Rented on Turo twice this summer. First was a suburban for a family vacation where we did 2000 miles, and the other was a luxury SUV for a long weekend. Both owners had a fleet of vehicles and 5 star rating.
We aren't sure if there was a chip in the window from a rock during our trip, but we had insurance, and the owner probably preferred to keep his 5 star ratings, so it wasn't even mentioned.
Felt more nervous driving these cars than with Hertz, but it all worked out with zero issues. Price difference was significant. One of Turo owners even delivered the car to my house for free.