Lemonade Insurance App Reviews

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Hassle free insurance. I switched from Geico (paying $25 a month) to Lemonade because Geico’s customer service was so awful. I am still in shock a year later that renters insurance can be so cheap ($5?!) and my rate has never increased. No hidden fees, no shady business, just straight to the point. In past renters insurance has been so confusing. You have to scan through your contract and all the legal jargon and *hopefully* you can understand what is covered. The Lemonade app is the easiest app I’ve ever used and every single thing I could possibly need to know is just right there. Their virtual assistant even answers questions correctly. That has not happened in the history of any automated assistant to ever exist. I also love that they’re nonprofit and allow you to choose where your extra money goes that they don’t use. I luckily haven’t had to file a claim so I can’t speak to that process. But I can not recommend them enough. Fingers crossed that they one day add a car insurance option 🤞🏻

Truly disappointed in their lack of trust towards their customers!. We’ve used lemonade for our apartment this past year and loved their services. The app was very simple and quick to use. That being said, we are moving apartments in the same complex and had to create a new policy and our complex increased their Personal liability which I was able to increase it on our current plan. When I went to go add the higher policy to the new policy it wouldn’t allow me and after waiting days for a callback that I was promised but never got, I found out that the reason was because I wasn’t trusted as a customer and hadn’t been with them long enough!!?? If that’s the case then why was I allowed to have the higher amount on my old policy!? Absolutely ridiculous! I immediately canceled my policy and took my business to Geico where I got fast service, better prices and coverages, and most importantly I got my higher personal liability no questions asked! Overall I will never use lemonade again and will be recommending that people steer clear from them.

Only buy if you don’t plan to use. PLEASE DON’T BUY - at least 20 hours of my life have been wasted for no reimbursement. Lemonade is cheap and easy to buy and that is truly all they have going for them. I was going to wait for a resolution on my claim but it has been a month since my apartment flooded and the last I heard they don’t plan to give us a single penny despite our kitchen being out of commission for an entire month. We were unable to be relocated to another place because they were so slow to respond. They make promises left and right and never follow through on them. I think there whole strategy is to be so slow to respond that you give up on pursuing. At first I thought it was the specific advisor we were assigned but I spoke to at least 10 people within lemonade and they were all not only unhelpful but also passive aggressive and didn’t trust me at any point. PLEASE DON’T BUY!!! UPDATE: I reached out to the email below and they said someone would call me and never did which is very classic for lemonade.

Buyer BEWARE!. Worst insurance company and process ever. They hope you forget about the claims process and ignore the fact they don’t want to pay out a dime. I have used companies like State Farm and Geico in the past and they make things seemless and painless. These people want to call all my relatives and family and friends to harass them from paying out my claim. I have never had to deal with such a poor company in my life I asked for a supervisor and a week later they said they do not care and they can do anything they want to wait months to pay out on my claim if they will pay out anything. I was unable to live in my apartment because of the damage and Robbery but they refused to pay out for loss of use or anything for damages. At this point I am going to have to get an attorney and spend 8,000 dollars or more just to get a 30,000 dollar claim to payout and even then my attorney said they will have to pay out for bad faith or failure to pay claims on purpose in hopes you just give up. NEVER EVER USE THIS COMPANY YOU WILL BE SO SORRY AND YOU WILL HAVE TO SUE THEM FOR 50,000 or MORE JUST TO GET A PENNY FROM THEM FOR THEIR NEGLIGENCE. WHATEVER YOU DO NEVER OPEN OR USE THIS APP. THEY BLOCK YOUR NUMBER AND REFUSE TO TAKE YOUR PHONE CALLS AND SAY THEY WILL ONLY ANSWER IN EMAIL WHICH TAKES THEM DAYS ON END. DO YOURSELF A FAVOR AND USE A REAL INSURANCE COMPANY.

