Turo's damage protection plans simplify coverage for peer-to-peer car rentals. Effective January 7, 2026, the platform shifted to three streamlined options: the 60, 75, and 90 plans. These cover physical damage to the rental vehicle, with the 60 Plan including $750,000 in liability protection. Host earnings tie directly to plan choice, ranging from 60-90% of the trip price in most US markets.
Common exclusions apply across plans, such as tires, glass, and undercarriage damage. Renters face excesses--out-of-pocket costs before coverage kicks in--while hosts balance higher earnings against reduced protection. Insurance add-ons often carry 20-50% markups, and 41% of customers mistakenly believe loss damage waivers cover all liabilities.
This guide helps Turo hosts select plans matching their risk tolerance and earnings goals. Renters gain clarity on coverage limits to sidestep surprise expenses. Details draw from greenmoov.app analysis and Turo protection pages.
Turo's 2026 Damage Policy Updates: The Shift to 60, 75, and 90 Plans
On January 7, 2026, Turo introduced the 60, 75, and 90 plans to align earnings more closely with trip risk. These replace prior options with a focus on physical vehicle damage coverage from accidents during approved trips.
The 60 Plan provides the highest protection level, including $750,000 in liability coverage alongside repairs for collision or other physical harm to the car. The 75 and 90 plans scale back host protection in exchange for higher earnings shares, but all three address core physical damage.
This shift streamlines choices for hosts and renters in peer-to-peer rentals. For full details, see the greenmoov.app breakdown of 2026 updates and Turo's insurance page.
How Turo Protection Plans Affect Host Earnings
Turo links host earnings to protection levels. In most US markets, hosts receive 60-90% of the trip price across the 60, 75, and 90 plans.
Specific markets show broader ranges: 65–80% for the more protective plan, 75–90% for the balanced option, and 85–100% for the highest-earnings plan. Note variations across markets.
These structures let hosts trade protection for income. Higher plans like 90 maximize take-home pay but shift more repair risk to the host. Turo's insurance page outlines market-specific earnings.
Common Exclusions and Excesses in Rental Damage Policies
Rental damage policies leave gaps that catch users off guard. Tires, glass, and undercarriage damage rank among the most frequent exclusions, even when renters add insurance with 20-50% markups.
Other common exclusions cover premium vehicles, vans, trucks, and rentals exceeding 30–60 days. Excesses require renters to pay a deductible upfront, with coverage applying only above that threshold.
A key challenge stems from misconceptions: 41% of customers assume loss damage waivers handle all liabilities, overlooking these limits. Hosts should note that physical damage claims exclude these items, potentially impacting earnings. Insights from greenmoov.app highlight these patterns.
Choosing the Right Turo Plan: Coverage vs. Earnings Comparison for Hosts and Renters
Hosts prioritize earnings splits against physical damage risks, while renters focus on exclusions, excesses, and liability gaps. The 60 Plan suits risk-averse hosts with its $750,000 liability but lower earnings share. The 90 Plan appeals to those comfortable self-insuring minor repairs for maximum income (up to 100% in specific markets).
Renters should verify plan details pre-booking, as all exclude tires, glass, and undercarriage issues. Excesses vary, and add-ons with 20-50% markups do not close these holes, including limits on premium vehicles, vans/trucks, and 30–60 day rentals.
| Plan | Physical Damage Coverage | Liability | Host Earnings (Most US Markets) | Notes on Exclusions/Excesses |
|---|---|---|---|---|
| 60 | Highest level | $750,000 | 60-70% (65-80% specific markets) | Fullest protection; tires/glass/undercarriage excluded; renter excesses apply |
| 75 | Medium level | Varies | 75-80% (75-90% specific markets) | Balanced; same common exclusions; market variations noted |
| 90 | Lowest level | Varies | 85-90% (85-100% specific markets) | Highest earnings; exclusions unchanged; hosts bear more repair risk |
For Hosts: Opt for 60 if minimizing downtime from repairs outweighs earnings (60-70%); choose 75 or 90 for high-volume, low-risk vehicles to capture 75-90%+ splits, balancing physical damage coverage against market-specific ranges.
For Renters: Pair any plan with personal insurance review, watching for exclusions like tires/glass/undercarriage, excesses, 30–60 day limits, and premium vehicle gaps. Confirm details to avoid the 41% misconception trap around full waiver coverage.
FAQ
What changed in Turo's damage policy in 2026?
Turo shifted to 60, 75, and 90 plans on January 7, 2026, streamlining coverage for physical damage and tying earnings to risk levels.
Which Turo plan offers $750,000 liability coverage?
The 60 Plan includes $750,000 liability alongside comprehensive physical damage protection.
What are typical host earnings under Turo's 60, 75, and 90 plans?
In most US markets, hosts earn 60-90%. Specific markets range from 65–80%, 75–90%, to 85–100%.
What common damages are excluded from rental policies, like tires or glass?
Exclusions typically cover tires, glass, undercarriage damage, premium vehicles, vans/trucks, and rentals over 30–60 days.
Do loss damage waivers cover all liabilities in rentals?
No, 41% of customers overestimate this; waivers often leave excesses and exclusions like tires or glass uncovered.
How do insurance markups affect rental damage protection costs?
Add-ons carry 20-50% markups but do not eliminate exclusions for items like undercarriage or long-term rentals.
Review your Turo listing or booking details against these plans. Hosts, check market-specific earnings on Turo's site; renters, confirm excesses before trips.