Toggle Homeowners Insurance
Toggle Insurance
3.8
Subscription model. Pay monthly for only what you need. Farmers subsidiary.
Editorial score
3.8 / 5
Product type
home insurance
Our take
Toggle (a Farmers Insurance subsidiary) reimagines homeowners coverage as a subscription: choose exactly what you need, pay month-to-month, and adjust coverage anytime from the app. Lower upfront commitment than traditional annual policies.
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Full details
| best for | Homeowners who want flexible month-to-month coverage with no long-term commitment |
| specialty | Subscription model, pay month-to-month |
| am best rating | A |
| headline metric | From ~$90/mo |
| home value tier | standard |
| secondary metric | Subscription, cancel anytime |
| states available | Select states (expanding) |
| bundling discount | up to 10% |
| discount highlights | Annual pay, claims-free, smart home devices |
Frequently asked questions
What should I compare besides premium for Toggle Homeowners Insurance?
Look at coverage limits, deductibles, exclusions, and customer service reputation. The cheapest quote is not always the best value if coverage is weaker.
Is Toggle Homeowners Insurance right for me?
Toggle (a Farmers Insurance subsidiary) reimagines homeowners coverage as a subscription: choose exactly what you need, pay month-to-month, and adjust coverage anytime from the app. Lower upfront commitment than traditional annual policies.
Related guides
Verified Apr 2026
Toggle Homeowners Insurance