The best renters insurance!. I tell people about Lemonade all the time, you can’t beat the price and the customer service is truly incredible. I’ve been using their services for about a year and only recently did I actually have to file a claim. I had an unfortunate mishap of having my laptop stolen while out of town (!!!) and had to file it with my renters. Sarah at Lemonade was sooo helpful, so KIND and so understanding, as these situations are often really messy with a LOT of moving parts that can be completely out of your hands. My claim was handled quickly and seamlessly, and everything was as my policy laid out. I also found out this summer while traveling abroad that this policy covers you WHEREVER YOU ARE in the world! After comparing travelers insurance prices, which are incredibly expensive, I thought to just ask Lemonade because someone mentioned my renters might cover it and - it does! It is such a relief knowing that for $5 a month, I’m covered no matter where I am and without any hassle. Crossing my fingers I won’t have to file anymore claims, but even if I have to, I know they’re reliable and kind, unlike some other agencies I’ve encountered. I’m so happy with Lemonade and I really hope everyone joins them to keep their stuff safe!

Almost impossible to get in human contact. Great if it works for you. Horrible if 1 thing goes wrong. I spent 2 hrs trying to get a human contact bc in moving and tried to cancel the policy at the end of the month. Thought that's what I was doing and then they said it was canceled on that day and a refund was being sent to me thus leaving me without coverage the rest of the month. You gotta put in just the right words to get their phone number. Plus no ability to cancel ahead of time. So long being an adult and on top of things, you can only cancel day of. Also they're cheapo nazis if you own firearms. I buy 1 expensive gun that's worth $2k and apparently they view me as a psycho and don't give the option to insure over $1500 for firearms as a political statement they no nothing about. I'm not talking about crazy coverage but, if my house current down if like to be able to get $5k in firearm related coverage. I get the cost savings of limiting it for theft but why should that matter in an fire/flood/tornado and destruction event? Cut the political BS. It's like them saying your crazy for owing over $20k of cars. Dude, 1 car can cost more than $20k. If you going to pick an arbitrary number then pick one a little bit higher...

Customer Service Subpar. It is nice they offer more affordable insurance compared to the bigger companies and I like that there’s no middle man, but when it actually comes to actually filing a claim. Your customer advocate is non-existent they call you once when you file your claim, but none of them have a personal email to contact if you have questions, they do have their own extension numbers. My advocates number always went directly to voicemail. Even went i left a couple of voicemails a week apart no one cares enough to call back. At one point it got switched to someone else because they called me to follow up on getting payments made, but again if you have a question and call them back never available. Then, my advocate got switched back to the original person, again, to follow up about payments. You’re working on their time when it comes to claims. If you have any questions, tough luck, call customer service they just either transfer you to your unavailable advocate or they’ll email them to contact you. It’s been almost 3 months and still impossible to talk to anyone. Easily, one of the worst customer service out there. I give it 2 stars for it’s affordability

Affordable and Amazing. I just wanted to pop on here and give a 5 star review because this morning I was taking my nephew to school and a car in front of me brake checked because a car pulled out in front of it so I also had to slam my brakes, and no more than 5 minutes later I got a call asking if I was okay from my local emergency services. This is the first time this has happened and I had no idea that this app could do that, but I was highly impressed. I’m on a very fixed income and had to find the cheapest insurance as possible with the best coverage. Lemonade was in my budget (well under it), and still gave me “full coverage.” I will 100% be switching most my insurances over to Lemonade in the future because of their rates and customer service. I’m amazed!

Takes forever to process claims. The app itself is great. It’s very easy, fast and convenient to get quotes and approval to buy an insurance policy, and the claim filing bot is also fast and easy to use…but then you play email tag for months and months with your claim “advocate” when something actually happens. I have a pet insurance policy and my dog was recently diagnosed with a heart murmur, so I’ve had to file two claims so far…first one was a piece of cake…gave me false hope that this insurance company didn’t play games…but the second one is awful! They keep moving the goalposts on what’s needed to finish processing the claim and keep coming back and saying they haven’t received all the doctor notes and medical records even though both my vet and I emailed it to them multiple times. I filed this claim in June and now here we are in September. I’ve been following up the whole time and they apologize and say they just need more notes before they can process, but I’ve been told that several times now and always forwarded what they asked for and I’m still just waiting and waiting. How many different sets of notes do they need before they honor their policy?! Now I feel like I am stuck because my dog has been diagnosed with a preexisting condition, but if I could do it over again I would go with a different vendor. If they don’t pay out at the end of this then I will probably just go back to paying out of pocket. Why should people pay a monthly premium for nothing?!

