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Coverage Compared
Endurance vs Toco: what each one prints
Endurance and Toco side by side on every scored field, with the source under each cell and the rows that differ marked. No winner is named.
Facts read 2026-10-16
Leaving out name and address rows, the two sheets differ on 19 of 26 rows: Role, as the company describes itself; Money-back period; Waiting period; Deductible options printed; Sample contract online, no contact details asked; Deductible and waiting period both printed; Vehicle age limit at purchase; Mileage limit at purchase; Accepts vehicles past 100,000 miles; Transferable to a new owner; Refund of unused share after coverage starts; Sold in CA, NY, WA, MA, FL; States excluded; Nevada roster; Obligor named; Backing insurer named; Founding year on its own site; Government actions, last five years; Rubric score.
| Field | Endurance | Toco |
|---|---|---|
| Role, as the company describes itselfEndurance: direct. Toco: seller. | directsource: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | sellersource: https://www.tocowarranty.com/faq |
| Legal entityEndurance: Endurance Warranty Services, LLC. Toco: Verdoro LLC. | Endurance Warranty Services, LLCsource: https://www.endurancewarranty.com/faq/ | Verdoro LLCsource: https://www.tocowarranty.com/faq |
| HeadquartersEndurance: Northbrook, IL. Toco: not published. | Northbrook, ILsource: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | not published |
| Money-back periodEndurance: 30 days. Toco: not published. | 30 dayssource: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | not published |
| Waiting periodEndurance: 30 days and 1,000 miles. Toco: not published. | 30 days and 1,000 milessource: https://www.endurancewarranty.com/faq/ | not published |
| Lowest deductible printedEndurance: not published. Toco: not published. | not published | not published |
| Deductible options printedEndurance: $100 standard if no deductible is stated on the application page. Toco: $100 if no deductible is noted on the registration page (vehicle). | $100 standard if no deductible is stated on the application pagesource: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | $100 if no deductible is noted on the registration page (vehicle)source: https://www.tocowarranty.com/faq |
| $0 deductible optionEndurance: No (not found on the pages read). Toco: No (not found on the pages read). | No (not found on the pages read)source: not recorded in the provider file | No (not found on the pages read)source: not recorded in the provider file |
| Sample contract online, no contact details askedEndurance: Yes. Toco: No (not found on the pages read). | Yessource: https://www.endurancewarranty.com/sample-contracts/source: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | No (not found on the pages read)source: not recorded in the provider file |
| Price online without a phone callEndurance: Yes. Toco: Yes. | Yessource: https://buy.endurancewarranty.com/ | Yessource: https://www.tocowarranty.com/ |
| Deductible and waiting period both printedEndurance: Yes. Toco: No (not found on the pages read). | Yessource: https://www.endurancewarranty.com/sample-contracts/ ; https://www.endurancewarranty.com/faq/ | No (not found on the pages read)source: not recorded in the provider file |
| Vehicle age limit at purchaseEndurance: 20 model years. Toco: not published. | 20 model yearssource: https://www.endurancewarranty.com/faq/ | not published |
| Mileage limit at purchaseEndurance: No mileage cap stated. Toco: not published. | No mileage cap statedsource: https://www.endurancewarranty.com/faq/ | not published |
| Accepts vehicles past 100,000 milesEndurance: Yes. Toco: not published. | Yessource: https://www.endurancewarranty.com/faq/ | not published |
| Transferable to a new ownerEndurance: Yes, fee: $50 ($40 in Florida per the state amendment). Toco: not published. | Yes, fee: $50 ($40 in Florida per the state amendment)source: https://www.endurancewarranty.com/faq/source: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | not published |
| Refund of unused share after coverage startsEndurance: Yes. Toco: not published. | Yessource: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | not published |
| Sold in CA, NY, WA, MA, FLEndurance: CA yes; MA no. Toco: not published. | CA yes; MA nosource: https://www.endurancewarranty.com/faq/ | not published |
| States excludedEndurance: MA. Toco: not published. | MAsource: https://www.endurancewarranty.com/faq/ | not published |
| Texas rosterEndurance: Listed. Toco: Listed. | Listedsource: https://data.texas.gov/resource/7358-krk7.json | Listedsource: https://data.texas.gov/resource/7358-krk7.json |
| Minnesota rosterEndurance: Listed. Toco: Listed. | Listedsource: https://mn.gov/commerce/licensing/license-lookup/ | Listedsource: https://mn.gov/commerce/licensing/license-lookup/ |
| New York rosterEndurance: Listed. Toco: Listed. | Listedsource: https://myportal.dfs.ny.gov/web/guest-applications/service-contract-providers | Listedsource: https://myportal.dfs.ny.gov/web/guest-applications/service-contract-providers |
| Nevada rosterEndurance: Selling name not found on the roster. Toco: Listed. | Selling name not found on the rostersource: https://doi.nv.gov/Consumers/Service_Contract_Provider_Contact_Map | Listedsource: https://doi.nv.gov/Consumers/Service_Contract_Provider_Contact_Map |
| Legal entity printed on its siteEndurance: Yes. Toco: Yes. | Yessource: https://www.endurancewarranty.com/faq/ | Yessource: https://www.tocowarranty.com/faq |
| Obligor namedEndurance: Endurance Dealer Services, LLC (Old Republic Insurance Company in Florida). Toco: Not named on the pages read. | Endurance Dealer Services, LLC (Old Republic Insurance Company in Florida)source: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | Not named on the pages readsource: not recorded in the provider file |
| Backing insurer namedEndurance: Old Republic Insurance Company (contractual liability policy); California MBI underwritten by Security National Insurance Company. Toco: not published. | Old Republic Insurance Company (contractual liability policy); California MBI underwritten by Security National Insurance Companysource: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf ; https://www.endurancewarranty.com/faq/ | not published |
| Founding year on its own siteEndurance: 2006. Toco: not published. | 2006source: https://www.endurancewarranty.com/about-us/ | not published |
| Government actions, last five yearsEndurance: 1 on .gov pages. Toco: None found on .gov pages. | 1 on .gov pages
| None found on .gov pagessource: not recorded in the provider file |
| Rubric scoreEndurance: 87 of 100 (A 30, B 30, C 22, D 5). Toco: 37 of 100 (A 10, B 0, C 17, D 10). | 87 of 100 (A 30, B 30, C 22, D 5) | 37 of 100 (A 10, B 0, C 17, D 10) |
Full sheets: Endurance and Toco. Orange rows are rows where the printed values differ, or where one company prints a value and the other does not. Price, claims handling and service are not compared because no public source measures them evenly. How the score works.