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Renters Insurance

What is Liability coverage?

Liability coverage can help cover you, including legal costs, if someone else has property damage or bodily injury and you're found legally liable. Many landlords require renters to have Liability coverage and Toggle provides a minimum of $100,000 in liability on all of our renters insurance policies.

Is my laptop, smartphone, or smartwatch insured?

Every Toggle policy comes with $1,000 of blanket coverage that can be applied to covered items after your deductible is met. If you’re interested in more coverage specifically for your tech, toggle on the Technology package and select the amount of coverage you want for things like your phone, laptop, smartwatch, and/or gaming system.

Is my stuff in a storage locker insured?

Toggle provides the same level of coverage for your stuff wherever it's located (coverage is worldwide) - whether that’s at your apartment, on your next adventure, or in your offsite storage unit.

Can I get coverage with Toggle if I currently have renters insurance with another company?

Of course! If you buy a Toggle policy, we’ll even help you “break-up” with your old insurance company and request any refund you may be owned on your behalf. Just log in to your Toggle account and provide the name of your old company as well as your prior policy number - we’ll take care of the rest.

What is Replacement Cost coverage?

Our optional Replacement Cost add on coverage will help pay to repair or replace damaged property without deducting for depreciation. So let's say you toggle up Technology coverage to cover your laptop and phone and they get stolen - we'll reimburse you what it would cost to buy new ones of like model and quality. You can toggle on Replacement Cost while quoting or at any time after purchase by logging in to your account at www.gettoggle.com/login and clicking 'Edit policy'. Without Replacement Cost coverage, damage to your property will be reimbursed at Actual Cash Value, which takes into account the age and condition of your property before the loss or damage occurred. That means if your 10-year-old laptop gets stolen and you don’t have Replacement Cost coverage, your reimbursement amount will be based upon what it would cost to buy a similar 10-year-old laptop.

Does my TLC coverage apply if I leave my residence because of a power outage?

No. While each claim is unique, loss of power is generally not a covered loss under the policy nor is it considered damage to the dwelling.

Who should I include on my auto insurance policy?

In addition to yourself, you should include anyone in your household who is 15 years of age or older, has a valid and active drivers license, and has regular access to the car(s) on your policy (30 days/year or more), even if they are temporarily living away from home or are long-term guests.

How many drivers and vehicles can I include on my auto insurance policy?

8 is the magic number - you can include up to 8 drivers and 8 vehicles on your Toggle auto insurance policy.

What traffic citations and/or moving violations should I include on my auto insurance quote?

During the quoting process, plan to disclose all citations and violations that occurred in the past 3 years except parking tickets.

What does "driver exclusion" mean?

Excluded drivers are not covered when driving vehicles listed on your policy. If you exclude any drivers, you will be required to electronically sign a named driver exclusion form. Please make sure to read this form carefully to understand how your coverage will be affected. And refer to your Declarations Page for the driver information specific to your policy. If you are prompted to exclude a driver and you choose not to, unfortunately you will not be eligible for coverage with Toggle.

Do you use my prior insurance information?

Yes - we review your history of insurance coverage in order to determine whether you qualify for coverage, establish your premium, or find out whether you are eligible for certain discounts.

Do you offer policies to drivers who require Financial Responsibility Filings or SR-22s?

At this time, we are unfortunately not able to file SR-22s or any other kind of Financial Responsibility Filing for drivers in any state. If you or another driver on your policy requires one, we will direct you to an affiliated company within the Bristol West Insurance Group.

What coverage does my renters insurance policy provide for my pet(s)?

Toggle renters insurance policies offer an optional add-on coverage called Pet Parent. It provides: up to $100,000 for injury caused by your pets to another person (other than you) that takes place anywhere in the world (pets with a history of biting are excluded) up to $500 in pet boarding costs if a covered loss or damage makes your residence temporarily unfit to live in up to $500 for damage to your residence caused by your pet up to $500 for the veterinary care if your pet is injured as a result of a covered loss (in select states) To add this coverage, log into your Toggle account, select your renters insurance policy, and click 'Edit my policy'. (Note: In Georgia and New Jersey, coverage for injury caused by your pets to another person (other than you) is included in the renters insurance policy and therefore, not a part of the Pet Parent coverage. All other Pet Parent coverage shown above is applicable.)

What coverage does my auto insurance policy provide for my pet(s)?

Toggle auto insurance policies offer an optional add-on coverage called Pet Passenger. It pays for the cost of veterinary care, burial, disposal, injury, or death of household pets resulting from a covered loss, up to an aggregate maximum limit of $1,000. To add this coverage, log into your Toggle account, select your auto insurance policy, and click 'Edit my policy'.

Am I insured if my dog bites someone?

If you have a Toggle renters insurance policy with Pet Parent coverage and your dog does not have a history of bites, we’ll provide up to $100,000 of coverage for bodily injury if your dog, say, gets a little carried away when the new mailperson shows up. (Note: In Georgia and New Jersey, coverage for injury caused by your pets to another person (other than you) is included in the renters insurance policy and therefore, not a part of the optional Pet Parent coverage. All other Pet Parent coverage is applicable.)

Do you exclude any dog breeds?

Nope! At Toggle, we love all breeds of dogs.