Easy peasy. Renters insurance is one of those things that everyone should have but many people don’t. I didn’t for most of my adult life. But then I moved to LA and into a place that required it. Anyway, a few months after I started my policy, it’s fire season. What?! There’s a season for FIRE? Yes. Yes there is. And I ended up in an evacuation area. I’m scared, honestly. I just moved here and most of my stuff is new. Anyway...I reached out and asked a bunch of questions on the app and they got back to me very quickly, assuring me I was covered and explained some details in a way that was really easy to understand. Everything ended up being fine where I was but it really took a load of worry off my mind that they answered by questions so that I understood everything. I’m back in New York and have them here too. We have different weather issues here and they explained the coverage about flooding & water damage so that I knew exactly what it was and what it covered. Thanks, Lemonade team!

Sour Lemonade. Just as Lemonade can be balanced with plenty of sugar, ice, and provide a refreshing tangy treat on a hot day… it can also be made too sour. Or you could mess up and add salt instead of sugar. That’s what lemonade insurance served me. A salty sour mess. I opened a protection plan for my room before throwing a party. The policy went active at midnight. The party raged til dawn. In the morning I found an entire shelf of my stuff had fallen and everything on it had been damaged. Opened a report- instantly rejected because I put the date in wrong. Opened another with the correct date - special investigations unit gets involved and the person I spoke to on the phone couldn’t understand dates and times because of the verbiage of “morning” when referring to AM before Dawn. She basically gaslit me for an entire attitude filled awkward phone call and I haven’t heard back since… what am I paying for? Whatever I’m receiving is pure incompetence. As for the app, it’s glitchy, clunky, and doesn’t word things in a clear way during the claim submission process. Also the chat window ai thing that’s supposed to be relatable and hip is just cringe and unhelpful. What a waste of time and money.

The worst. After having lemonade for about six months, my dog was itching so much out of anxiety which I didn’t know then but that created a hematoma on his ear and had to get surgery. Before I agreed to the surgery and all the costs, I called Lemonade to see if it would be covered, the spokes person that I talk to said yes it’s all covered under my insurance and that I would pay the 10% after I turn in my receipts since I signed up for them covering the 90% and they would reimburse me. However, after the surgery was done, I took pictures of my receipts like you are supposed to and turned them in. They denied paying for my bills because they said this was a pre-existing condition. However, that’s completely in accurate, even the vet agreed that is was not a pre-existing condition. I tried turning in another receipt a month later and again was denied. What a waste of money and what a rip off I am absolutely unhappy with this company and not once have they given me a full explanation on why I was denied decides to take my money from me.

A little frustrating. I can imagine that all the other reviews are accurate for those users, but unfortunately I did not have a great experience. It was so difficult for me to get through to an actual person who would help me. I was shuffled around from department to department to finally get an answer. Between filing the claim through the app, someone responding to the claim via email and auto shutting it down without reading anything I wrote and then trying to call in and receive help only to hear that I need to file an additional claim because the first one was incorrectly shut down. I was also told that I HAD to write down that my property damage was above $250 (even though that wasn’t accurate) in order for someone to actually take a look at my claim. Normally I love companies who sorta cater towards my generation by doing everything through an app, but this time I wish I would have insured with a traditional insurance company. Sometimes you need to talk to a real person, not just AI.

