In this video I break down private rental insurance because it’s easily the biggest question I get—and I get why. Insurance in car rentals is complicated, and most of the advice floating around is outdated. I start with how Turo protection plans actually work (90/80/75/60), what you’re really paying in revenue share, and why I always recommend the 90 plan. I’ve done the math a hundred times across hundreds of cars, and giving up that extra 30% just to chase a $0 deductible is basically never worth it. Then I get into the part that trips people up: just because you’re on Turo doesn’t mean you’re “fully insured.” You still need your own policy, and I explain why personal insurance is the worst option (they exclude rentals, and you can get denied even off-trip). From there I lay out the commercial options: off-trip “platform-only” policies (like when you’re renting strictly on Turo), true private rental insurance (direct bookings with contracts and customer vetting), and ride share insurance (priced per day, heavy vetting, and it only covers ride share use). Finally, I walk through how claims should be filed based on fault, why verifying renter insurance matters (Tesla insurance is a real gotcha), typical deductibles ($2,500 is common), and how I manage risk by monitoring driver behavior so I don’t get crushed on loss runs and canceled by carriers. Private can pay 50–100% more than platform—if you’re willing to run real systems.