Does farmers insurance cover damage or liability incurred while using platforms like Turo?

Farmers Insurance covers most types of rental vehicles, including passenger cars, pickup trucks, and SUVs, but it's essential to check your policy terms to confirm.

If you have an auto policy with Farmers Insurance, you'll get the same amount and types of coverage provided by your personal policy, which extends to accidents occurring within the United States, its territories, Puerto Rico, and Canada.

However, Farmers Insurance may not cover Turo rentals in all cases, especially if you're renting as a rentee, so it's crucial to check with your insurance company before borrowing a car from Turo.

Some car insurance companies, such as GEICO, Progressive, and Allstate, specifically exclude coverage for cars loaned through Turo.

According to Reddit users, Farmers Insurance may cover Turo rentals if you have full coverage with rental coverage on your policy, but not if you're renting as a rentee.

Most insurance companies don't consider Turo rentals the same as a traditional rental car, so your insurance coverage may not apply.

If you have insurance coverage that covers you for rentals, it may not cover you for borrowing a Turo car.

Insurance available for rental cars from your credit card company likely won't apply to borrowing or renting a car from Turo.

Turo's insurance is secondary, which means you'll need to use any personal auto insurance coverage first before Turo's coverage applies.

Turo's policy does not provide coverage for damage to a host's vehicle, only to the renter.

Turo's protection plans come standard with $750,000 in third-party liability insurance issued to Turo under a policy from Travelers.

The level of protection varies with the protection plan chosen, and hosts can opt for additional coverage.

Farmers Insurance agent Joel Brekken explains that with most personal auto policies, your coverage extends to vehicles that you rent on a temporary basis and drive yourself, but it's essential to check your policy or call your agent to verify.

If you book a trip with a protection plan made available via Turo, you don't need personal insurance coverage, as the protection plan provides coverage.

Turo insurance costs for renters vary depending on the protection plan chosen and the deductible, with costs increasing as a function of the overall cost of the trip.