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Michael Graw
Michael Graw
May. 03, 20214 min read

Toggle summary

Toggle® is a digital insurance company owned by Farmers®, currently offering renters insurance in 25 states. The appeal of Toggle is that it’s fast and simple to upgrade or downgrade your coverage if you buy a new computer or another item you want to protect.

Pros

  • Highly flexible coverage in multiple categories
  • Option for replacement cost coverage
  • Offers an ‘All Peril’ policy that covers natural disasters

Cons

  • Expensive relative to other renters’ insurance policies
  • Not available in all states
  • $300K max liability
Toggleat a glance
4.4

Editorial score

Variety of coverage options

Covers many forms of loss, theft and damage. Additional charges for personal property coverage

3.0

Customizable rates and services

Fully customizable plans and rates with the option to buy fully online or with the help of an agent

5.0

Online experience and customer support

Fully functional site, with 24/7 communication

4.0

Quote time

Under 2 minutes

5.0

Direct Insurer?

Yes, direct insurer

5.0

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Who Can Benefit From Toggle?

Toggle is best suited for renters who want both liability coverage for their rental property and protection for their belongings. The nice thing about Toggle is that you can fully customize your plan, so you only pay for coverage for the items you’re worried about. You can also opt for a relatively low $100 deductible, which is advantageous if you want to protect lower-cost items.

That said, note that Toggle is slightly more expensive than some of its competitors for similar amounts of possession coverage. So, this company may not be the best choice if you have a lot of expensive items to insure.

Features

Toggle offers both liability coverage for renters and insurance for your stuff. The platform stands out for enabling you to upgrade or downgrade your coverage at any time. Plus, your coverage is divided into multiple categories. Toggle offers additional coverage for pet damage and temporary living costs, plus an option to pay out the replacement cost for your items rather than just the cash value. 

  • Upgrade or downgrade coverage at any time
  • Spread coverage across multiple categories
  • Optional pet damage coverage
  • Choose your own deductible
  • All plans include $100,000 or more of liability coverage

Application Process

Getting started with Toggle is relatively easy, as you can go through the entire process online. Just enter your name, address, and birthday and Toggle will do a soft pull of your credit report to get started. Note that this won’t affect your credit score. From there, you can choose and customize your policy. Typically, a new Toggle policy is finalized within a few days. When you buy a policy, it becomes effective at the time of purchase along with proof of insurance and policy documents.

One thing to note, though, is that Toggle isn’t available in all 50 states. Notably, coverage isn’t available in New York, New Jersey, Washington, or California, among around 20 other states.

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Policy Types and Terms

When you sign up for Toggle, you have three default policies to choose from: Basic ($5 per month), Standard (starts at $12.50 per month), and Premium (starts at $25.25 per month). All plans are month-to-month and you can upgrade or downgrade at any time.

The Basic plan is essentially liability coverage:

  • Up to $100,000 liability coverage
  • $1,000 worth of coverage for your stuff
  • $500 deductible.

The Standard plan includes significantly more coverage for your possessions:

  • Up to $100,000 liability coverage
  • Customizable coverage for your belongings
  • Customizable deductible

The Premium plan includes:

  • Up to $200,000 of liability coverage
  • Temporary housing reimbursement up to $100 per day if you can’t occupy your home for any reason that is covered by the policy
  • Customizable coverage for your belongings
  • Customizable deductible

The exciting part about Toggle is that you can customize how much protection you want for your belongings with all plans (with the exception that you can't remove liability). You can increase your coverage in $1,000 increments for categories like ‘Technology', 'Furniture and Appliances’, ‘Fashion and Jewelry,’ or ‘Active’. This means that your plan is perfectly tailored to the high-value items you want to protect.

Notably, you can also choose your deductible. Toggle offers options for $100, $250, $500, or $1,000 deductible amounts.

Finally, Toggle offers some add-on coverage you can purchase. This includes coverage for pet damage in your home and replacement value coverage. If you don’t opt for replacement value coverage, Toggle will only insure your items for their depreciated cash value rather than the amount it costs to replace them.

How Safe Is It? 

Toggle is owned by Farmers Insurance, a major national insurer that's been around for over 90 years. In that sense, it may be significantly more trustworthy than other low-cost renters’ insurance companies. 

Help & Support

Toggle’s customer support team is available through live chat Monday - Saturday from 9:00 AM - 9:00 PM eastern time and through email. You can write in with a support request or a claim. The claims team may also contact you via phone if need be. The Farmers-trained customer service team typically responds within a few hours to let you know they had received a claim and it may take a week or two of back and forth with the representative to fully document and pay out your claim.

Bottom Line

Toggle makes it easy to get renters’ insurance that is perfectly suited to your needs. Every plan comes with liability coverage of $100,000 or more, and you can pick how much coverage you need for your belongings across several categories of items. As your possessions age or you buy new stuff, you can easily adjust your coverage levels to reflect how much insurance you need. The only downside to Toggle is that policies can be slightly expensive if you need to insure a lot of items.

Physical Address

6301 Owensmouth Ave, Woodland Hills, CA 91367

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Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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