Insurance and protection plan summary | US – Turo Support

Fast Facts:

The protections described here are available only to US hosts and guests who choose a Turo protection plan and comply with our Terms of Service.
You can read a simple description of insurance coverage in Canada, Germany, and the UK.
Read the complete details of US host protection plans and US guest protection plans.
Consult an insurance professional if you need help choosing among these options. Or contact Turo support, and we’ll direct you to our insurance broker.

Host

All host protection plans include liability coverage up to $1,000,000 during the booking and delivery periods. Deductibles and physical coverage varies depending on the circumstances described below.

Booking period

The booking period is the period shown in the trip confirmation.

If you choose the Premium or Standard protection plan, there's no deductible for physical damage protection for your car.
If you choose the Basic plan, there’s a $3,000 deductible.

Delivery period

The delivery period is the time when the host or custodian is in transit to deliver the car to the guest. The delivery period doesn’t include the time after the host or custodian gets the car back from the guest. Hosts and custodians who make deliveries must be approved Turo drivers.

There’s no protection for physical damage to your car during delivery.

More detailed information is available about host protection plans in the US.

Primary guest

Your liability coverage and deductible depends on which Turo protection plan you choose.

	Premier Plan	Standard Plan	Minimum Plan	Decline Coverage
Liability coverage	Up to $1,000,000	Minimum required by the state where the car is registered	Minimum required by the state where the car is registered	Minimum required by the state where the car is registered
Deductible	$0	$500	$3,000	Guest is liable for all costs related to physical damage to the vehicle
Physical damage protection for covered up to the Actual Cash Value of the car	Yes	Yes	Yes	No
Mechanical or interior damage coverage	No	No	No	No

Premier Plan

Liability coverage up to $1,000,000
Physical damage to the car is covered up to the actual cash value of the car.

Premier is not available for trips in vehicles with a total market value of more than US $25,000.00.

This plan coverage is primary, and your out-of-pocket exposure is $0.

Standard Plan

Liability coverage up to the minimum required by the state where the car is registered
Physical damage to the car covered up to the actual cash value of the car

Coverage is secondary to any other insurance you may already have. Exceptions apply.*
Once you’ve exhausted your own insurance for physical damage, your out-of-pocket exposure is limited to $500.

There’s no deductible for the supplemental liability coverage.

Minimum Plan

Liability coverage up to the minimum required by the state where the car is registered
Physical damage deductible is $3000.

Coverage is secondary to any other insurance you may already have. Exceptions apply.*

Decline coverage

Liability coverage up to the minimum required by the state where the car is registered

None of the guest plans offer coverage for mechanical or interior damage. You’re fully, financially responsible for any such damage.

Commercial Host trips

You may book a trip with a Commercial Host. These hosts provide their own rental liability insurance to guests. If you book with a Commercial Host, check the listing for information about coverage limits, exclusions, and costs.

*Please refer to guest protection plans in the US for details about applicable exceptions.