What’s up fam — insurance has come up here a few times over the past months, so I wanted to share my latest experience. I originally used Tint for all off-trip coverage and stayed with them for my first 10 months, paying about $100 per vehicle per month. I hadn’t planned on switching until I received an email saying my rates were increasing starting in March — and not just slightly. Some vehicles were going up nearly $40/month. This may be localized to Florida, but I’m not certain. Worth noting: I never filed a single claim. That increase pushed me to really dig into alternatives. I had already been researching coverage for private rentals but hadn’t gone deep until now. After multiple calls and quote comparisons, I realized off-trip coverage was largely unnecessary for my situation. My vehicles are used strictly for business, so carrying higher off-trip coverage from the start probably wasn’t the best fit for me. (This may differ for others — always evaluate based on your own operation.) With private rentals increasing and policy costs rising, I made the switch to Roamly. They cover both off-trip use and private rentals. I still require guests’ personal insurance to act as primary coverage for private rentals, but now I have backup protection if issues arise. Even better — my entire fleet now costs less to insure while giving me more coverage and peace of mind. Pro tip: For long-term, trusted renters with fully verified personal insurance that covers rentals, consider reducing coverage to liability-only during their rental period to lower costs even further. Hope this helps someone evaluating their options.

What did y’all do for your business’s email and phone number? Did you use your personal ones or did you open email and phone accounts for your business? My business is the Turo one.