Toggle Renters Insurance Review & Ratings (2024)
Protect your rented space with comprehensive coverage options from Toggle Renters Insurance. Get peace of mind knowing your belongings are safeguarded against theft, fire, and accidents. customize your policy to fit your needs and enjoy the convenience of managing your coverage through a user-friendly app.
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Nov 28, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 28, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Toggle Renters Insurance
Average monthly rate for renters:
N/AA.M. Best rating:
A (Excellent)Complaint level:
LowPros
- Highly customizable policies
- Competitive pricing with potential discounts
- Quick and user-friendly claims process
- Specialized policies for unique needs
Cons
- Limited information on the website about policy details
- Availability may vary based on location
Final Verdict: Review of Toggle Renters Insurance
While Toggle offers a lot of add-ons and the convenience of controlling your renter’s insurance with an app on your smartphone, it is often more expensive than other options for renter’s insurance on your home.
The Farmers Group is a good company to use for coverage because of its consistency and positive outlook, but there are plenty of other insurance companies that could work for you. Your best option is to compare renter’s insurance quotes online to find the best deal for your coverage.
In fact, you can use our free quote tool below today to get started and see how much you can save on your renter’s insurance.
What You Should Know About Toggle
Welcome to our comprehensive guide on Toggle Renters Insurance. If you’re a renter, it’s essential to protect your belongings and have peace of mind in case of unexpected events. In this article, we’ll explore the key topics related to Toggle Renters Insurance, including coverage options, add-ons, pricing, claims process, and customer reviews.
- Toggle offers renter’s and auto insurance to policyholders in nearly 30 U.S. states
- Toggle’s coverage options are marketed as being inexpensive and fairly comprehensive
- Toggle’s parent company, the Farmers Group, has an A rating with A.M. Best
We’ll help you understand the benefits of choosing Toggle Renters Insurance and how it compares to other providers. To find the best insurance rates for your rental property, simply enter your zip code below and start comparing quotes from top insurance providers in your area. Safeguard your rented space with the right coverage today.
Toggle Insurance Coverage Options
Toggle offers three options when it comes to purchasing a rental insurance coverage plan:
- Basic – Meets most landlords’ requirements and covers a small number of your personal items
- Standard – A step up from basic. This coverage helps with more personal items
- Premium – This coverage offers the most protection available for people who have more things or nicer things
In addition to these coverages, Toggle offers the option for policyholders to include extra options for increased peace of mind. These options include:
- Protection on the road
- Pet parent coverage
- Deductible decline with a family plan
- Tech coverage
- Side hustle coverage
- Identity protector
- Credit lift
- Additional pet insurance
- Injury insurance
These additional coverages, like renter’s insurance for pet owners, are available and accessible on your smartphone with the toggle of a button—hence the company name—and can be removed just as easily as they can be applied to your renter’s insurance.
How can I get Toggle renter’s insurance?
If the flexibility and design of renter’s insurance with Toggle appeals to you, you can look into purchasing coverage in the following states:
- Arizona
- Arkansas
- California
- Colorado
- Georgia
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Minnesota
- Michigan
- Mississippi
- Missouri
- New Jersey
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- South Carolina
- Tennessee
- Texas
- Utah
- Virginia
- Wisconsin
Keep in mind that you will still need to make sure Toggle renter’s coverage meets any of your landlord’s or HOA requirements for renting a home. And you should still shop around for coverage from other companies to see how rates compare.
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Toggle Insurance Rates Breakdown
Toggle does offer quotes on the company’s website, so you can see just how much your renter’s insurance rates would be with your unique set of factors. However, Toggle renter’s insurance is priced a bit higher than other companies that offer the same—or even better—coverage.
Take a look at the table below to get a better idea of the cost associated with Toggle’s renter’s insurance compared to other companies that offer a similar product.
Toggle Renters Insurance Rates Compared to Other CompaniesMonthly Cost | Colorado | Ohio | Texas |
---|---|---|---|
Toggle | $12.50 | $12.50 | $12.50 |
Lemonade | $5.42 | $5.00 | $5.00 |
State Farm | $11.17 | $10.44 | $10.42 |
Progressive | $12.11 | $11.54 | $14.27 |
Again, some of the add-ons that Toggle allows you to include for an additional cost are automatically included in other companies’ renter’s insurance policies.
Toggle Discounts Available
Toggle Renters Insurance recognizes the importance of providing value to its customers. While the company focuses on comprehensive coverage, it also offers various discounts to make its policies more affordable. Below are some of the discounts available with Toggle Renters Insurance:
- Multi-Policy Discount: Bundle your renters insurance with other policies, such as auto insurance, to qualify for a multi-policy discount.
- Safety Features Discount: If your rented space is equipped with safety features like smoke detectors, security systems, or fire extinguishers, you may be eligible for a discount.
