Hey Rob, great question. I'd love to clarify. When listing on Outdoorsy, assuming your listing is the model year 2000 or newer and a non salvage title, you would have eligibility for comprehensive, collision, and liability insurance for the booking period. However, if it does not meet that criteria, say a 1997 Class C listing, the booking periods would have comprehensive and collision coverage but not liability. This is a limit set by our insurance underwriter, and the renters would have to receive that insurance binder you read about through their personal policy. If your listing is 2000 or newer, you should not have to worry about anything regarding that.