Find the answers you’re looking for.
Better Insurance is Better Cover's exclusive insurance product, designed to deliver quality, customized coverage at affordable rates. Better Insurance was created in collaboration with Toggle®, a member of the Farmers Insurance® family. Toggle is the underwriting company - the people who are financially responsible for the policy - and Better Cover will be your agent.
File new or check existing
Would you like to file a new claim or check the status of an existing one?
Better Insurance has teamed up with Toggle®, a Farmers Insurance® company, for the underwriting of your home insurance policy and for the handling of any associated claims. To file a claim, or if you have any questions about an existing claim, please choose one of the above options.
Who are you?
Are you the current policyholder or someone else?
Who are you?
Are you the current policyholder or someone else?
Claims
General
How long will it take to handle my claim?
It depends on how complex the claim is, how serious the damages or injuries are, and how willing other involved parties are to cooperate. Better Insurance claims are handled by Toggle®, a member of the Farmers Insurance® family and the underwriter of Better Insurance home policies. Toggle claims representatives will always work towards prompt resolution of every claim. If a claim requires follow-up work, they'll be there with you every step of the way. And, if your claim has been closed and additional damage or injuries are identified later, they'll reopen the claim and determine if your policy provides coverage for the additional expense.
How can I file a claim? How do claims work?
If you have coverage with Better Insurance, log into your online account and go to the Claims page to submit a claims form for review. If you do not have coverage with Better Insurance, but are making a claim against someone who is, you can notify us by visiting our website (get-betterinsurance.com) and clicking on 'Claims' at the top of the page.
Better Insurance is underwritten by Toggle Insurance Company, a member of the Farmers Insurance® family, and Toggle® handles all Better Insurance claims. When you file a claim, a Toggle claims adjuster will reach out to you either by phone, email, or chat (whichever you prefer). They will likely ask for more details about the loss to help them process the claim. Note: all claims are subject to the policy limits you selected, your policy deductible when applicable, and other terms and conditions.
How do I know if my claim will be covered?
A good place to start is by reviewing your policy. Our licensed representatives are also available by phone at (646) 603-1942 (Monday - Friday from 9am to 9pm EST) or email after hours (betterinsurance@better.com) to help you understand what coverage you've purchased.
How long will it take to handle my claim?
It depends on how complex the claim is, how serious the damages or injuries are, and how willing other involved parties are to cooperate. Better Insurance claims are handled by Toggle, a member of the Farmers Insurance(R) family and the underwriter of Better Insurance home policies. Toggle claims representatives will always work towards prompt resolution of every claim. If a claim requires follow-up work, they'll be there with you every step of the way. And, if your claim has been closed and additional damage or injuries are identified later, they'll reopen the claim and determine if your policy provides coverage for the additional expense.
How will I get paid for a claim?
Better Insurance claims are handled by Toggle®, a member of the Farmers Insurance® family and the underwriter of Better Insurance home policies. Toggle is a fully digital company - therefore, they aim to pay for claims electronically whenever possible. When electronic claims payment is not possible, a paper check will be mailed to your policy address.
Home Insurance
Do I need to file a police report for property damage or loss due to theft?
Yes, reporting losses and/or damage to the appropriate authorities is required by your policy. We recommend filing a police report immediately any time you experience theft or vandalism to your property. Check out the Duties After Loss section of your Better Insurance policy documents for additional details about what you should do after loss or damage to your property.