Toggle vs farmers home insurance is a comparison that trips people up, because these two are not rivals. Toggle is Farmers. Farmers launched Toggle in 2018 as a digital, subscription-style brand aimed at renters. It sits inside the same Farmers Insurance family, backed by the same balance sheet.
So the real question is not which company is stronger. The real question is which product fits your situation. Toggle was built for renters who want a cheap monthly plan bought in five minutes on a phone. Farmers was built for homeowners who want a full policy, a local agent, and a long discount list. That distinction drives everything below.
Toggle Vs Farmers Home Insurance: Quick Comparison
The table below shows why toggle vs farmers home insurance is really a product comparison, not a company one.
| Feature | Toggle | Farmers |
|---|---|---|
| Average Annual Rate | ~$240/yr renters (~$20/mo); ~$2,160/yr home | ~$2,323–$2,820/yr home at $300K dwelling |
| AM Best Rating | A (Excellent) | A (Excellent), affirmed August 2025 |
| J.D. Power Home Score | Not rated (too small) | 676 / 1,000 (industry average 682) |
| NAIC Complaint Ratio | Elevated — roughly 2x expected on renters | Near or below the national median |
| States Available | Renters: 33 states + D.C. Home: AZ, IL, OR only | Home insurance in roughly 40 states |
| Bundling Discount | Limited; auto and renters only | ~24% average; 22% home/auto package in California |
| Claims Satisfaction | Mixed; app-based, no agent | Slightly below average, but full agent support |
| Mobile App Rating | Strong on iOS; the core of the product | Solid, but built as a companion to an agent |
One fact deserves to come first, not last. Farmers is reported to be sunsetting the Toggle brand. Nonrenewals have already hit renters policies in Mississippi and Arkansas, affecting roughly 866 and 390 policies. Verify Toggle’s status in your state before you buy. However, existing Toggle customers are being helped into replacement coverage.
The second fact matters almost as much. Toggle barely writes home insurance at all. Home coverage is limited to Arizona, Illinois, and Oregon. For example, a homeowner in Texas or Georgia simply cannot buy a Toggle home policy. In most cases, that ends the debate before it starts.
Coverage Options: Toggle vs Farmers
Toggle’s strength is renters coverage. You pick Basic, Standard, or Premium. Basic covers liability and personal property at modest limits. Standard and Premium raise those limits and add valuables coverage. Typically the whole quote takes under five minutes. There is no agent, no inspection, and no phone call.
The add-ons are where Toggle stands apart. Pet Parent Coverage helps with vet bills. Side Hustle Coverage protects gear used for freelance work. Identity Protector handles identity theft recovery. These are aimed squarely at renters in their twenties and thirties. On the other hand, none of them replace real homeowners protection.
Farmers offers a far deeper homeowners lineup. Standard policies cover dwelling, other structures, personal property, loss of use, and liability. Optional endorsements include Eco-Rebuild, which pays extra to rebuild with green materials. Claim Forgiveness prevents a rate increase after one claim. Declining Deductibles credit you $50 toward your deductible each claim-free year. Farmers also writes separate flood and earthquake options through partners. In any honest toggle vs farmers home insurance breakdown, Farmers wins coverage depth outright.
Rates and Discounts: Toggle vs Farmers
Prices are not comparable line for line, because the products differ. Toggle renters starts near $5 per month. Most renters land between $12 and $20 monthly. That is roughly $144 to $240 per year. Farmers homeowners policies average about $2,323 per year, or near $2,820 at a $300,000 dwelling limit with a $1,000 deductible. That sits slightly above the national average.
| Discount Type | Toggle | Farmers |
|---|---|---|
| Total discounts offered | Few — pricing is tier-based | 22 home discounts (most of any major carrier) |
| Home/auto bundle | Auto + renters only | ~24% average; 22% in California from Sept 15, 2026 |
| New or newer home | Not offered | Up to 34% |
| Claim-free credit | Not offered | Yes, plus Declining Deductibles |
| Protective devices | Limited | Yes — alarms, sprinklers, smart sensors |
| Wildfire mitigation | Not offered | Yes, in eligible Western states |
| Profession/military | Not offered | Yes |
Farmers’ discount stack is the strongest argument in the toggle vs farmers home insurance debate. Its average bundling discount of about 24% beats the roughly 14% national norm. California regulators approved a new Farmers rating plan in May 2026 that raises the home/auto package discount to 22%. Bundling is also why many homeowners compare auto insurance rates at Car Cover Guide before locking in a home policy, since the auto side often decides the total bill.
