What Every Turo Host Needs to Know About Insurance 2025

What Every Turo Host Needs to Know About Insurance in 2025

Why Insurance is a Big Deal for Turo Hosts

Turo gives you a way to earn passive income with your car, but it also comes with real world risks: collisions, damage, theft, and downtime. That’s where insurance and protection plans come in. As of 2025, Turo offers several host protection plans, each balancing coverage with your potential earnings. Picking the right one can protect your vehicle and your wallet.

Understanding the details of each plan helps you avoid financial surprises. From deductible differences to repair delays, the right insurance choice directly affects your experience as a host. This blog explores each protection option in detail, breaks down new coverage tools for 2025, and includes real life stories from Reddit and experienced hosts.

Turo Protection Plans Overview (2025)

Every Turo plan in the U.S. includes up to $750,000 in third party liability insurance, provided by Travelers Excess and Surplus Lines Company. This protects you if a guest injures someone or damages another vehicle during a trip.

Beyond liability, each plan covers your car differently. The main variables are:

• How much of the trip price you keep (60% to 90%)
• Your deductible (the amount you pay out of pocket before coverage starts)
• Extra perks (like a rental replacement car or lost income reimbursements)

Let’s take a detailed look at each option.

The 60 Plan – The Safe Start

Earnings: You keep 60% of the trip price.
Coverage: 100% of eligible damage costs, no deductible.
Extra Benefits:

• Exterior wear and tear covered (scratches, dings)
• Reimbursement for lost income during repair days
• Up to $50/day for a rental (max 10 days)

Ideal for: New hosts, luxury cars, or owners who want maximum peace of mind. No deductible means no out of pocket costs if anything goes wrong.

Reddit Host Insight:

“The 60 plan saved me from a $1,400 bumper job. Turo handled everything. I just submitted photos and a quote.”

The 75 Plan – Best Balance of Risk and Return

Earnings: You keep 75% of the trip price
Coverage: 100% of eligible damage after a $250 deductible
Extra Benefits:

• $30/day replacement vehicle (max 10 days)

Ideal for: Most part time hosts. This plan strikes a solid balance between protection and profit.

Real Example:

“Guest returned my SUV with a cracked mirror and parking scrapes. $850 in repairs. I paid the $250, and Turo covered the rest.”

The 80 Plan – Risk Conscious Profits

Earnings: 80% of the trip price
Coverage: 100% of eligible damage after a $750 deductible
Extra Benefits: None

Best for: Hosts with some savings and experience. Be prepared to handle minor incidents out of pocket.

Caution:

“My guest dented a door. Estimate was $680, which was under my deductible. I paid it all.”

The 85 Plan – For Confident, High Volume Hosts

Earnings: 85% of the trip price
Coverage: 100% of eligible damage after a $1,625 deductible
Extra Benefits: None

Use case: You’re running multiple cars and can absorb risk. Ideal if you’ve already built a reliable rental operation.

The 90 Plan – Maximum Earnings, Maximum Risk

Earnings: 90% of the trip price
Coverage: 100% of eligible damage after a $2,500 deductible
Extra Benefits: None

Warning: Many hosts on Reddit regret this plan after a major claim.

“Got hit with $3,200 in repairs and no car for three weeks. I saved on commission but paid way more in the long run.”

Side by Side Plan Comparison

Understanding Your Deductible

A deductible is the amount you pay out of pocket before Turo covers the rest. It resets every time there’s a claim. If damage is below the deductible, you pay everything.

Example: On the 85 Plan, a $1,400 repair means you pay all of it. But a $2,000 repair would mean you pay $1,625, and Turo pays $375.

Off Trip Insurance in 2025: What Happens Between Trips

While Turo covers your car during a trip, you’re on your own when it’s parked or in personal use. To solve this, Turo partnered with Tint to provide flexible off trip insurance.

Off Trip Options from Tint:

• Liability + Damage: $89/month
• Liability Only: $56/month

This covers:

• Personal errands
• Storage or downtime between trips
• Vehicle transport or maintenance periods

Why This Matters: Your personal insurance may deny claims if they discover the car is being used commercially—even if the incident happened outside a Turo trip.

Tips from Hosts:

“A guest ended their trip. That same day, my neighbor hit the car in the lot. My regular insurance denied it. Tint would’ve helped.”

Essential Insurance Habits for Every Host

• Take photos before and after every trip
• Use the Turo app’s photo upload tool for timestamps
• Capture license plate, mileage, interior, exterior, wheels, fuel level
• Store images for at least 90 days
• If you use off trip insurance, check the rules for reporting claims

Bonus Pro Tips for Claims

• Always message the guest via Turo if something is damaged — don’t text outside the platform
• Start the claim immediately after the trip ends
• Use clear lighting in your photos
• Upload estimates from approved repair shops
• Save all receipts

Conclusion: Build Your Hosting Strategy Around Insurance

Protection plans aren’t just about accidents — they’re about how much control and confidence you have over your business. If you go with the 60 Plan, you’ll sleep easier. If you scale up and choose the 90 Plan, make sure you have savings set aside.

Turo in 2025 gives you more flexibility, but also more responsibility. The better informed you are, the more profitable (and less stressful) your journey will be.

Extended FAQs

Is there a way to avoid the deductible?
Only by choosing the 60 Plan, which has no deductible.

What’s the most popular plan among new hosts?
Most start with 75% to balance income and protection.

Does Turo’s insurance cover guests too?
Guests select their own protection plans. Your host plan covers you.

Can I use both Tint and my personal policy?
Yes, but check with Tint to avoid overlapping coverage.

What happens if my claim is denied?
Usually due to lack of photos or unclear evidence. Always over document.

How do I change protection plans?
Through your host dashboard. Updates apply to future trips.

Are EVs more expensive to insure on Turo?
Not directly, but repairs can be costlier. Choose plans with coverage in mind.

Can I remove protection entirely?
Only if you’re a Commercial Host with your own commercial insurance policy.

Does off trip coverage work during long term storage?
Yes, if the vehicle is parked and not in use. Tint offers coverage during downtime.

Can I recover lost income if my car is in the shop?
Only the 60 Plan includes lost income or $50/day alternate vehicle support.

What about tire or glass damage?
Only covered if part of a broader incident. Not wear and tear.

Does Turo inspect the car before listing?
No. Hosts are responsible for documentation and condition proof.

How long do claims take to process?
Usually 7–10 days if documentation is clear. Complex cases may take longer.

Is there a way to bundle coverage for multiple cars?
Turo doesn’t bundle plans, but Tint may offer discounts for fleet coverage.