toggle home insurance review — Toggle is a digital-first insurance brand backed by Farmers Insurance Group, a subsidiary of Zurich Insurance Group. Launched in 2018, Toggle was designed for tech-savvy consumers who want flexible, customizable coverage. The company lets policyholders toggle coverages on and off at any time. Toggle offers renters, homeowners, and auto insurance across select states.
Its homeowners product is currently available in six states. However, the brand has faced challenges with customer complaints and limited availability. This toggle home insurance review examines whether Toggle delivers enough value to compete with traditional carriers. We cover ratings, coverage options, pricing, and claims handling below.
Toggle Overview and Financial Strength
Toggle operates as a brand under Farmers Group, Inc. Policies are underwritten by 21st Century Assurance Company and 21st Century Casualty Company. Both underwriters belong to the Farmers Insurance family. Toggle launched from Oklahoma City in 2018. It originally targeted younger renters seeking affordable, app-style coverage. The company has since expanded into homeowners and auto insurance. However, Toggle’s homeowners product remains limited to Arizona, Illinois, Oklahoma, Oregon, Tennessee, and Wisconsin.
Toggle’s financial strength comes from its Farmers Insurance backing. AM Best assigns Toggle Insurance Company an A (Excellent) rating. This rating confirms strong ability to meet ongoing policyholder obligations. However, Toggle’s NAIC complaint ratio tells a different story. The underwriter 21st Century carries a complaint index of approximately 1.86 — meaning 86% more complaints than the industry average. For Toggle’s renters line specifically, complaints run roughly two times the expected level for its market share.
| Rating Source | Score / Grade |
|---|---|
| AM Best Financial Strength | A (Excellent) |
| JD Power Home Insurance (Farmers parent) | 676 / 1,000 (below average) |
| NAIC Complaint Index (21st Century underwriter) | 1.86 (86% above average) |
| BBB | Not Accredited (profile opened Aug 2024) |
| WalletHub User Rating | 3.0 / 5.0 (540 ratings) |
Toggle Home Insurance Review: Coverage Options
This toggle home insurance review finds that Toggle offers standard homeowners coverage components. Dwelling coverage protects your home’s structure against covered perils. Personal property coverage replaces belongings damaged by fire, theft, or storms. Liability protection covers legal costs if someone is injured on your property. Additional living expenses pay for temporary housing during covered repairs. These core coverages align with what most major carriers provide.
Toggle stands out with its customizable add-on coverages. For example, homeowners can add pool coverage for in-ground or above-ground pools. AC unit coverage protects expensive HVAC systems beyond standard limits. Toggle also offers boarding and veterinary cost coverage during evacuations. This pet-friendly option is unusual in the homeowners insurance market. In most cases, traditional insurers require separate riders for these protections.
Toggle’s renters insurance deserves mention in any toggle home insurance review. Renters get three tiers: Basic, Standard, and Premium. All tiers include true all-perils coverage. This means earthquakes, floods, tornadoes, accidental breakage, and even dog bites are covered. Most competitors exclude flood and earthquake damage entirely. Toggle also offers pay-per-item coverage that lets renters assign values to specific categories like electronics, clothes, and furniture.
Toggle Home Insurance Discounts
Toggle offers several ways to lower your premium. As a result, cost-conscious homeowners may find savings through bundling and other discount programs. However, Toggle’s discount lineup is smaller than what established carriers typically offer. Here are the available discounts for homeowners.
| Discount Type | Details |
|---|---|
| Multi-Policy Bundle | Save by combining home and auto policies |
| Claims-Free | Discount for maintaining a clean claims history |
| New Home | Savings for newly built or recently purchased homes |
| Security System | Discount for monitored alarms and smoke detectors |
| Paperless Billing | Small savings for going paperless |
Many homeowners bundle auto and home insurance for discounts — you can also compare auto insurance rates at Car Cover Guide to maximize your total savings. Toggle’s bundling discount is its most significant cost reduction. However, loyalty and military discounts are notably absent from Toggle’s current offerings. Competitors like USAA and State Farm offer more extensive discount programs.
Toggle Home Insurance Cost
Toggle’s homeowners insurance averages approximately $2,160 per year, or about $180 per month. This sits below the projected 2026 national average of $3,057 per year. As a result, Toggle can be a budget-friendly option in the states where it operates. However, rates vary significantly based on location, coverage limits, and home characteristics. For example, Oklahoma homeowners typically pay more due to tornado and hail risk.
Toggle’s renters insurance starts at just $5 per month. Typical renters pay between $12 and $20 per month depending on coverage tier. This is competitive with the national average of roughly $23 per month. In most cases, Toggle’s renters pricing undercuts major competitors. The pay-per-category model helps renters avoid overpaying for coverage they don’t need.
