First time leaser help - highlander

Hi all. Thanks for the info so many of you have posted. It’s led to what I think is a pretty good deal on a new Highlander. A couple questions remain still so I’m hoping you can help. The MSRP they gave doesn’t include the $960 destination fee. I think it should, which would increase the residual and decrease my monthly payment. Am I in the right? Second question, does gap insurance come with Toyota leases?

Which state are you in? Toyota has something like 10 regional financing entities.

I live in PA but the dealership is just across the border in NY.

MSRP should include Dest.

No gap. You’ll have to get it from your insurer or self insure. Toyota’s $650 gap protection is outrageous