Confusion is prevalent amongst new hosts when navigating the requirements for personal insurance on Turo. As a host in the US, you must demonstrate financial responsibility for your vehicle, regardless of the protection plan provided by Turo.
For those with smaller fleets, commercial insurance typically can be avoided. However, it is imperative that you ensure your personal policy allows for peer-to-peer car sharing. As of this writing, Root Insurance (used by Buive) has allowed for such transaction. We have found them to be the best combination of price & coverage for our Turo needs. The policy is app-based an immediately accessible for all hosts and their renters.
As you begin shopping for car insurance providers, always confirm that they allow for this Turo stipulation. Should problems and accidents arise, insurance companies may deny and/or drop coverage when they find out your vehicle was used by an unknown renter.
Note: All recommendations & advice provided should not be taken for gospel. Turo T&S change continuously; due diligence is required for proper personal insurance. I may earn commission for referrals.
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