Toggle simply does not compete on discounts, and it never tried to. Its pitch was a low flat subscription price with no haggling. For example, a renter with few belongings may pay less at Toggle than a discounted Farmers renters policy. However, that advantage disappears the moment you own a house. Trimming your premium frees up cash, and some readers park those savings where they find bank sign-up bonuses at Bonus Bank Daily.
Claims Process and Customer Service
Toggle handles nearly everything in-app. You file a claim digitally, upload photos, and track status on your phone. There is no local agent to visit. Typically that works fine for a stolen laptop or a small theft claim. It works less well for a complicated loss.
Claim data here is not flattering. Toggle’s NAIC complaint activity has run roughly twice the expected level for its size on the renters line. Complaint volume that high is a real caution flag. On the other hand, Toggle is a small book of business, so a modest number of complaints skews the index quickly.
Farmers scored 676 out of 1,000 in J.D. Power’s U.S. Home Insurance Study, against an industry average of 682. That is slightly below average, not poor. Farmers’ NAIC complaint index sits near or below the national median, which is solid for a carrier of its size. Its advantage is the roughly 48,000-strong agent network. For a total loss, a named local agent matters. That is the practical customer service split in toggle vs farmers home insurance.
Financial Strength and Stability
Financial strength is the one area where toggle vs farmers home insurance is genuinely a tie. Both carry an AM Best rating of A (Excellent). AM Best affirmed the Farmers Insurance Group ratings in August 2025. Toggle Insurance Company holds the same A grade. That is not a coincidence — Toggle is backed by the Farmers group.
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Farmers has been writing policies since 1928. It is among the largest property and casualty groups in the United States and is owned by Zurich Insurance Group. It writes home, auto, life, and business coverage nationwide. Its scale is not in question.
Toggle has existed since 2018. It added auto in 2021 and a narrow homeowners product later. Its scale is tiny by comparison, and its future is uncertain given reported plans to wind the brand down. In most cases, brand stability should push a long-term homeowner toward Farmers. A one-year renter has less at stake, so the toggle vs farmers home insurance calculus shifts with your time horizon.
Which Home Insurer Should You Choose?
Choose Toggle if: You rent an apartment and want coverage in under five minutes. You are a freelancer or pet owner who wants Side Hustle or Pet Parent add-ons. You want a low flat monthly price near $12 to $20 and no agent contact. You live in Arizona, Illinois, or Oregon and want to check its narrow homeowners product — after confirming it is still being sold in your state.
Choose Farmers if: You own a home anywhere outside those three states. You want Eco-Rebuild, Claim Forgiveness, or Declining Deductibles. You are bundling home and auto and want a 22% to 24% package discount. You want a named local agent handling a large claim.
The verdict on toggle vs farmers home insurance is unusually clean. For homeowners, Farmers is the answer in nearly every state, because Toggle is not an option. For renters, Toggle offered a genuinely cheaper, faster product — but the reported wind-down of the brand undercuts it.
Here is the practical advice. If you own a home, quote Farmers and two competitors, then bundle your auto to capture the package discount. If you rent, confirm Toggle is still writing in your state before you apply. Otherwise take a Farmers renters policy and bundle it, since Farmers offers a switch-to-home discount later. That is the honest resolution to toggle vs farmers home insurance.
Frequently Asked Questions
Is Toggle owned by Farmers Insurance?
Yes. Farmers launched Toggle in 2018 as a digital, subscription-style brand. Toggle Insurance Company sits inside the Farmers group and shares its A (Excellent) AM Best rating.
Does Toggle sell homeowners insurance?
Only in Arizona, Illinois, and Oregon. Everywhere else, Toggle writes renters and auto coverage instead. For example, a homeowner in Ohio must go to Farmers directly.
Is Toggle shutting down, and what happens to my policy?
Farmers has been reported to be sunsetting the Toggle brand, with renters nonrenewals already issued in Mississippi and Arkansas. Typically the company notifies you well before nonrenewal and helps you find replacement coverage. However, check your renewal notice and confirm availability before buying a new Toggle policy.
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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 August 2026. If you notice any outdated information, please contact us.