Not competitive and unnecessarily “cutesie”. I had seen many many ads for Lemonade on social media and after seeing one about pet insurance I decided to give it a go and see what the rates would look like. My first thing was the information gathering experience. I get that they want to make insurance “fun” but it was just to the point of annoyance working with the AI to gather information. Things I have come to expect in high quality apps is simplicity and functionality. They could do more with simplicity and less with “fun”. Onto the quotes, pet insurance in and of itself is ridiculous for the price which I understood looking into this but I ran a home quote as well to compare to what I currently have through a brick and mortar agency here in town. Nowhere close in cost(almost double), less coverage and a higher deductible. So I have not had lemonade insurance but just want to give a review for those thinking that it is this unknown unicorn in insurance agencies. It isn’t, it sounds and feels just like any other insurance agency but with less personalization. Just do your research and talk to multiple agents/professionals and your insurance experience may not be “fun” but it will be easier and you will get a much better rate, which is the main goal.

Buyer beware. Lemonade is great until you actually have an issue. My rental house caught on fire and I had to move. Lemonades communication was awful and they did not get any inspectors to my place for 7-8 days which means I had to leave all of my belongings in a house that was marked uninhabitable with a big neon sign in the middle of the city. Worst of all when we showed up for the inspection, the landlords restoration company was already there gutting half the house! They had destroyed and thrown away an entire room full or furniture and clothes. Our claim advocate assured us she would get it worked out, but never did and we had to did through the trash for our things and are still battling with the landlords insurance to get compensated for those items since Lemonade did not cover them since they were gone at the time of their inspection. Now the restoration company is finally working with us to resolve the situation and Lemonade will not return either or our calls or emails for 2 weeks!! The only reason I’m giving two stars is because they did pay our claim fairly quickly, about 6 weeks after the fire. Most customer service sucked, but there was 1 decent human I spoke to twice Tannyn. Our claim advocate was reassuring but has not come through for us on the situation above.

Buyer beware. Everything is easy getting started then when you go to file a claim they deny you for any small thing this company is literally ripping people off and making millions doing it by getting you to pay every month and then when something really happens in the home they do not allow the claim to go through they will deny it by any means necessary I would never use them ever again I actually had a claim filed with them where my roof is for a storm a tree put a huge hole in my roof of my home the guy came out and wrote a false report stating that the roof was just fine and it clearly had a huge hole in it he took pictures that he never submitted it ended up getting new insurance am I is for a storm a tree put a huge hole in my roof of my home the guy came out and wrote a false report stating that the roof was just fine and it clearly had a huge hole in it he took pictures that he never submitted it was just ridiculous I ended up getting new insurance and my claim went through The new insurance company could not believe the Lemonade did not approve my claim

Easy to sign up, waste of time after. Signed up our 3 dogs for their pet insurance. Go to file our first claim for a basic ear infection visit and the process took so long because you can only file a claim via this slow crummy chat interface that’s only available on the app and not on the web version. They ask you to manually enter every individual item and price from the receipt, then after making you manually enter everything under the sun (without allowing you to paste anything into their app! hire a UX designer!) ask you to send the full receipt anyways. There is absolutely no need for this chat interface asking questions after question when you are going to manually receive the full receipt from the vet anyways. If it’s going to eat an hour of my time every time I take one of our dogs to the vet for a routine visit this is not worth it at all - cancelled all of our stuff through them after dealing with this bad experience. It seems like this company only optimizes to make signing up super easy, everyone is happy until you have to actually file a claim which is why it’s so highly reviewed. Insurance is worthless if you can’t actually use it - I would recommend avoiding this company.

Delayed Coverage and No One To Answer Call. I got a Lemonade policy for my car. Nowhere during the checkout process did it let me know when there would be an effective start to my coverage. I assumed it would be 1 to 2 days later at most. But it turns out it was a week later. I called to get this resolved. The call time was 545 central time in the evening. I tried both the customer service and new policy options. They were closed for the day on both options. Seems like they would be a pain to get a hold of if something actually came up. So to sum up: was let down on the start date and it would be very difficult to get a hold of them to resolve. I submitted a request for a refund, but I have a little hope that’ll actually get one. So I will have to pay to policies (The lemonade policy and the replacement policy, because I need a start date within 24 hours).And just in case they reply to this, it is absolutely possible to get a policy started within 24 hours. I found a carrier to do so.

