Insurance & vehicle damage reimbursements for Turo hosts
Third-party liability insurance provided under a policy issued to Turo by Travelers Excess and Surplus Lines Company.
Rent out your car with confidence
All Turo hosts choose the host earnings plan that’s right for them, and every plan comes standard with third-party liability insurance* from Travelers.
Spring for extra peace of mind, or go light for a bigger piece of the pie.
Up to $750,000 in liability insurance
Rest easy knowing you’re covered in case of a third-party claim that may occur during a trip
Varying levels of vehicle damage reimbursements
Choose from three plans, each of which offers reimbursement for car repairs up to your car’s actual cash value** in case of damage during a trip
24/7 roadside assistance
Rest assured that roadside support is available for all trips***
Looking for more info on protection for Turo guests? Click here
Choose the plan that’s right for you
Every host earnings plan includes liability insurance, physical damage reimbursement, and access to basic roadside assistance.*** Each plan also includes specific incidental support and exclusive host insights tailored to help you manage and grow your business.****
More peace of mind plan
Earn 70% of the trip price*****
$250 damage responsibility**
Up to $750,000 in third-party liability insurance*
Two extra days to submit additional distance and refueling reimbursements
Quarterly updates, expert tips, and strategies to increase your earnings
Balanced plan
Earn 80% of the trip price*****
$1,500 damage responsibility**
Up to $750,000 in third-party liability insurance*
One extra day to submit additional distance and refueling reimbursements
Semi-annual updates, expert tips, and strategies to increase your earnings
More earnings plan
Earn 90% of the trip price*****
$2,750 damage responsibility**
Up to $750,000 in third-party liability insurance*
Annual updates, expert tips, and strategies to increase your earnings
“Turo will pay the full repair cost up to the cash value of the car, or a limit of $200,000.”
“[Turo] connects owners with renters, and provides some of the tools both parties need — liability insurance, assured transactions, dispute arbitration — to make the arrangement safe and easy for everyone involved.”
“By taking the right steps, I was able to have my whole entire car covered with no out of pocket cost.”
- Sam W., Los Angeles, CA
“It was amazing because right from the accident when Turo got notified, my claim was assigned to a specialist. Within 24 hours I got a call. I got my car towed and appraised, and at the end, Turo coverage paid for everything that I owed on the car so it was not a loss for me.”
- Okey O., Sugarland, TX
What happens if my vehicle gets damaged?
Physical damage reimbursement is not insurance, but a contractual allocation of risk between you and Turo. If your vehicle gets damaged during a trip, simply notify Turo, providing pre- and post-trip photos within 24 hours of the end of the trip. It’s important to take photos before and after each trip to document the vehicle’s condition.
A Turo associate will reach out within 1–3 days and guide you through the rest of the process. Hosts will be responsible for the per trip damage responsibility amount, then Turo will reimburse the rest of the repair costs for eligible physical damage.**
*Liability insurance is provided under a policy issued to Turo by Travelers Excess and Surplus Lines Company. Liability coverage is up to $750,000 for all host protection plans, except in some states and at some airports that require additional coverage. In New York, the liability coverage is $1,250,000. Terms, conditions, and exclusions apply. The policy does not provide coverage for damage to a host’s vehicle. For questions or information about the third-party liability insurance that is included in host earnings plans, consumers in Maryland and the licensed states listed here may contact Turo Insurance Agency at (415) 508-0283 / claims@turo.agency. For questions about how damage to a host’s vehicle is handled, visit https://turo.com/help.
**Turo is not an insurance company, and contractual reimbursement for physical damage to your vehicle is not insurance. Turo will reimburse hosts for eligible physical damage costs in excess of the host’s per trip damage responsibility amount, subject to terms and exclusions, for the lesser of the cost of repair up to the actual cash value of the vehicle or $200,000. When a trip is booked in the state of Washington, Physical Damage to the host’s vehicle is covered by insurance purchased by Turo, but Turo’s insurance does not change the contractual responsibilities of hosts or guests with respect to Physical Damage to a host’s vehicle.
***Certain roadside assistance fees may be charged. Review the Help Center article for more info.
****Host earnings plans don’t cover reimbursement for wear and tear, reimbursement for loss of hosting income, or a replacement vehicle if a vehicle is being repaired.
*****Host share varies by market and booking lead time. In most US markets, hosts earn 70%, 80%, or 90% of the trip price depending on the chosen plan. However, in Austin, Dallas, Detroit, Las Vegas, Maui, Philadelphia, Phoenix, San Diego, and Seattle, the host share is dynamically adjusted based on how far in advance a guest books. In these specific markets, earnings ranges are 65–80% (More peace of mind plan), 75–90% (Balanced plan), and 85–100% (More earnings plan). Generally, trips booked further in advance yield a higher host share, while last-minute bookings may result in a lower share to account for increased trip risk.