eRenterPlan vs Toggle
eRenterPlan vs Toggle: Renters Insurance Comparison (2025)
Choosing the right renters insurance is essential for protecting your belongings and peace of mind. Two digital-first options, eRenterPlan and Toggle, cater to modern renters but differ in coverage, flexibility, pricing, and customer experience. Here’s an expert, SEO-friendly comparison to help you decide which is best for your needs.
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Overview and Company Background
eRenterPlan is a renters insurance program often offered through property managers and is available only at participating properties across all 50 states and Washington, D.C. It focuses on fast enrollment, standard replacement cost coverage, and unique add-ons, but is limited in flexibility and availability.
Toggle, backed by Farmers Insurance, is a digital-first insurer offering highly customizable renters insurance in 33 states and Washington, D.C. It’s known for its flexible coverage, unique endorsements, and modern, online experience, appealing especially to tech-savvy and younger renters.
Coverage Options
| Feature | eRenterPlan | Toggle |
|---|---|---|
| Personal Property | Replacement cost, up to $50,000 (standard) | Customizable, $1,000+; category-based selection |
| Liability | $100,000 (fixed) | $100,000+ (customizable, includes personal injury) |
| Medical Payments | $1,000 (fixed) | Customizable |
| Loss of Use | Up to 100% of property limit | Optional (temporary living costs add-on) |
| Roommates | Up to 4 included for free | Not standard |
| Dog Bite Coverage | All breeds covered | Optional via pet parent coverage |
eRenterPlan offers standard replacement cost coverage and covers all dog breeds, but customization is limited. Toggle excels in flexibility with category-based protection (tech, fashion, etc.).
Optional Add-ons and Endorsements
eRenterPlan: Bedbug remediation, Pet damage liability, Unemployment rent protection, Water/sewer backup, Identity recovery, Hurricane and earthquake coverage (location-dependent).
Toggle: Pet parent coverage, Side hustle protection, Identity protector, Replacement cost upgrade, Bedbug remediation, Flood/earthquake/water backup (standard in many states).
Pricing and Discounts
| Feature | eRenterPlan | Toggle |
|---|---|---|
| Base Cost | $15–$20/month | $5–$13/month (avg.), highly variable |
| Discounts | Limited | Multi-policy, claims-free, good credit, safety features, paperless |
| Pricing Model | Fixed, few customizations | Highly customizable, pay for what you need |
Toggle offers low base pricing and multiple discounts. eRenterPlan is more expensive and lacks pricing flexibility.
Availability
eRenterPlan: Available in all 50 states + D.C., but only for renters in participating properties.
Toggle: Available in 33 states + D.C., open to any renter in those states (not restricted to properties).
Claims Process and Customer Experience
eRenterPlan: Claims are managed by the underwriter, which may lead to delays. Policyholders must contact eRenterPlan to cancel; many reviews mention billing and support issues.
Toggle: Claims and policies are managed online. No mobile app but a mobile-friendly site. Some complaints about slow service and high complaint volume.
Customer Satisfaction and Complaints
| Metric | eRenterPlan | Toggle |
|---|---|---|
| User Ratings | Very low (1.1/5 stars) | Higher, but more complaints |
| NAIC Complaint Index | High | High |
| Common Complaints | Billing, cancellation, communication | Slow response, digital-only service |
Pros and Cons
| eRenterPlan Pros | eRenterPlan Cons |
|---|---|
| Fast enrollment | Only at participating properties |
| Replacement cost standard | Limited coverage customization |
| No rate increase after claim | Poor customer reviews |
| Free roommate inclusion | Fixed limits for most coverage |
| Covers all dog breeds | Difficult cancellation process |
| Unique add-ons (bedbugs, etc.) | Higher-than-average price |
| Toggle Pros | Toggle Cons |
|---|---|
| Highly customizable policies | Limited state availability |
| Affordable base rates | Higher premiums for extensive coverage |
| Unique add-ons (side hustle, pets) | No in-person agents, no mobile app |
| Digital-first, easy management | Higher complaint volume, slow responses |
| Backed by Farmers Insurance | Complexity may overwhelm some users |
Who Should Choose Which?
Choose eRenterPlan if: Your property manager requires it, you need free roommate or all-breed dog coverage, or want simple enrollment and standard protection.
