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Policy Information
| Your Toggle Home insurance policy does not cover earthquake damage. But you can add it as a separate coverage to your policy by contacting our customer support team at (855) 864-1530 (available only to Toggle Home insurance customers in Illinois). |
| Your Toggle Home insurance policy will pay for pet costs like veterinary or boarding expenses, after a covered loss. And for injury caused by your pets to a person other than you. Note: Pets with a history of biting may not be eligible for certain coverages. |
| A home inspection is common practice in the insurance industry and is generally initiated by an insurance company in order to verify the condition of your home. A home inspection helps the insurance company better understand the unique features of your home in the event you suffer a loss and the home needs to be repaired. It also helps the insurance company understand the risks to which your home might be exposed. |
| With your Toggle Home insurance policy, you may be eligible for one or more of the following discounts: Claims Free Discount You are eligible for this discount if you and/or your home have not had a chargeable claim in the last five (5) years. Early Shopping Discount You are eligible for this discount if your policy was quoted at least seven (7) days prior to the policy’s new business effective date. Fire Protection Discount You are eligible for this discount if your home has a qualifying fire protection device installed (fire alarm, e.g.). Good Payer Discount You are eligible for this discount if you have no billing late fees assessed within the previous twelve (12) months. Home Buyer Discount You are eligible for this discount if you previously had a renters insurance policy with Toggle that was in force for at least one (1) year in good standing or if you insured your home with Toggle within twelve (12) months of the home’s purchase. Loyalty Discount You are automatically eligible for this discount if your home has been insured with Toggle for at least two (2) years with no more than one chargeable claim. Multi-Policy Discount You are eligible for this discount if you or your spouse has an auto insurance policy with Toggle, including a policy purchased through one of our agency relationships (Toyota Auto Insurance, Credit Karma, e.g.). Preferred Payment Plan Discount You are eligible for this discount if you paid for your home insurance policy in full at the time of purchase or policy renewal. Theft Protection Discount You are eligible for this discount if your home has a qualifying theft protection device installed (burglar alarm, e.g.). Water Protection Discount You are eligible for this discount if your home has a qualifying water protection device installed (water leak detection device, e.g.). Welcome Discount You are automatically eligible for this discount during the first two (2) years of your Toggle Home insurance policy. |
| For Toggle Home insurance policies, there are three common deductible options: - A flat deductible; for example, $2,500. - A percent deductible, which is a percentage of a home’s dwelling coverage. For example, a 1% deductible on a home with $150,000 dwelling coverage is $1,500. Should your home’s dwelling coverage increase, the calculated amount of your deductible will also increase. - A split deductible, or different deductible options depending on the cause of loss. For example, a percent deductible that applies to wind and hail losses and a flat deductible that applies to all other causes of loss. There are also different types of deductibles that are based on the cause of loss. An All Peril deductible applies to all causes of loss, unless a separate deductible for a certain cause of loss is selected. A Wind-Hail deductible specifically applies to covered damage or loss caused by wind or hail. The deductible options you choose will be listed on your Declarations and shown online in your Toggle account. |
| Typically, homeowners insurance can provide coverage for accidental discharge of water from a plumbing system. Check your plumbing and heating systems once a year. You can have coverage for this type of damage, but really, who needs the mess and hassle? |
Every Toggle policy comes with a $1,000 blanket coverage that can be applied to covered items after your deductible kicks in. If you’re interested in more coverage specifically for your tech, toggle on the Technology package which can provide increased limits for things like your phone, laptop, smartwatch, and/or gaming system.
moreToggle provides the same level of coverage for your stuff when it’s located anywhere in the world, whether that’s at your apartment, on your next adventure, or in your off-unit storage.
moreOf course! After you buy a Toggle policy, we’ll help you “break-up” with your old insurance company. You’ll just need to 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.
moreNo. 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.
moreNo. While each claim is unique, food spoilage is generally not covered.
moreToggle 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.)
moreIf 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.)
moreDoberman-Pit Bull mix? No problem! At Toggle, we don’t exclude any dog breeds from our Pet Parent coverage. We’ll provide the same level of coverage for your pet dog, cat, reptile, bird, or rodent regardless of breed (so long as it’s not a farm animal, or an animal kept for food or profit).
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