In This Review: Pros and Cons | Cost & Discounts | Coverage | State Availability | Filing a Claim | Conclusion | Comparison | Company Information | FAQ | Methodology

Toggle is a subsidiary company of Farmers Insurance Group, which has been providing a wide range of insurance policies to customers for more than 90 years. With Farmers’ long tenure in the insurance industry, you can trust the customizable coverage you get through Toggle.

The This Old House Reviews Team has created this comprehensive Toggle renters insurance review to help you decide if the company is the best provider for you and your home. Keep reading to learn about the company’s coverage, customer service, and cost.

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Pros and Cons of Toggle Renters Insurance

Compare the benefits and drawbacks of Toggle renters insurance:

Pros Allows you to customize how much and the type of personal property coverage you want Created by Farmers Insurance Group, which has over 90 years of experience Customers can view a sample contract on the website
Cons Can’t talk to a customer service representative over the phone Only available in 25 states



How Much Does Toggle Cost?

Toggle offers three coverage levels that cost $5.00, $12.50, and $25.25 per month. Once you select the plan you want, you can further customize the coverage.

Here’s what each plan covers without customization:

Cost of Toggle Renters Insurance

Furniture + Appliances$0$4,000$6,000
Fashion + Jewelry$0$2,000$3,000
Creative + Maker$0$1,000$3,000
Loss of use$0$50 per day$100 per day
Medical paymentsIncludedIncludedIncluded
EndorsementsNoneTemporary living costsTemporary living costs, replacement cost, identity protector
Monthly cost$5$12.50$25.25

On average, renters have roughly $30,000 worth of personal property, so the plan that comes closest to covering that amount is the Premium Plan. You may need to customize the plan to get the right amount of insurance coverage for your home.

Regardless of where you live, Toggle will give you the same base quote described above. If you want to customize one of these plans to fit your needs and see how that will affect the monthly cost, you can go to the Toggle website and input your name, address, and date of birth.

Pet owners insured with Toggle renters insurance are also eligible to receive a 5% off discount from Pets Best pet insurance with an additional 5% off if insuring multiple animals. This discount applies to the BestBenefit plan and is not available in AK, FL, HI, or TN.



Toggle Renters Insurance Coverage

Toggle renters insurance is an all-risk policy, which means every event is covered except for the ones explicitly stated as not covered.

Toggle provides loss of use, liability, and medical payment coverage like other insurance providers. Where the company differs is on how personal property is handled. Toggle offers a blanket coverage of $1,000 for any personal property. If you want to add more coverage, you can customize the coverage amounts by breaking it into six personal property subcategories.

Here’s an overview of those subcategories and the other types of coverage:

  • Blanket Coverage: This coverage is included in every plan you purchase, providing $1,000 of protection for any personal property.
  • Technology Coverage: This personal property category protects electronics like laptops, phones, and TVs.
  • Furniture + Appliances Coverage: This covers couches, chairs, beds, tables, wall decor, and kitchen appliances.
  • Fashion + Jewelry Coverage: This provides coverage for clothing, accessories, makeup, and other related items.
  • Creative + Maker Coverage: This protects items needed to make artistic creations like cameras, 3D printers, and DJ equipment.
  • Active Coverage: This part of the policy protects equipment you use to exercise like bikes, yoga mats, and sports equipment.
  • Collectibles Coverage: Collectibles coverage is for more valuable items that you collect, like artwork, heirlooms, and antiques.
  • Loss of Use Coverage: Toggle calls this coverage, “temporary living costs,” and it’s available as an add-on. It covers a certain amount of additional living expenses per day when an event makes your home temporarily unlivable.
  • Liability Coverage: If you’re responsible for causing injury to a neighbor or damage to their personal property, your liability coverage will pay for any costs associated with making repairs or replacements or paying medical bills. It will even cover legal fees if they sue you.
  • Coverage for Medical Payments to Others: This part of the policy pays for medical bills for a guest that gets injured in your home.

Here are the coverage limits for each of those areas of coverage:

Toggle Range of Coverage

Type of CoverageRange of Coverage
Furniture + Appliances$0–$20,000
Fashion + Jewelry$0–$10,000
Creative + Maker$0–$10,000
Loss of use$0, $50, $100, or $150 per day
Liability$100,000, $200,000, or $300,000
Medical payments to othersNo limit
Deductible$100, $250, $500, or $1,000

Toggle Optional Coverage

Here are the optional coverages you can add to your plan in addition to temporary living costs:

  • Pet Parent Coverage: This protects damage your pet causes. Protected pets include fully domesticated animals like dogs, cats, birds, reptiles, and rodents.
  • Replacement Cost Coverage: Toggle’s base policy is an actual cash value policy, so it replaces your items according to what they’re worth now. With this add-on, you can get a replacement cash value policy, which replaces the items as if they were new.
  • Side Hustle Coverage: If you have a side job that you do at home, you can purchase this add-on to protect your work and equipment.
  • Identity Protector Coverage: This add-on protects your identity by sending you monitoring alerts and giving you professional support if your identity is stolen.
  • Significant Other Coverge: If you live with a significant other that you aren’t married to, you can add them to your policy.

What’s Not Covered By Toggle Renters Insurance

Toggle offers sample contracts for each state, and all of the sample contracts include these events as exclusions:

  • Neglect, Lack of Maintenance, or Failure to Make Repairs: If you fail to properly care for an item, Toggle will not pay for its repair or replacement.
  • Destructive Acts: Any intentional or unintentional damage that arises out of destructive behavior will not be covered.
  • Nuclear Hazard: This includes nuclear reactions, nuclear radiation, or radioactive contamination.
  • Intentional Acts: Similar to destructive acts, any behavior that intentionally causes damage or harm isn’t covered.
  • Governmental Action: Toggle’s policy will not protect you if a government authority confiscates, seizes, quarantines, condemns, or destroys you or your property.
  • Mysterious Disappearance: If you misplace your property, Toggle will not pay to replace it.



State Availability of Toggle Renters Insurance

Toggle Renters insurance is currently only available in these 25 states. Click on your state to discover the best providers near you.

Arizona | Arkansas | California | Colorado | Georgia | Illinois | Indiana | Iowa | Kansas | Kentucky | Louisiana | Michigan | Minnesota | Mississippi | Missouri | New Jersey | Ohio | Oklahoma | Oregon | Pennsylvania | South Carolina | Tennessee | Texas | Utah | Virginia | Wisconsin



Customer Service and Claims Support

Toggle handles all of its customer service online. You can log into your account to manage your policy or file a claim yourself. You can also fill out an online form or click the chat button to talk to a customer service representative. Representatives are available Monday through Friday, from 9am–12am and Saturday, from 10am–9pm



Our Conclusion

Toggle may be a good option for someone who doesn’t have a lot of personal property and is looking for cheap renters insurance. While Toggle does allow you to customize your personal property coverage, you can only get coverage for up to $80,000, and once you surpass around $10,000 worth of protection, the policies become less and less affordable.

Before deciding which renters insurance company will best suit your home, get a quote from at least three providers to see how coverage and pricing compares.

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Toggle Renters Insurance vs. The Competition

If you’re not sure whether Toggle is right for you, compare it to other top-rated renters insurance companies below.

Link Star Rating
State Farm
Star Rating
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Star Rating
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State Farm
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Star Rating
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Company Overview

  • Company Name: Toggle
  • CEO: Stephanie Lloyd
  • Years in Business: 1 year
  • State Availability: 25 states
  • Address: 6301 Owensmouth Avenue
  • City/State: Woodland Hills, CA
  • Zip Code: 91367
  • A.M. Best Financial Strength Rating: A



Frequently Asked Questions About Toggle



Our Methodology

The This Old HouseReviews team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.

With that in mind, we created an objective rating system to score each renters insurance company. Here’s what that review process looked like:

  • We analyze the information on each company’s website. This allows us to determine what products and services are offered by each renters insurance provider.
  • We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
  • We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.

With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:

  • Coverage (30): We rated home insurance companies higher if they offered the six main types of renters protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
  • State availability (7.5): Companies scored higher if they covered more states than their competitors.
  • Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
  • Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
  • Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau (BBB) ratings.
  • Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.

Our Reviews team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability.

*A.M. Best ratings accurate as of January 2023

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