Choose Toggle if: You prefer flexible, digital-first coverage with unique endorsements like pet or side hustle protection—and live in a participating state.
Comparison Table
| Feature | eRenterPlan | Toggle |
|---|---|---|
| Company Type | Renters insurance program | Digital insurer (backed by Farmers) |
| Availability | 50 states (partner properties only) | 33 states + D.C. (open to all renters) |
| Policy Purchase | Online or via property manager | Online only |
| Average Monthly Cost | $15–$20 | $5–$13 (avg.), highly variable |
| Discounts | Limited | Multi-policy, claims-free, more |
| Coverage Customization | Limited | Highly customizable |
| Replacement Cost | Standard | Optional add-on |
| Add-ons | Bedbug, pet, unemployment, more | Pet, side hustle, identity, more |
| Roommate Coverage | Up to 4 included | Not standard |
| Dog Bite Coverage | All breeds | Optional via add-on |
| Claims Process | Through underwriter | Digital, online |
| Customer Satisfaction | Very low | Mixed, higher complaints |
| Complaint Volume | High | High |
Conclusion
eRenterPlan is best suited for renters who are required to use it or want fixed-rate coverage with specific features like all-breed dog protection and roommate inclusion. However, it lacks customization and has low customer satisfaction.
Toggle is ideal for renters looking for flexible, customizable, and digital-first renters insurance. It offers valuable add-ons, monthly flexibility, and is backed by Farmers Insurance. It’s not available nationwide and has some service-related complaints but stands out for innovation and ease of use.
Bottom line: Choose Toggle for tech-savvy flexibility. Choose eRenterPlan only if required or for specific niche needs.
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Customer Reviews
eRenterPlan vs Toggle: Frequently Asked Questions (FAQs)
Who can buy eRenterPlan renters insurance?
Only tenants at participating properties can purchase eRenterPlan policies.
Can I add roommates to my eRenterPlan policy?
Yes, you can add up to four additional residents at no extra charge.
Does eRenterPlan cover dog bites or all dog breeds?
Generally, yes. There are no breed restrictions unless your dog has a bite or aggression history.
How do I cancel my eRenterPlan policy?
You must log in to your account or call customer service to request cancellation. The policy does not cancel automatically at the end of your lease.
Is coverage available nationwide?
Yes, but only at participating properties in all 50 states and D.C..
What is the billing process?
You are billed in advance, with payments recurring automatically. The billing date is set two weeks before your next coverage period.
Can I transfer my policy to a new address?
Yes, you can transfer your policy when you move by contacting customer service.
Are belongings in storage covered?
Yes, but coverage is typically limited to 10–20% of your personal property limit when items are off-premises.
Is documentation required for claims?
Receipts are best, but photos or videos can also be used to document ownership and condition of items.
Does eRenterPlan offer discounts?
No advertised discounts, but you may save on fees by paying your premium in full upfront.
Who can buy Toggle renters insurance?
Renters in 33 states and Washington, D.C. can purchase Toggle policies.
What does Toggle’s base policy cover?
$1,000 personal property coverage, $100,000 liability, medical payments to others, and optional temporary living costs.
Can I customize my coverage with Toggle?
Yes, you can select category-specific coverage (tech, furniture, fashion, etc.) and add options like pet, identity, and side hustle coverage.
Does Toggle cover flood and earthquake damage?
Yes, flood damage is covered everywhere; earthquake coverage is available in all states except California.
What is Pet Parent coverage?
Covers pet liability, boarding, pet-caused damage, and sometimes vet bills, depending on your state.
Does Toggle cover roommates or business activities?
No, roommates are not covered unless specifically added. Side hustle coverage is available for certain business equipment and income, but not for rideshare activities.
How much does Toggle cost?
Basic policies start at $5/month, with most averaging $13/month. Pricing varies based on coverage and location.
What discounts are available with Toggle?
Discounts for bundling, good credit, no claims, paperless billing, and safety features are available.
How do I file a claim or manage my policy?
Toggle is fully digital. You can manage your policy and file claims online or via their website (no mobile app).
How do I cancel my Toggle policy?
Cancel anytime through your Toggle account or by contacting customer service.
Are there drawbacks to Toggle renters insurance?
Limited state availability, higher premiums for extensive coverage, no in-person agents, and no mobile app.
Blake Nwosu
Owner & Principal Agent
Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed