Toggle Renters Insurance Review & Ratings (2025)

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. You might wonder, is Toggle Insurance legit? 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.

We’ll help you understand what Toggle Insurance is and 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

Is Toggle Insurance good? Is Toggle renters insurance legit? Yes. 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 insurance 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 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.

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 Monthly Rates Compared to Other Companies

Monthly Cost	Colorado	Ohio	Texas
	$12.50	$12.50	$12.50
	$5.42	$5.00	$5.00
	$11.17	$10.44	$10.42
	$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 renters insurance phone number at 855-864-1530. 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.

For those interested in Toggle renters insurance, accessing information such as Toggle renters insurance contact number and their customer service details is essential. To manage your policy effectively, visit www.gettoggle.com for Toggle rental insurance specifics and Toggle renters insurance login access.

If you need assistance, the Toggle renters insurance customer service team can be reached at Toggle customer service phone number, available during Toggle customer service hours. For Toggle insurance inquiries, including Toggle insurance number and Toggle insurance payment options—whether via Toggle Insurance payment online or via Toggle insurance payment phone number—ensure you have the Toggle insurance address handy. Utilizing the Toggle insurance app further streamlines managing your policy details.

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, some of the  companies with best renters insurance, 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 reviews, but it’s important to know the company pays out on claims and is financially stable enough to do so long term.

Other Services Offered: Toggle Auto Insurance

Toggle Auto Insurance has garnered significant attention for its innovative approach to car insurance. With numerous Toggle auto insurance reviews available, it’s evident that many customers are eager to share their experiences. When examining Toggle car insurance and the feedback from users, the general consensus appears positive, although individual experiences can vary.

Many potential customers often question the legitimacy and quality of this provider, asking, “Is Toggle auto insurance legit?” and “Is Toggle car insurance good?” Based on the available Toggle auto insurance review data, Toggle is indeed a legitimate company with a reputation for reliability and customer satisfaction.

Furthermore, those specifically looking for feedback on the company’s services often seek out Toggle car insurance reviews. These reviews frequently highlight the user-friendly aspects of the service, such as flexible policy options and competitive pricing. For anyone considering Toggle, questions like “Is Toggle car insurance legit?” are common, and the positive testimonials suggest that many find it to be a trustworthy option for their auto insurance needs.

Does Toggle have good ratings and reviews online?

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.