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Overview

Renters insurance is an important consideration for anyone who rents a home or apartment, and it is one of the only ways that you can confidently ensure on-going protection for your personal belongings as well as the space you reside in. But finding the right policy can be a challenge, and with rent prices steadily increasing, the last thing you want is an extra expense that drains your funds and leaves you with next to nothing at the end of the month. Thankfully, Toggle is here to make obtaining renter’s insurance a breeze, and through their flexible, affordable plans you can create a customized insurance policy that is truly tailored to your home, your needs, and your budget.  

Featuring some of the most comprehensive and personalized policies you will find, Toggle is a digital insurance provider that can help you tap into coverage for personal property, liability, and even additional living expenses. Completely tailored to you, each policy is as unique as you are, and they feature a number of potential inclusions that you can choose to add-on or disregard, depending on your lifestyle. Simple, straightforward, and best of all, affordable, Toggle gives you the power to prepare for the unexpected, while also having your back in the future as you grow and change. 

Why Choose Toggle?

A subsidiary of the long-standing and reputable Farmers Insurance, Toggle is a new and modern digital insurance provider that seeks to change how the average renter approaches things such as personal property damage, liability, and other potential expenses that could arise during their tenancy in a home or apartment. Having insurance is one of the best ways to safeguard yourself and your wallet, but high monthly premiums and one-size-fits-all offerings make it difficult to commit to a plan, even when you know you need to. This is why Toggle was created, with the intention of giving renters more freedom and flexibility, while still ensuring they have well-rounded protection anywhere, anytime. 

With Toggle, your subscription will first begin with a base policy which can then be personalized to meet your unique needs and living situation. Travel a lot for work? Own a pet? Running a side hustle out of your apartment? Toggle wants to make sure you’re covered for all of that and more, and their flexible, affordable policies encourage you to pick and choose between all of their optional features until you feel confident that all aspects of your life are safeguarded. 

What makes Toggle stand out from other renter’s insurance providers is that each policy is intended to grow alongside you, so you aren’t locked into one type of coverage, or specific limits, forever. Each policy lasts 12 months from the coverage start date you select, and you can opt to renew your policy at the end, or create a completely new one depending on if your needs and situation change. Perfect for renters who never know where life might take them, Toggle truly delivers refreshing policies that are straightforward and transparent, with pricing as low as the cost of a single latte every month. 

Policies & Coverage

In terms of coverage options, Toggle’s renters insurance offers a range of standard policies, which can include protection for personal property, liability, and even additional living expenses. All of their plans begin with an included base policy, and from there you will be able to pick and choose the extended coverage you want and need, based on your current lifestyle and your overall monthly budget. When first designing your plan, the first thing you will notice is your blanket coverage which includes up to $1,000 for you to apply towards covered items that you own should they be stolen, or damaged. In addition to your $1,000 blanket coverage, your base policy will also include up to $300,000 in liability protection, which is necessary in case there is an accident or injury and you are facing a potential lawsuit. 

Beyond your included base coverage, the rest of your policy coverage amounts are completely up to you, and during enrollment you will be able to set customizable limits for things such as: 

• Technology (up to $10,000)
• Furniture & Appliances (up to $20,00)
• Fashion & Jewelry (up to $10,000)
• Creative Devices & Tools (up to $10,000)
• Active & Workout Gear & Equipment (up to $10,000)
• Collectibles (up to $10,000)

In addition to the items that come included with your policy, you will also have the ability to further customize your coverage with optional add-ons such as:

• Pet Parent Coverage (up to $100,000)
• Side Hustle Coverage (for incomes under $25,000/year)
• Identity Protection Coverage
• Replacement Cost Coverage (changes from actual cash value policy to replacement cash value policy)

One of the great things about Toggle is that you get to enjoy the same high level of protection for your belongings no matter where they are located, so they are covered regardless of if they are in your home, on you while you travel, or even when kept off-site in a storage locker. In fact, the only time your belongings are not covered is if they, or the situation, falls under the explicitly laid out exclusions which are:

• Neglect, Lack of Maintenance, or Failure to Make Repairs
• Intentional or Unintentional Destructive Acts
• Damage Resulting from Nuclear Hazards
• Intentional Acts of Damage
• Governmental Action
• Mysterious Disappearances

Enrollment

Getting started with Toggle is surprisingly simple and straightforward, and the entire enrollment process can be completed online without requiring you to speak with an agent or submit lengthy paperwork. To begin, all you will need to provide is your name, your birthdate, and your address, and from there Toggle will be able to verify your information and set you up with a basic coverage policy for you to further customize. 

