Toggle Renters Insurance Review & Ratings (2023)
This Toggle Renters Insurance Review & Ratings (2023) will cover Toggle Renters Insurance Review & Ratings (2023) ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. To compare insurance rates from the best companies in your area, enter your ZIP code below.
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Written by
Chris Tepedino |
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Reviewed by
Laura Walker
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UPDATED: Dec 16, 2022
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- 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
If you rent your home, it’s a good idea to look into buying renter’s insurance. This coverage will help to protect you if anything happens in your home, from robbery to a house fire and more.
With Toggle—a subsidiary of Farmers Insurance Group—renter’s insurance is an option that comes in a few different packages. Toggle Insurance also allows policyholders to take advantage of specific add-ons for even more peace of mind.
If you are looking for renter’s insurance as protection against fire, theft, and accidents, you should shop around to find quotes that would work best with your budget.
You can use our free tool above to find and compare quotes from top companies that offer renter’s insurance in your area today.
What does Toggle renter’s insurance cover?
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.
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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.
How much is renter’s insurance with Toggle?
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 Companies
| Monthly 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.
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.
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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.
Should I buy renter’s insurance with Toggle?
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.