Toggle® Insurance Review

Many renters are under the false impression that if their landlord has home insurance then they are automatically covered by it. Unfortunately, this is not the case. That’s why having renters insurance is so important. Toggle® offers a very customizable ‘all peril’ insurance policy. That means that while a typical policy may not cover your belongings in the event of a flood or an earthquake unless you specifically bought that kind of coverage, Toggle can have your back on everything depending on where you live. Additionally, Toggle has many options that traditional insurance companies will not be able to offer you.

Pros and Cons of Toggle



At a Glance

The big draw for Toggle renters insurance is the ability to tailor it to your specific needs. Toggle starts with three levels of coverage including “basic” liability and contents, “standard” for covering more items, and “premium” for covering even nicer items. Toggle can offer you additional coverage for things such as:

In addition to coverage, Toggle also offers some unique benefits. These include:

What to Expect

Toggle insurance covers things like loss of use, liability, medical payment coverage and many of the standard things you’d expect from an insurance policy. The personal, customizable add-ons are what make it stand out from the crowd. Toggle also offers rates that are extremely competitive, and in many cases less expensive than the competition depending on the kind of coverage you need.

Toggle offers blanket coverage of $1,000 for personal property. However, you can customize based on different personal property categories. These include:

Cost and Customer Service

Because there are a range of different types of coverage you can get from Toggle, there is also a range of different costs associated with it.

If you opt for customizable plans, it can affect your overall price.

In terms of customer service, Toggle has live reps available online to address your needs. Customer reviews suggest that they are very responsive and will get back to you quickly. Their website offers an easy-to-fill-out form for standard issues as well as the opportunity to make it more specific if necessary.

The Bottom Line

Toggle is able to offer a vast array of coverage that other renters insurance providers simply don’t offer. This allows you the freedom to make your plan customizable to your specific needs in a way that can really give you peace of mind that you may not be able to get with other plans.

Because Toggle is an ‘All Peril’ policy as well, you don’t have to worry about having to debate the need to buy things like fire insurance or earthquake insurance on top of your regular insurance just in case. Whether you’re looking for the most basic coverage you can get for the best price, or something very detailed to meet your unique and specific needs, odds are Toggle can get the job done.