any of the items that I had in the van itself. I purchased a special policy to cover the contents of the van which most rental places do recommend that you do, but is optional.

Now, if there was another vehicle involved and the accident was that driver's fault - their insurance should cover contents. If the van had a mechanical problem that caused the accident, the rental place would be liable - but good luck with that.

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