#IHeartLemonade. I’ve worked in insurance - sales. Hated it. Absolutely hated it. Appreciate the need for it and have it; but hate it as a profession. And hate having to navigate all the different purveyors offering this and that and all the devilish fine print. Ones eyes begin to bleed. Then I found Lemonade. I was, naturally, suspicious of the seeming ease of it - create your profile, provide your address, whether you rent or own, have roommates or a Picasso in the spare bedroom, and viola! you’ve got renters insurance. I pay less than $6 a month for solid coverage given my circumstances - I don’t require much, and Lemonade doesn’t force me to have it nor do they try to hard sell me on it, either. Much obliged for that. If you’re a renter (they also offer homeowners insurance), have some Lemonade. Oh, and hopefully you’ll have better luck than I did scoring Maya’s number...lol.

Pet insurance good, claim process onerous. I recently had a claim processed in my favor, but the claim process was horrible. You can only submit a claim via the app, so if you don’t have a tablet, you can’t type your claim, you have to thumb it. You need to make a dual entry for every line item on your invoice: first you select the category the item belongs in (procedure? test? medicine? among other things) then thumb in the line item exactly. My claim got put into Lemonade Limbo because I simply had no idea what many of the line items were (neurological emergency), so I chose to submit it for human review. My claim got shuffled from one person to another; an app update erased part of the conversation thread in the chat; there is no way to talk to a human. The insurance is fairly priced, and they ultimately settled the claim in my favor. But if you have a complex vet bill, be prepared to spend 1-2 hours using your thumbs on your phone to submit a claim, or wait a long time (28 days in my case) to have a human look at it. Submitting a claim may be easy for those who have other kinds of insurance, but for pet insurance it’s time-consuming and frustrating.

Quality, efficiency, ease, and amazing customer service. Like a lot of others, I moved into an apartment that required rentals insurance before I was able to sign the lease. I frantically googled rental insurance and it was honestly the best split decision I’ve made. The pricing is competitive and I’ve had it for almost 2 years and just filed my first claim that took no joke 9 seconds to be accepted. The whole claims process begins in a messenger like chat and you tape a video and submit a receipt of the items stolen along with the police report number. No back and forth phone calls, just a chat that you can revisit later if say you need more time to find receipts to send over. It was incredibly fast and the whole thing was seamless and made my anxiety go from 10 to zero. Thank you so much lemonade! Don’t question getting it, just do it!!

Get Lemonade!. I am super impressed with Lemonade. This is the first year I had to buy renters insurance as a requirement from my apartment complex and honestly I knew nothing about renters insurance I just knew I didn't wanna pay an arm and a leg since I am a broke college student lol. I saw a Lemonade add on Instagram stating they had rates as low as $7.25 which was way better than the insurance our apartment complex wanted us to get priced at $40 a month. I didn’t think I would ever need to file a claim but after getting my car broken into the day after Christmas and having a bunch of things stolen, I was glad I had it. I was surprised how easy it was to file, basically it’s set up like you’re texting an agent and they do they rest of the work in less than 15 minutes. I recommend this to all my friends and anyone needing cheap but great insurance.

Slow and unreliable. If you want quick cheap insurance just to prove to your landlord you have it here you go get Lemonade but when you have a real life situation happen they take WEEKS just to give you a call back everytime I call my “advocate” isn’t available then he’s not a freaking advocate he’s an AGENT call it for what it is. I say go get with a bigger more nationally recognized reliable company I gave these little guys a chance and they blew it for me. 3 weeks after my condo was broken into I still haven’t been able to get a new laptop I WORK FROM HOME. To be honest they are not terrible they are not reliable or fast very slow service and they need more staff the app needs more options there should be a way someone can take over your case when the “advocate” isn’t there what the heck it’s like i have all my hope in this guy “James” who never answer the phone I need to get back to work. This is a small insurance company so unless you don’t care about your stuff go ahead get them but I’m never telling anyone even my enemies to get this insurance like they say if you never heard of em don’t get them.

