Toggle Renters Insurance Review
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Coverage options
Discounts
NAIC complaints
Toggle
Coverage options
Discounts
NAIC complaints
About Toggle renters insurance
Toggle renters insurance earned 3.5 out of 5 stars for overall performance. Founded in 2018, Toggle is a new brand of renters insurance from Farmers. It’s designed for people who want to customize their policies quickly and easily online, with a range of unique add-on features such as coverage for side hustles and a package specifically for pet owners.
Toggle’s standard policies will generally pay for damage from flooding and earthquakes, coverage that costs extra from most other insurance companies. However, Toggle renters insurance isn't currently available in all states.
Where Toggle stands out
Coverage. Some of the coverage Toggle includes in its standard policies would cost extra from other companies or not be available. This includes coverage for flooding, earthquakes, personal injury liability, bedbug remediation and damage from water backups.
Partner perks. Toggle may not offer many discounts on its renters policies, but you could save money on various other products and services through its partner offers.
Where Toggle falls short
Consumer complaints. Toggle draws a much higher volume of complaints to state regulators than most of its competitors.
No mobile app. Toggle’s website is mobile friendly, but the company doesn’t have an app you can use to manage your policy.
Availability
Toggle renters insurance is available in 33 states and Washington, D.C.
Toggle renters insurance coverage
The process of choosing coverage with Toggle works a little differently than it does with other companies. Toggle’s base policy includes the following:
$1,000 of coverage for your personal belongings. They’re covered anywhere in the world, up to your policy limit.
$100,000 of renters liability coverage, which can pay if someone sues you for injuring them or damaging their things. Toggle also includes personal injury liability coverage, which can pay to defend you from lawsuits for things like slander, libel and wrongful entry.
Coverage for medical payments to others, which can pay for someone injured in your home, with no lawsuit required.
Standard renters policies from other companies generally include loss of use coverage, which pays for you to live somewhere else while your home is being repaired after a covered claim. With Toggle, this is called temporary living costs and can be added to the basic plan for an extra fee.
Want more than the base level of $1,000 in personal property coverage? While other insurers have you select a single limit to cover everything, with Toggle, you’ll choose limits in a variety of categories:
Technology. Covers computers, phones, TVs and other devices.
Furniture and appliances. Pays for beds, sofas, cookware and more.
Fashion and jewelry. Covers clothing, shoes, jewelry and other accessories.
Creative gear. Pays for cameras, musical instruments, art supplies and more.
Active. Covers bikes, camping gear, exercise machines and other sporting equipment.
Collectibles. Pays for artwork, trading cards, antiques and other collectibles.
Unlike most other insurers, Toggle covers your belongings for flood damage — and, in every state but California, it covers earthquake damage, too. It can also pay to help you get rid of bedbugs or to clean up water damage if a drain backs up.
Once you’ve chosen your coverage amount in each of the categories above, you may be able to add the following optional features:
Pet Parent coverage. In most states, this includes up to $100,000 of liability coverage if your pet hurts someone outside your household, plus $500 for boarding costs if your home is uninhabitable after a covered claim. It also covers up to $500 of damage your pet does to your home and (in some states) up to $500 for vet bills if your pet is injured by an event your policy covers.
Replacement cost coverage. Selecting this option means that if your belongings are stolen or destroyed, Toggle will pay enough for you to buy brand-new replacements. Otherwise, the company will pay claims on an actual cash value basis, with deductions for older items that aren’t worth as much as they used to be.
Side Hustle coverage. If you have a passion project or side gig that brings in less than $25,000 a year, Toggle can cover your equipment plus lost income if you can’t complete a job because something breaks. This coverage can also pay for certain legal issues. However, it doesn’t include rideshare insurance.
Identity Protector coverage. If someone steals your identity, this coverage will pay for expenses associated with cleaning up the mess, such as legal fees and lost wages. It can also monitor your credit and connect you with a specialist who can help you resolve the issue. Learn more about identity theft insurance.
Discounts
You may be eligible for a bundling discount if you buy both auto and renters insurance from Toggle.
The company will reduce your deductible each year you don’t file a claim.
Toggle has partnered with dozens of other brands to provide discounts on rental cars, clothing, food delivery services and more.
Consumer complaints
Toggle had far more than the expected number of complaints to state regulators relative to its size for home insurance, according to three years’ worth of data from the National Association of Insurance Commissioners. (NAIC home insurance complaints cover other home policy types, including mobile home, renters and condo insurance.)
Consumer experience
Website: The Toggle website offers online quotes and claims filing, plus an FAQ section where you can find information about the company and its policies. There’s also a Toggle Perks page with a list of discount offers from the company’s partners. When you log in to your online account, you can see policy documents, update personal information and change your billing method.
Claims: You can file a renters claim and check its status through your online account. One of Toggle’s claims adjusters will reach out to you to move the process forward.
Customer service: For assistance, you can submit a contact form on the website, use the site’s chat function, email [email protected] or call 855-864-1530.
» MORE: The cheapest renters insurance
Other renters insurance companies to consider
Not ready to make a decision? You may be interested in these other renters insurance companies:
Methodology
Renters insurance star ratings methodology
NerdWallet’s renters insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage options, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full renters insurance rating methodology.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
In This Review . . .