- Claims-Free Discount: Maintain a claims-free history with Toggle Renters Insurance, and you could enjoy a discount on your premiums as a reward for responsible policy management.
- Protective Devices Discount: Install protective devices, such as door alarms or deadbolts, in your rented space to qualify for a discount on your renters insurance.
- Loyalty Discount: Stay with Toggle for an extended period, and you may receive a loyalty discount as a token of appreciation for your continued trust in the company.
- Paperless Discount: Opt for paperless billing and policy documents to contribute to environmental sustainability and enjoy a discount on your premiums.
- Good Credit Discount: Maintain a good credit score, and Toggle may offer you a discount on your renters insurance as a reflection of your financial responsibility.
- Association Memberships Discount: Belong to certain associations or groups? You may be eligible for a discount through affiliations that Toggle recognizes.
It’s important to note that the availability of discounts can vary based on your location and specific policy details. To maximize savings, prospective policyholders should inquire about these discounts and explore which ones apply to their unique circumstances. Taking advantage of these discounts can make Toggle Renters Insurance even more cost-effective while ensuring robust coverage for your rented space.
Is it easy to make claims online with Toggle?
Because Toggle is such a tech-friendly company, it is quite easy to file a claim and review a claim on the company’s website.
If you want to speak with a representative about a claim, you can always call the Toggle insurance phone number. This may give you more peace of mind, as you can hear from someone concerning your claim and whether there’s anything else you need to do.
How Toggle Ranks Among Providers
Toggle Renters Insurance is a company that emphasizes comprehensive coverage for rented spaces, offering protection against theft, fire, and accidents. With a user-friendly app for policy management, the company aims to provide peace of mind to renters. Here are Toggle’s main competitors, exploring companies that pose a challenge in the renters insurance market:
- State Farm Renters Insurance: State Farm is a major player in the insurance industry, offering a wide range of insurance products, including renters insurance. Their extensive network and reputation make them a strong competitor.
- Allstate Renters Insurance: Allstate is known for its reliable insurance services, and its renters insurance policies provide coverage for personal belongings, liability, and additional living expenses. The company’s nationwide presence makes it a notable rival.
- Geico Renters Insurance: Geico, a well-known insurance provider, offers renters insurance with customizable coverage options. Their competitive rates and the ability to bundle with other insurance products make them a formidable competitor.
- Progressive Renters Insurance: Progressive is recognized for its innovative approach to insurance. With renters insurance covering personal property, liability, and more, Progressive competes by providing a seamless online experience and competitive rates.
- Lemonade Renters Insurance: Lemonade disrupts the traditional insurance model with its tech-driven, peer-to-peer platform. Specializing in renters insurance, Lemonade competes by offering transparent policies, quick claims processing, and a commitment to social impact.
Toggle Renters Insurance faces competition from established industry giants like State Farm and Allstate, each bringing its unique strengths to the market. Additionally, newer players like Lemonade and Progressive challenge the status quo with innovative approaches.
Renters seeking insurance coverage should consider factors such as reputation, coverage options, and pricing when comparing Toggle to these competitors. Ultimately, the choice depends on individual preferences and priorities in securing the best insurance for rented spaces.
Does Toggle have good ratings and reviews online?
Toggle is a subsidiary of the Farmers Group, and A.M. Best has given Farmers and its companies a financial strength rating of A (Excellent) and a stable overall outlook.
The Farmers Group has also been rated by the Better Business Bureau (BBB) with an A-. The company is accredited with the BBB and has been since 1951.
The BBB website shows Farmers as having a 1.38 score out of 5 in terms of customer feedback, with nearly 1,500 complaints closed in the past three years and over 700 closed in the past 12 months.
Toggle is not as popular as the Farmers entity and does not have many Toggle insurance reviews, but it’s important to know the company pays out on claims and is financially stable enough to do so long term.
Frequently Asked Questions
What is renters insurance?
Renters insurance is a type of insurance policy that offers financial protection for renters against loss or damage to their personal property due to certain perils such as fire, theft, or vandalism. It may also provide liability coverage in case someone is injured while on the property you are renting.
What does renters insurance cover?
Renters insurance typically covers the cost to repair or replace personal property that is damaged, destroyed or stolen due to covered perils. It may also cover additional living expenses if you have to move out of your rental temporarily due to a covered loss. Liability coverage is also included which can provide protection if someone is injured while on your rental property.
How much does renters insurance cost?
The cost of renters insurance can vary depending on the location of the rental, the amount of coverage needed, and other factors. On average, renters insurance can cost between $10-$20 per month.
What factors should I consider when choosing a renters insurance policy?
When choosing a renters insurance policy, it is important to consider the amount of coverage needed, the deductibles, and the cost of the policy. It is also important to review the policy exclusions and understand what is and is not covered.
Do I need renters insurance?
While renters insurance is not required by law, it can provide valuable protection for your personal property and liability. If you are a renter, it is worth considering purchasing renters insurance to protect your assets.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
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