Toggle Renters Insurance Review

Build-your-own renters policy with specific add-ons for electronics, bikes, and pets. Independent Toggle Renters Insurance review: 4.4/5 for renters.

By Michael Hewitt, Founder & Editor-in-Chief.

Our verdict

Renters with a few specific things worth insuring, like electronics, bikes or pets, fit Toggle best: the base policy starts at $5 a month and you add cover item by item. Those add-ons can push the price up quickly, and it's sold in 30+ states. Add only what you'd miss, then compare the total.

Skip it if you want broad coverage at one flat price, or if you live outside its 30+ states.

About Toggle Renters Insurance

Build-your-own renters policy with specific add-ons for electronics, bikes, and pets. Toggle Renters Insurance is offered by Farmers Insurance. Our editorial rating is 4.4 out of 5.

Best for: Renters with specific high-value items to insure individually.

Editorial grade: A- (composite score 85/100).

Highlights

Starting at $5/month base
Custom coverage add-ons for specific items
Backed by Farmers Insurance

What we like

Fully customizable add-on coverage
Starting at $5/month base
Specific protection for electronics, bikes, pets

Where it falls short

Add-ons can increase price quickly
Limited availability in some states

Fees, minimums, and rates

Monthly fee: From $5/month. Minimum to open: N/A. Rates and promotional offers change often, so check the provider's own page before you apply.

How we reviewed it

This is a desk review: we have not opened an account with Farmers Insurance. It is built from Farmers Insurance's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Renters Insurance shortlist. The rubric is the same for every brand.

Similar products to compare

Read our full editorial methodology for how we review products.