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Auto

Avoid surprise repair bills — drive with confidence.

Explore Auto Plans
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Home

Protect the systems that keep your home running.

Explore Home Plans
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Employee Benefit Plans

Offer peace of mind to your team as an employee benefit.

Discover Toco at Work
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Marine

Keep your boat ready for every adventure.

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Interested in Home Warranty?

Protect your home appliances and systems with reliable coverage plans.

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Want to know more about Employee Benefits Plans?

Discover employee-friendly plans that improve productivity and retention.

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When things break, we don’t. Discover the benefits that set us apart.

  • No Down Payment

  • Cancel anytime

  • Trusted by thousands

  • Choose Your Favorite Mechanic

  • Award-winning customer care

  • We pay the shop directly

How it works

(and why it’s so easy)

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Car won’t start?Fridge stopped working?

We’re here for you. Our award-winning Customer Care Team will help you from start to finish—no guesswork, no stress.

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We’ll handle the repair

Choose any licensed mechanic, contractor, or marine tech you trust. Need a recommendation? We’ve got your back. We’ll coordinate directly with them to approve the work — fast and hassle-free.

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Toco pays the bill

Once your repair is authorized, you cover your deductible—we cover the rest, directly. No reimbursements, no delays. Just peace of mind.

What our customers are saying

Hear from some of the thousands of people who trust Toco for their coverage needs.

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We believe peace of mind shouldn’t be a luxury.