How it works

Vehicle protection for hosts

Insurance coverage from Liberty Mutual offered through Turo Insurance Agency, LLC.

All host protection plans in the United States come standard with up to $750,000* in third-party liability insurance from Liberty Mutual, as well as varying levels of contractual reimbursement from Turo for physical damage and theft — the level of protection varies with the plan you choose. For physical damage reimbursements, hosts are responsible for the deductible amount, which varies by plan, and then Turo would reimburse the rest of the eligible repairs up to the actual cash value of the car, or $125,000, whichever is the lesser amount.**

With each plan, you’ll earn a percentage of the total trip price, and be responsible for different deductible levels. When choosing a protection plan, remember that the higher the percentage of the trip price you earn, the higher the deductible and the fewer reimbursements that are available to you.

Turo host protection plan options


60 plan

Splurge on top-tier protection with the full suite of extra benefits

  • Earn 60% of the trip price
  • Up to $750,000 in third-party liability insurance *
  • Turo pays 100% of eligible damage costs **
  • No deductible **
  • Includes exterior wear and tear reimbursement
  • Includes loss of hosting income during repair OR $50/day replacement vehicle reimbursement (10 day max) ***

70 plan

Spring for solid coverage with a minimal deductible

  • Earn 70% of the trip price
  • Up to $750,000 in third-party liability insurance *
  • Turo pays 100% of eligible damage costs above the deductible **
  • $250 deductible **
  • $30/day replacement vehicle reimbursement during repair (10 day max) ***
  • Doesn’t include exterior wear and tear reimbursement
  • Doesn’t include loss of hosting income during repair

75 plan

Pocket more with a moderate deductible

  • Earn 75% of the trip price
  • Up to $750,000 in third-party liability insurance *
  • Turo pays 100% of eligible damage costs above the deductible **
  • $750 deductible **
  • No replacement vehicle reimbursement during repair
  • Doesn’t include exterior wear and tear reimbursement
  • Doesn’t include loss of hosting income during repair

80 plan

Earn big by taking on a larger deductible

  • Earn 80% of the trip price
  • Up to $750,000 in third-party liability insurance *
  • Turo pays 100% of eligible damage costs above the deductible **
  • $1,650 deductible **
  • No replacement vehicle reimbursement during repair
  • Doesn’t include exterior wear and tear reimbursement
  • Doesn’t include loss of hosting income during repair

85 plan

Cash in on the highest risk, highest reward plan

  • Earn 85% of the trip price
  • Up to $750,000 in third-party liability insurance *
  • Turo pays 100% of eligible damage costs above the deductible **
  • $2,500 deductible **
  • No replacement vehicle reimbursement during repair
  • Doesn’t include exterior wear and tear reimbursement
  • Doesn’t include loss of hosting income during repair

If you change your mind, you can choose a new plan at any time — but keep in mind that any change you make will only apply to future trips, not currently booked trips.

If you have your own commercial rental insurance

If you’re a rental car company looking to share your fleet via Turo, you can waive these host protection options (liability and physical damage reimbursement) and provide your own commercial rental insurance to your guests for a bigger piece of the pie.

Car rental companies who choose to provide their own commercial insurance waive all insurance and protections — including liability insurance, physical damage reimbursement, and roadside assistance - but earn 92.5% of the trip price.

Frequently asked questions

Why don’t I get to keep 100% of the trip price?

The percentage of the trip price that Turo retains helps Turo run smoothly and covers:

  • The costs Turo incurs for assuming the financial responsibility for potential damage to your vehicle during a trip.
  • Other expenses, including operational costs to run the platform, as well as marketing and advertising costs to help drive demand and promote hosts’ cars.

Do I need my own vehicle insurance?

Yes, you still need your own insurance for your vehicle.

Because our vehicle protection plans cover trips booked on Turo only, you are still required to carry your own insurance in order to comply with the law.

If you’ve chosen to provide your own commercial insurance, you’ll need to file any claim according to your internal insurance processes. Since you will have waived Turo protections, Turo and its insurers will not be responsible for any damage claims during a trip.

For hosts opted into Turo’s vehicle protection plans, the Turo vehicle protection plan you chose will act as primary coverage for damage that occurs during a trip. Your own insurance — which likely has an exclusion for coverage when you engage in car sharing — should not be affected in most cases. If you have chosen to provide your own commercial insurance and waived Turo protections, any damage to your vehicle or liability to a third party during a trip will be covered by your commercial policy.

What happens if my vehicle gets into an accident?

In the rare case that your vehicle is involved in an accident, your guest should report it immediately. If you notice damage at the end of the trip, please report it immediately at http://turo.com/resolutions.

To ensure eligibility for reimbursement under a protection plan, hosts must:

  • Report damage within 24 hours of the end of the trip. A Turo associate will then reach out and guide you through the process.
  • Take clear photos to document the vehicle condition at the start and end of each trip. Use the in-app check-in and checkout features to take and upload the photos.****

If you have additional questions, please talk to your insurance professional.

Review the FAQ for a deeper dive into all the host protection plans.


* Liberty Mutual liability insurance in the US is secured through Turo Insurance Agency. Terms, conditions, and exclusions apply. Liability coverage is up to $750,000 for all host protection plans, except in some states and at some airports that require additional coverage.

** 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 deductible, subject to terms and exclusions, for the lesser of the cost of repair up to the actual cash value of the vehicle or $125,000. For the Tesla Model X, Tesla Model S, and Tesla Model 3 only, Turo will be responsible for the cost of eligible repairs, after the deductible, subject to terms and exclusions, for the lesser of the cost of the repair up to the actual cash value of the vehicle, even if it is more than $125,000.

*** If a host elects to receive loss of hosting income on the 60 plan, they won’t be eligible for any replacement vehicle reimbursement, and vice versa — if a host elects to receive replacement vehicle reimbursement, they won’t be eligible to receive loss of hosting income.

**** Exceptions may apply for trips that used Turo Go remote unlocking technology. Review the FAQ for more information on remote handoffs.