Pet insurance is a scam. Im fully under the belief that pet insurance is a scam now. My cat is dead and I am entitled to NOTHING because she was assessed for asthma before the time I got the insurance. She was NOT confirmed to have asthma and I don’t even know if that’s what killed her, but the fact that she had any possible breathing issue (could have been just colds for all I know) means that I’ve wasted my money on this insurance because nothing was covered. I also get fake sympathy emails that are auto generated about how they are sad my cat died but I know they don’t care at all. My cat is dead and all the money I spent trying to save her is now debt I have on a credit card. To add further injury it cost over $700 to euthanize and cremate my terminally ill cat. All that money to end my cats life and deal with the trauma of it and all this insurance can do is say sorry for your loss but you got a check up for her breathing before you had this insurance over a year or two ago so good luck dealing with that on your own!! Terrible that the government made it illegal to deny coverage based on preexisting conditions but insurance for pets can still freely do it even though it’s highly unethical.

Wait until something goes wrong…. I had homeowners and 4 vehicles insured. After the initial sign-up process, they would ask for various photos of neighboring trees, photos of my roof, water heater, etc… They wound up cancelling my HO policy due to the age of the water heater. Of course they said they sent an email which I never found. The least they could’ve done was send me a letter in the mail. I found out after the fact. Despite the issues, I remained patient, and sought to resolve. We replaced our working “old” water heater at a $2600 expense and sent pictures and documents. Still no recourse to get my old HO renewed—furthermore, they couldn’t even provide a new quote for a new policy. Really?! I had my doubts about how easy it would be to deal with them regarding anything that isn’t standard. The only thing that was easy is the sign up process—after that, it’s nothing but a pain in the neck. Came close to recommending to friends and family because of the app. Ended up cancelling the auto policy, deleting the app and switching provider.

I love it BUT…. I think the app is great and the prices affordable, I only have one (HUGE) complaint. Being insured is dependent on having the app opened and working in the background… I don’t turn off my phone and make sure to never close the app, yet it logs me out constantly! It’s a scary thought because I trust that the app is running and I’m insured, when I suddenly get a text message from Maya! Then I’m wondering just how LONG was I driving without insurance?! With typical car insurance, you don’t have to confirm you are insured every time you get in your car or think about it! Is there a way that one can get a notification from the app asking to refresh it or something? Because I do understand that apps need to be refreshed… Now, for people considering this insurance… if my issue will not be your issue, than I highly recommend Lemonade.. if I can find a way to fix my issue I give it 5 stars

Convenient and Affordable!!!!. The Lemonade app is so easy to use as well as having affordable rates! It took me all of 15 minutes to sign-up, pick a coverage and a deductible. Very nice customer service as well as very informative. At anytime of any day of the week I can log onto my account and check everything as well as make any necessary changes that I may need or want. The chat option feature works fantastic! Whenever I have a question I just go to the chat feature and within seconds someone is there to help and answer all my questions regarding their services and my plan coverage. I wished they had a referral feature cause I’ve already set up a couple of family members with the company as well. They were amazed that it only took about 10-15 minutes to setup and just how affordable it is!! I’ve gotten quotes from so many other companies but the monthly payments and deductible were too expensive, I was a little hesitant at first but I said hey I should at least give it a try and so far so good!!! I’m hoping that it’ll never come to the point where I’ll actually need to file a claim but if so I feel confident that the process will be easy and stress free considering how much stress I’m going to actually have due to a burglary or theft. I have faith that we’re going to have a very long relationship. Thanks to all the developers of the Lemonade App, the name of the company is nice too!!!!

Insurance for this day and age (2019). TLDR of my review: easy sign up process; seamless claim experience; exceptional support. I hate the insurance industry. I just treat it like taxes. Just another obligation you have to pay for, and low expectation of what’s to come of it. I was really happy to find Lemonade when I moved in to my new apartment. Their sign up process was so easy, few clicks, after a few mins I was done. I was just happy I didn’t have to spent a ton of time trying to get insurance, and moved on with my day and life. Then many months later, I got my phone stolen. I was devastated as I didn’t have phone insurance. Who would have known Lemonade would come to the rescue?! Filing a claim was easy. They use AI messaging for submitting a claim which was seamless. Then I uploaded a quick video explaining the incident. A day later support representative reached out requesting additional documents. Support isn’t something I expect from an insurance company, or an early technology company to get right. I was so impressed with their level of support. My support rep Michael Aram was so responsive, efficient, and he answered my questions clearly, and to the point. He was also very personable and human. Lemonade is what insurance should look like in this day and age. All the other insurance companies are stuck in the 80s or something.

