Toggle Renters Insurance Review: Cost & Service (2024)

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ByMark Fitzpatrick
ByMark Fitzpatrick

Updated: May 22, 2024

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Does Toggle Have Good Customer Service?

To help renters find the best insurance for their needs, MoneyGeek ranked various providers based on their affordability, financial stability and customer service. Based on our analysis, Toggle’s renter insurance scored 78 out of 100.

Despite their affordable prices and excellent financial stability rating from AM Best, Toggle has received many customer complaints. It has an exceptionally high customer complaint index from the National Association of Insurance Commissioners (NAIC).

Customer Satisfaction Rating

NAIC scores insurance companies based on the number of customer complaints the insurer receives compared to other carriers in the market. According to the NAIC Company Complaint Index, Toggle scored 11.21, which is way above the national median of 1.00. This indicates that Toggle has received numerous complaints from its customers.

Financial Stability Rating

Toggle’s parent company, Farmers, received an A rating from AM Best. This is a global credit rating agency that analyzes the financial strength of insurance companies. Farmers’ rating speaks to Toggle’s excellent financial stability and its ability to meet its obligations, including paying off insurance claims.

What to Expect From Toggle Renters Insurance

Getting a renter’s insurance policy is easier if you know what to expect. That said, the process can vary between insurers. MoneyGeek broke down the steps you can follow when getting a Toggle renters insurance, filing a claim or canceling a policy.

Getting a quote

Toggle offers an online quote tool on their website. It gives users the option to customize coverage levels and include add-on insurance. Additionally, MoneyGeek gathered renters insurance quotes from Toggle, which can be viewed in the next section.

Customer support

Customers can contact Toggle through their website by sending a support request. They can also chat with the company’s licensed representatives, who are available Mondays to Fridays from 9 to 12 a.m. EST and Saturdays from 10 a.m. to 9 p.m. EST.

Filing a claim

To file a claim, policyholders need to log in to their accounts and go to Toggle’s claims page. From there, they’ll be asked to provide the necessary details and documents.

Canceling your policy

Toggle renters insurance can be canceled online. Customers need to log in to their accounts, click View Policy and scroll down to select Cancel Policy.

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Toggle’s renters insurance is available in the following states: Arkansas, Arizona, California, Colorado, Georgia, Iowa, Illinois, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Missouri, Mississippi, New Jersey, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia and Wisconsin.

How Much Does Toggle’s Renters Insurance Cost?

On average, a Toggle renters insurance with $6,000 in coverage costs $108 annually, $18,000 in coverage costs $143 per year and $60,000 in coverage costs $217 annually. The national average for $20,000 in coverage is $159 annually.

Various factors impact premiums. For example, a policyholder’s preferred coverage level can greatly affect their rates.

Customers who bundle their Toggle renters insurance policy with a car insurance policy can get a discount on their premiums. Likewise, claim-free renters can also receive a discount on their rates and have their deductibles reduced for each claim-free year.


How much coverage a policyholder chooses greatly impacts their renters insurance prices. Even though a lower limit will result in affordable rates, it’s advisable not to have too little or too much coverage.

MoneyGeek recommends $20,000 as a good starting point when choosing coverage limits. However, renters can use our property calculator below to find out the ideal coverage limit for their needs.

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To save on your renters insurance premiums, understand the combined worth of your personal property. This will give you an idea of how much coverage you need and prevent you from buying too little or too much coverage. In turn, this will result in savings over time.

What Discounts Does Toggle Offer?

Toggle provides three discount options on their renters insurance policy. Although this is less than the industry average of five, they offer one rare discount. This carrier offers a loyalty discount, which lowers your deductible based on the number of years that you have been claim-free.


Loyalty Discount

Your deductible will be lowered for each year you remain claim-free.

Multi-Policy Discount

If you bundle your Toggle renters insurance with car insurance, you’ll get a discount on your premiums.

Claim Free Discount

You’ll receive a discount on your renters insurance if you don’t make any claims.

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If you’re looking to save on your insurance, you can bundle your car and renters insurance with Toggle to enjoy discounts on your premiums.

Which Coverage Types Does Toggle Offer?

Toggle offers five add-on coverage options, which is less than the average of seven that most renters insurance companies provide. However, two of their add-ons are not common among other companies.

Policyholders can add travel coverage to their Toggle renters insurance policies. Additionally, customers can get coverage that protects their equipment for side jobs.

However, this company doesn’t advertise coverage for storms, floods, earthquakes and insect infestation.

MoneyGeek analyzed the five add-on coverage options that can be included in a Toggle renters insurance policy. These include insurance for travel, pet damage liability, scheduled personal property, equipment breakdown and identity theft.

Travel Coverage

This is an add-on coverage that pays for the loss of personal items while traveling.

Pet Damage Liability Coverage

Toggle’s pet damage liability insurance is an add-on that covers expenses caused by pets. These include bites, carpet damage and other incidents.

Scheduled personal property

This is an optional endorsement that protects high-value items, including cameras, phones, computers and more.

Equipment Breakdown

Toggle’s equipment breakdown coverage is an add-on that pays for the cost of repairing or replacing equipment for policyholders who are doing side jobs.

Identity Theft

This is an optional endorsement that monitors alerts and provides professional support in the event of identity theft.

Insurance companies have different packages, and some providers don’t automatically include all the necessary coverages. When shopping for renters insurance, make sure that the company has the standard renters insurance coverages, including personal property, personal liability, medical payments and additional living expenses.

It’s also smart to check if their insurance carrier offers protection for floods, earthquakes and insect infestation. Read a policy’s fine print before choosing a policy.

Renters Insurance Coverages: What to Expect

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  • Personal Property Coverage
  • Personal Liability Coverage
  • Medical Payments Coverage
  • Additional Living Expenses (Loss of Use)
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Rarely Offered:
  • Flood Coverage
  • Earthquake Coverage
  • Insect or Bed Bug Coverage

What Online Renters Insurance Tools Does Toggle Offer?

Toggle’s presence is largely online, but its digital tools are limited compared to other insurance companies. They allow users to get a quote online, and policyholders can file a claim and pay for their premiums through their website. However, Toggle doesn’t offer a mobile app or calculators that help consumers estimate the coverage amounts they need.

Online Quote Tool
Bills Payment
Claims Filing
Flexible Payments

Other Toggle Insurance Products

Other than renters insurance, Toggle also offers car insurance and pet insurance. Consumers can bundle their Toggle auto and renters insurance policies to get discounts on their premiums.

Type of Product

Car Insurance

Like its renters insurance, Toggle’s auto insurance policies are customizable based on the user’s needs and specifications.

Pet Insurance

Toggle partners with Pets Best Pet Health Insurance to offer pet insurance to pet owners.



To evaluate Toggle’s quality as a renters insurance company, MoneyGeek analyzed Toggle’s website, manually collected quotes and consulted consumer intelligence organizations such as J.D. Power, the NAIC and AM Best.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.