Toggle Renters Insurance Review [year]

If you are someone who rents their home, You are probably going to be thinking that your landlord’s insurance is going to be covered in case of a fire or any other disaster.

The Landlord’s Insurance is only going to be covering the damage to the physical structure of the home or apartment, and not the belongings or any security when you are not home.

Simply put, if there was an unfortunate accident that leaves your home destroyed or your personal belongings are stolen, the Insurance of the Landlord is not going to cover any damage incurred.

In such situations, you are going to be needing Renter’s Insurance.


What is Toggle Renters Insurance?


Toggle Renter insurance is a service that covers your valuables (make no mistake about it, it is limited to the policies) and also offers coverage in case you or any of your family members injure or cause any damage to someone else’s property.

This makes the whole process of buying renter’s insurance easy.

Now, Toggle Renter allows you to have the ability to choose the options that you need and tick off any other options that you do not require.

Toggle Renter’s insurance is rather something unique and is something you don’t find with Renter’s insurance, such as coverage for side hustles and all the equipment associated with it.

Toggle Renters Insurance also allows you to have access to Credit LiftSM.

This happens to be a service that reports your utility payments and rents to credit bureaus. This gives you the ability to improve your credit score.

Other than that, the Customer service of the Toggle Renters Insurance Review is readily available for you at any time.

They are going to be assisting you through chat and their Timings are(9 AM to 12AMEST, Monday through Friday, and 10 AM to 9 PM EST on Saturday). 

Other than extensive customer chat support, Toggle Renters also offers an online process to make claims.

This makes it easy for the users to file and track their claims.

However, The Toggle Renter’s Insurance service is not available in all states of the US. It is currently available in these states only:

Arizona, Arkansas, California, Colorado, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Minnesota, Michigan, Mississippi, Missouri, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, and Wisconsin.

If you are a renter, pet owner, or have side hustles, then this is the best option for you.

What Does Toggle Insurance Offer?


As of now, Toggle Insurance is only Offering Renter’s Insurance. If you were looking for a convenient option that allows you to have all of your policies within the same place, then this isn’t the best option for you.

However, Toggle is currently planning on adding Auto Insurance in specific states in the near future.

Let’s say, if you are a self-employed person and have a business running from home, you are going to be needing to purchase insurance from a different insurer to protect all of your business.

If you hire someone, you are going to be needing to look somewhere else for coverage.

That being said, when you stick to an insurer that focuses on only a single type of coverage, you have multiple options.

With that being said, let’s take a sneak peek at the method of how Renter Insurance works in general and What this Company has to offer:

Renter’s Insurance:

Toggle Renter’s Insurance basically offers three different types of protections.

The first kind is responsible for protecting your belongings. In the event of a fire or a natural disaster, the policies of your insurance are going to help you replace or repair the damaged items.

However, Renters insurance may not cover damage incurred from Floods and earthquakes.

This Company policy covers “all Perils”, which means they cover damage from floods and earthquakes except the state of California where residents are required to purchase an independent Earthquake Policy.

However, we think that it is best for you to match your coverage to the value of the items that you own.

Keep high-value products in mind, such as your electronics, any jewelry, art, or any product that has a sentimental value.

Technically, This renter’s insurance is also going to be covering all of your belongings even when they are not in your home at the time.

For instance, if items in your store are damaged during a storm, they will also be covered by the policy. With that being said, you must purchase adequate coverage to cover all of your belongings.

Now, Liabilities also happen to be one of the most important types of coverage that is offered by renter’s insurance.

Let’s say if you or someone in your household (Pets included) cause harm or destroy someone else’s property or injures someone, the renter’s insurance is going to help you cover the medical payment and also will provide a legal defense.

This policy is also going to covering all the court awards with regards to limits mentioned in the policy limits.

Considering how costly lawsuits can run, it would be a wise choice to spend on liability insurance as much as you can afford to spend on it.

However, it must be kept in mind that Renter’s insurance is not going to be covering any damages caused to the insured property by the household members or the person holding the insurance themselves.

If you own a pet and your pet ends up breaking a thing or two in your house, the Renter’s insurance is not going to be offering any kind of assistance on it as it is not covered under the renter’s insurance policy.

However, Toggle Insurance does offer additional pet parent coverage.

This Coverage offers covering from the damage that is caused by your pet to the house that you are currently renting.

However, the coverage amount will be limited, considering the limit of the policy.

Additional Living expenses happen to be the last kind of Insurance coverage offered by Toggle.

This coverage helps you in case you are unable to live in your house due to the damage caused to it by a natural disaster.

This is going to cover to additional cost you are going to be incurring when you are going to be living at a temporary place, ie.

The Costs of Hotel and Meals.

Toggle Insurance Options:

Insurance Options
Businessman touch screen concept – Green

When you stick with Toggle, it becomes a lot easy for you to choose options that fit the best for your coverage.

You have the option to adjust or alternate the following terms:

  • Deductible: The Customers are given a choice their deductible ranging from $100 to $1,000.
  • Liability Limits: Toggle allows the users signed up with it to choose from $100k to $300K of coverage.
  • Collectible Coverage: This category includes comics, items of value, and Artwork. Users have the option to choose between $0 to $10k of coverage.
  • Coverage for Jewelry and Fashion: As the name suggests, this term allows you to cover up to $10k for purses, jewelry, shoes, and various related items.
    Creative and Maker Coverage: This type includes Cameras, Tools, Instruments, Artwork supplies, and other related items and the coverage amount is $10K.
  • Active Coverage: This term allows the users to cover bikes, equipment such as treadmills with up to $10K.
  • Technology: As the name suggests, this term lets the users cover technological items for up to $10K.
  • Furniture:  This term allows the users to save furniture items such as beds, couches, and related items for up to $20K.

However, that is not all. Toggle also offers additional coverages which include Pet parents, Replacement Costs, Temporary Living Costs, Coverage for Side Hustles, Identity Protection, And Significant Others.

Customer Service of Toggle:

Before you actually purchase insurance with toggle, you have the option to converse with customer service through its website.

Toggle Customer services are available from 9 AM to 12 AM EST Monday-Friday and 10 AM to 9 PM EST on Saturday.

The customers also have an option to submit a support request on Toggle’s website.

However, Once you purchase insurance from the toggle, they might offer more options to you, but we are unaware as that information is not available publicly.

Claims Support:

Claims Support

Once that you have purchased Policy from Toggle, You have the option to file a claim with Toggle via your online account.

This allows us to keep things simple as it allows us to upload pictures, documents that support your case.

A toggle will pay you for the claims made either electronically and through check.

However, there is no amount of time mentioned by Toggle that it takes to solve the claims, but if it’s any consolation, it offers a detailed guide about filing the claim and all the additional information you are going to be needing to file a claim.


While there are many options available, Toggle happens to be one of the best options when it comes to buying an insurance policy for a tenter.

It comes with tons of features and favorable policies which make it one of the best options.