Once your information has been verified, Toggle will begin guiding you through the enrollment process and will help you to build a tailored insurance policy that covers all aspects of your household and lifestyle. The first thing you will be prompted to select is what type of base coverage you think suits you best, and from there you can start customizing your coverage limits to provide enough reimbursement should something unexpected occur. Included with every policy is the standard $1,000 in blanket coverage as well as medical payments to others, and then beyond that you will need to choose your amounts for things like technology, furniture, jewelry, and more. 

After all of your coverage amounts have been selected, you will then be shown a total amount for your monthly premiums so you can make a final decision about whether or not you want to finalize your enrollment. If you’re satisfied with the quoted amount, you can then lock in that price immediately and move on to deciding on a start date for your coverage to kick in. Following that, the last step is to pay for your first month, and then you can sit back and relax knowing that you have comprehensive renter’s insurance that will be there for you should you encounter the unexpected at home, while traveling, or at your storage locker. 

Claims

Having a great insurance policy is amazing, but you also need an equally effective claims process in order to make those monthly premiums worth the money. Thankfully, Toggle excels at delivering a claims process that is streamlined and simple, and they make it easy to digitally submit a claim should you ever need to. Completely done online from your phone or computer, all you need to do is log into your account and fill out a convenient form that could be found in your dashboard. After noting some basic information on the form, you will then submit the claim to an adjuster, who will then work closely with you to process everything and reimburse you for all eligible amounts. 

How long the claims process takes will depend on the complexity of the situation, but all of the Toggle representatives do an outstanding job of keeping you in the loop as it progresses. If you have any questions or concerns along the way, you can always reach out via chat or email and a customer support agent will be happy to update you and answer any questions you may have. Once a claim is approved, you will be reimbursed directly and since Toggle is a digital company, they pay claims electronically whenever possible for faster deposits that don’t require you to wait around for a check to be mailed. 

Plans & Pricing

Toggle boasts competitive pricing for their renter’s insurance, with rates costing less than what you would spend on a single latte, a streaming service, or a Sunday brunch. This affordability, coupled with the company’s customizable coverage options, makes it an attractive option if you’re seeking comprehensive policies that fit your budget. And, since everything can be completely personalized, you can ensure that you get exactly what you need while also not overspending for coverage amounts you don’t require. 

However, since renter’s insurance is so personalized and tailored to each individual, the only way to know for certain how much your policy will be is to connect with Toggle through their website. There you will be able to complete a 100% free quote request, which will let you know in minutes how much your premiums would be for the exact coverage you select. During the free quote process, you can browse all 3 potential plan options, and can play around with the various coverage amounts depending on what you own, and how much you want to be protected up to. Below is a breakdown of all inclusions for the Basic, Standard, and Premium plan options and what the starting monthly cost is before you tailor them to your lifestyle and needs. 

As for your deductible, Toggle allows you to select the perfect one for your budget with options ranging from only $100 up to $1,000. The higher the deductible, the lower your monthly premiums will be, so you will need to weigh out what’s the most sustainable choice for you and base your decision around that. For the most part, many renters find $500 to be the sweet spot, and this tends to be the most popular deductible choice across all 3 plan options. With that said, you are free to play around with the amount during the enrollment process, and you can immediately see what impact each deductible amount has on your premiums before you make a final decision. 

Bottom Line

From floods to fires, damage to injury, there are a lot of risks that you face as a renter that you don’t want to be stuck on the hook for financially. This is why having a well-rounded and inclusive insurance policy is so important, and why Toggle can help to safeguard you against unexpected occurrences that would otherwise drain your savings. Perfect for individuals who want flexible insurance that’s truly tailored to their lifestyle, Toggle is a new and modern provider offering comprehensive policies that are fully customizable. Whether you rent a house or an apartment, own a dog or run a side hustle, this highly-rated and trusted insurance provider has you covered and will help you enjoy true peace of mind with an industry-leading policy that’s unique to you. Completely budget friendly, policies from Toggle can cost as little as a once-a-month latte, so you won’t break the bank just to have the coverage you deserve. To learn more about Toggle, or to receive a 100% free premium quote, head on over to their website today and see why so many renters have turned to Toggle for flexible coverage they can depend on.