New York Hosts: Your Liability Coverage Just Changed

June 17, 2026: New York hosts' default liability coverage dropped from $1.25 million to a state-mandated $75,000 per person and $150,000 per accident. That's not a Turo decision. It's a new state law, and it hit every New York listing automatically, no opt-in required.

The full breakdown is in Turo's own Insurance Changes for New York Host & Guest of Turo; the governing document is Turo's Terms of Service.

The actual numbers, before and after

Before June 17: up to $1.25 million in liability coverage, higher than the $750,000 standard that applies to hosts everywhere else on the platform. After June 17: New York's own peer-to-peer vehicle sharing law caps the default at $75,000 per person, $150,000 per accident, a fraction of what New York hosts had a day earlier. Neither the old $1.25 million figure nor the standard $750,000 figure carries over in New York specifically.

The opt-up, and why it doesn't fully close the gap

New York hosts can move to the More Peace of Mind earnings plan for a $300,000 combined liability limit. That's a real improvement over the new state minimum, and it's still less than a quarter of the old $1.25 million ceiling. If your fleet's real exposure was priced around the old number, $300,000 is the actual current maximum available to you inside Turo's own plan structure, not a full replacement for it.

What changed for the guests you host

Guests booking in New York now have access to Supplemental Liability Insurance through Mobilitas, the same coverage already available in 23 other states. That's a new option for guests wanting more than the state minimum, and it's worth mentioning in your welcome message if you host higher-value vehicles, since a guest who adds SLI is also a guest with more skin in the game if something goes wrong.

What $75,000 actually doesn't cover

A serious accident involving significant injuries routinely produces six-figure claims once medical costs, lost income, and legal costs are added up. The old $1.25 million ceiling was sized for exactly that kind of worst case. The new $75,000-per-person state minimum was not designed with Turo's specific claims history in mind; it's a generic peer-to-peer floor set by state legislators. That gap is precisely why the $300,000 More Peace of Mind opt-up exists, even though it still sits well under the pre-2026 number.

The concrete next step for New York hosts specifically

Check which earnings plan each of your New York vehicles is actually on this week, not from memory. If any are still on a lower-share plan without the More Peace of Mind opt-up, that's a five-minute fix worth making before you need the extra coverage rather than after.