If you’re worried about losing your car or apartment, you should get a rental from a company that’s insured by the National Highway Traffic Safety Administration.
There are some insurance companies that are certified by NHTSA, but they tend to focus on vehicles for short-term rentals and don’t cover long-term insurance needs.
Some companies do offer longer-term liability coverage, but most don’t.
You can find these companies on your own insurance carrier’s website, but you should always check with your local rental insurance company.
The most common types of renters and rental cars to look for are: people who are short-time rental owners and renters