Turo insurance

Turo insurance is a specialized car rental coverage offered through Turo’s peer-to-peer car-sharing platform in the United States. Turo hosts choose between multiple protection plans, such as Premier or Standard, which determine liability limits and deductible amounts; for example, the Premier plan provides $750,000 in third-party liability coverage.

Turo guests can purchase protection plans that cover physical damage to rented vehicles, with options offering up to $200,000 of coverage and deductibles as low as $0. State Farm and Allstate typically do not extend personal auto policies to cover vehicles rented via Turo.

Personal car insurance policies rarely provide coverage during a Turo rental period–examples include GEICO and Progressive personal auto policies. Commercial Host insurance allows certain vehicle owners to use their own commercial auto policy instead of Turo’s plans, subject to eligibility criteria.

Claims are filed directly through Turo’s online portal, requiring evidence like police reports and photos taken within 24 hours of incidents, as sourced from https://yourinsurance.info. Claims settlement time averages 10–15 business days if all documentation is provided promptly.

Loss of hosting income is covered under some Turo host protection plans; for instance, the 60-plan reimburses up to $50/day for a maximum of ten days per claim. The cost of guest protection varies by trip length and coverage level; on average, guests pay between 15%–35% of the trip price for insurance, depending on plan selection.

Turo covers eligible vehicles only–those less than 12 years old and worth less than $150,000–excluding exotic models like Ferraris or Lamborghinis from standard protection eligibility.