Several factors affect your Toggle home insurance premium. Home age, construction type, and local crime rates all play a role. Your claims history and credit score also influence pricing. Toggle does offer a good credit discount for qualified applicants. Saving on insurance premiums frees up money for savings accounts with sign-up bonuses — you can find bank sign-up bonuses at Bonus Bank Daily to put those savings to work.
Toggle Claims Process and Customer Service
Filing a claim with Toggle is straightforward but limited. Policyholders can file claims online through their account portal at gettoggle.com. Phone claims are handled at 1-855-864-1530 during business hours. However, Toggle does not offer a dedicated mobile app for claims filing. This is a notable gap for a company that markets itself as digital-first. After filing, a claims representative contacts you by phone or email.
This toggle home insurance review notes that claims resolution speed varies widely. Minor claims may settle within a few days. However, complex property claims can take significantly longer. The industry-wide average claim cycle time has stretched to 32.4 days. Farmers, Toggle’s parent company, scored below average on JD Power’s 2025 Property Claims Satisfaction Study. Customer reviews on WalletHub and Clearsurance frequently cite slow claims processing as a concern.
Toggle’s customer service receives mixed feedback overall. The sign-up and quoting process earns consistent praise for simplicity. However, post-purchase support draws more criticism. Clearsurance rates Toggle at 2.79 out of 5 stars. NerdWallet’s editorial analysis gives Toggle 2.7 out of 5. Typically, complaints focus on communication delays during the claims process rather than coverage disputes.
Pros and Cons of Toggle Home Insurance
Pros:
- Backed by Farmers Insurance with an AM Best A (Excellent) financial strength rating
- Highly customizable coverage — toggle protections on and off at any time
- Below-average homeowners pricing at roughly $2,160 per year versus the $3,057 national average
- Unique add-ons including pet evacuation costs, pool coverage, and AC unit protection
- Renters insurance includes all-perils coverage with flood and earthquake protection
Cons:
- Homeowners insurance available in only 6 states (AZ, IL, OK, OR, TN, WI)
- NAIC complaint ratio nearly double the industry average under its underwriter
- No dedicated mobile app despite positioning as a digital-first insurer
- Below-average JD Power and customer review scores across multiple platforms
Who Is Toggle Home Insurance Best For?
This toggle home insurance review concludes that Toggle works best for specific buyer profiles. Budget-conscious homeowners in Toggle’s six available states may benefit from below-average premiums. The customizable coverage model appeals to people who want control over exactly what they pay for. Toggle is also strong for renters who need comprehensive all-perils protection at affordable rates.
Toggle is best for renters seeking flexible, affordable coverage with unique perks. The Credit Lift feature reports rent payments to credit bureaus. Users see an average 29-point credit score increase after two months. The Side Hustle Coverage add-on protects gig workers earning under $25,000 per year. These features target younger consumers that traditional carriers often overlook.
However, this toggle home insurance review cannot recommend Toggle for everyone. Homeowners outside the six available states have no access. Customers who prioritize claims service may find Toggle’s complaint ratios concerning. As a result, shoppers should compare Toggle against established carriers like Erie, Amica, and State Farm. In most cases, getting quotes from at least three insurers ensures you find the best value for your specific situation.
Frequently Asked Questions
Is Toggle home insurance legitimate and financially stable?
Yes, Toggle is a legitimate insurance brand backed by Farmers Insurance Group. It carries an AM Best A (Excellent) financial strength rating. However, its complaint ratios run higher than industry averages.
What states offer Toggle homeowners insurance?
Toggle homeowners insurance is currently available in six states. These are Arizona, Illinois, Oklahoma, Oregon, Tennessee, and Wisconsin. Typically, Toggle expands availability gradually based on regulatory approvals.
Can you customize Toggle home insurance coverage?
Yes, customization is Toggle’s core selling point. Policyholders can toggle individual coverages on and off at any time. For example, you can add pool coverage or pet evacuation costs as needed. As a result, you only pay for the protections you actually want.
How does Toggle compare to Farmers home insurance?
Toggle is owned by Farmers but operates as a separate digital brand. Toggle focuses on customizable, tech-forward policies for younger consumers. In most cases, Farmers offers broader state availability and more traditional agent support. However, Toggle may offer lower base rates in its available states.
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Official Sources & Resources
For verified information on home insurance ratings and regulations:
- AM Best (Financial Strength Ratings): ambest.com
- NAIC (Complaint Ratios): naic.org
- Insurance Information Institute: iii.org
- FEMA (Flood Insurance): fema.gov
- J.D. Power (Customer Satisfaction): jdpower.com
Content last reviewed April 2026. If you notice any outdated information, please contact us.