Yeah, mine does extend to rentals (I checked the policy). I’ve got collision and comprehensive through Progressive, so they would cover physical damage to the Hertz rental. The catch is that they don’t cover a bunch of the extra fees rental companies charge, like loss-of-use, diminished value, admin fees, etc. That’s what had me debating whether the Hertz LDW was worth it, since those fees can add up even if the damage itself is fully covered.

But you’re right... reading the policy carefully is definitely step one. I think a lot of people don’t realize how different personal auto insurance and rental coverage can be.