Disclosure Paid placement. Click 4 Coverage is a client of OwnersFirm, which publishes this site and is paid when a reader who arrives from it buys coverage. The card on this page is advertising. Nothing on this page was scored or ordered for it.
Coverage Compared
Toco: the published terms, field by field
Every scored field for Toco as the company prints it, the page each fact was read on, and the score out of 100 with its arithmetic.
Facts read 2026-10-16
Company site: https://www.tocowarranty.com/
The printed terms
Role, as the company describes itselfsellersource: https://www.tocowarranty.com/faq
Legal entityVerdoro LLCsource: https://www.tocowarranty.com/faq
Headquartersnot published
Money-back periodnot published
Waiting periodnot published
Lowest deductible printednot published
Deductible options printed$100 if no deductible is noted on the registration page (vehicle)source: https://www.tocowarranty.com/faq
$0 deductible optionNo (not found on the pages read)source: not recorded in the provider file
Sample contract online, no contact details askedNo (not found on the pages read)source: not recorded in the provider file
Price online without a phone callYessource: https://www.tocowarranty.com/
Deductible and waiting period both printedNo (not found on the pages read)source: not recorded in the provider file
Vehicle age limit at purchasenot published
Mileage limit at purchasenot published
Accepts vehicles past 100,000 milesnot published
Transferable to a new ownernot published
Refund of unused share after coverage startsnot published
Sold in CA, NY, WA, MA, FLnot published
States excludednot published
Texas rosterListedsource: https://data.texas.gov/resource/7358-krk7.json
Minnesota rosterListedsource: https://mn.gov/commerce/licensing/license-lookup/
New York rosterListedsource: https://myportal.dfs.ny.gov/web/guest-applications/service-contract-providers
Nevada rosterListedsource: https://doi.nv.gov/Consumers/Service_Contract_Provider_Contact_Map
Legal entity printed on its siteYessource: https://www.tocowarranty.com/faq
Obligor namedNot named on the pages readsource: not recorded in the provider file
Backing insurer namednot published
Founding year on its own sitenot published
Government actions, last five yearsNone found on .gov pagessource: not recorded in the provider file
The score
| Part | Field | Points |
|---|---|---|
| A | Sample contract online | 0 of 15 |
| A | Price online without a call | 10 of 10 |
| A | Deductible and waiting period printed | 0 of 5 |
| B | Money-back period | 0 of 12 |
| B | Waiting period | 0 of 8 |
| B | Transferable | 0 of 5 |
| B | $0 deductible option | 0 of 5 |
| B | Refund of unused share | 0 of 5 |
| C | State rosters (4 of 4) | 12 of 12 |
| C | Legal entity printed | 5 of 5 |
| C | Obligor named | 0 of 8 |
| D | Government actions, five years | 10 of 10 |
A transparency 10 + B terms 0 + C standing 17 + D record 10 = 37 of 100 37 / 20 = 1.9 of 5
Fields that are not published score zero. A roster "not found" means the selling name was not on that state's list; the company may be registered under another name. The full rules.