Insurance & vehicle protection for Turo hosts

Turo Insurance Agency, LLC

Insurance & vehicle protection for Turo hosts

Third-party liability insurance provided by Liberty Mutual secured through Turo Insurance Agency, LLC

Liberty Mutual Insurance Liberty Mutual Insurance

Share your car with confidence

All Turo hosts choose the protection plan that’s right for them, and every host plan comes standard with up to $750,000* in third-party liability insurance from Liberty Mutual.

Spring for extra peace of mind, or go light for a bigger piece of the pie.

Up to $750,000 in liability insurance

Up to $750,000 in liability insurance

Share confidently knowing you’re covered in case of a third-party claim that may occur during a trip

Varying levels of vehicle protection

Choose from five plans, each of which offers reimbursement for car repairs up to your car’s actual cash value** in case of damage during a trip

Varying levels of vehicle protection
24/7 roadside assistance

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

Are you an independent rental car company? Drum up demand and earn even more by waiving a protection plan for yourself and offering your guests your own commercial rental insurance.

Learn more about becoming a Commercial Host
Choose the plan that’s right for you Choose the plan that’s right for you

Choose the plan that’s right for you

While every protection plan includes liability insurance, physical damage reimbursement, and access to 24/7 roadside assistance,**** you get to pick the plan options that make sense for you.

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***

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***
  • 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

“Turo will pay the full repair cost up to the cash value of the car, or a limit of $125,000.”

“When lending out your vehicle on Turo in the United States, the company provides insurance for the host through its partnership with Liberty Mutual.”

“Liberty Mutual, the fifth-largest insurance company in the U.S., is Turo’s exclusive provider.”

- Sam W., Los Angeles, CA

“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

- Okey O., Sugarland, TX

“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 deductible amount, then Turo will reimburse the rest of the repair costs for eligible physical damage.**

Start your engine! Start your engine!

Start your engine!

Ready to go? List your car on Turo today, start earning tomorrow.

* 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, above 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.
**** Certain roadside assistance fees may be charged. Review the Help Center article for more info.
***** Exceptions may apply for trips that used Turo Go remote unlocking technology. Review the FAQ for more information on remote handoffs.
*
Liability insurance is provided by Liberty Surplus (a Liberty Mutual company). All Liberty Mutual liability insurance in the US is offered through Turo Insurance Agency. Terms, conditions, and exclusions apply.
Hosts who provide their own commercial rental insurance do not receive Turo coverage for their vehicles or their customers. All hosts outside of the USA, UK, and Alberta, British Columbia, Nova Scotia, Ontario, and Quebec in Canada must have commercial rental insurance for their customers.
Top benefits for hosts who opt for a protection plan provided via Turo Insurance Agency LLC. Hosts who provide their own commercial rental insurance do not receive a protection package, nor do their guests.