Put this off for days - but Lemonade made it fun!. I recently got a new apartment and needed renters insurance. I dreaded messing with it because it was yet another expense to mess with. I went to find a company today and something drew me to Lemonade (maybe it was the name and hot pink logo, shout out to the marketing peeps)! Anyway, it gave me quotes within seconds and this app is one of the best I’ve ever seen. They made it so much fun and easy and I got all set up within seconds. I sent my paperwork to my dad for him to see and he said “Lemonade? Lol.” I told him don’t knock it until he tried as he owns many rental properties. When something is really cool, I want to share with others about it! If you’re reading this and curious about going with this company - I say definitely do it! Also they give money to charities which says a lot about the people this company. Anyway, shout out from Texas and I’m happy to be a new customer!!! Yay

Terrible for pet insurance. I signed up for the pet insurance. I The process of submitting a claim is tedious. If you are used to your vets office taking care of everything for you or even just simply scanning in your invoice, then beware that Lemonade is VERY different. You have to itemize each claim (each item on the invoice and the amount), submit the invoice (either by taking a photo or sending via email). For illnesses, you have to record a video (a bit much) as well and they also want you to submit the doctor's notes. You also have to enter your bank account info and your SSN EVERY TIME and sign that you are telling the truth each time. If you go for a wellness check up and the vet finds something, you have to enter 2 claims, one for wellness and one for the illness they discovered. I thought I was paying for a service, not just a product. I did not read this anywhere before I signed up with them so I thought others should be aware as I regret my decision. Submitting claims needs to be easier. Spending the weekend doing this instead of enjoying my dog. Also there is no way to see your claims history. Terrible!

Easy, fast, cheap and convenient. Last year, I bought life insurance from a long, established multinational company. The process was a nightmare. I first attempted to get a quote online but the website directed me to contact their agent. Then, after speaking with the agent, I had to wait a few days for the agent to generate various prices based on different combinations of terms (5-15 years, 250k-500k). After I selected a specific term, I then waited a few weeks for the agent to ask another representative within the company to draft an insurance contract for me to sign. Overall, the process took 2 weeks and I spent hours playing phone tag with the agent. Last month, I bought life insurance through lemonade and the whole process took literally 15 minutes. The lemonade app allowed me to toggle various terms to generate a specific price. The contract was immediately generated within seconds after I had selected a specific policy. Probably the best part is that I didn’t have to deal with and wait for an agent. Lemonade simplified the whole process and made it very easy and convenient—not to mention the rates are very competitive. I’m planing to switch my car insurance over to lemonade whenever it’s offered in my state! My only feedback is for Lemonade to offer flood insurance so I can switch my home + flood insurance over to lemonade.

Being charged 2 different addresses. Updated: This issue has been fixed and that’s good I really appreciate it, I do think there should be a system in place when you’re moving and need to update the address When you move and you set up your new address with the automated system or “Maya”, it doesn’t do a transfer, kinda misleading. Instead It simply adds the address to the account, I just found out I’ve been paying for an address I don’t even live at since June. When I tried to contact support they told me to just go remove the address manually off of my account. I have no problem with that but when I asked about getting credited on my current address since I’ve already paid that money or reimbursement of some kind the basically ghosted me. I’ve been speaking with a rep named Hannah I asked about the reimbursement on the 14th it is now the 17th and I still haven’t heard anything from lemonade. I know there’s covid delays but I was able to get a same day response to remove the 2 address myself but not with getting credit or reimbursement? That’s the weird thing to me.

Avoid for Pets!!!!. I have given Lemonade two stars because the draw of using an app for insurance is warranted, and has great functionality. This app was super easy to use, however, not good for pet insurance and what they offer versus what they pay is not what you want if you have a puppy. Dogs, especially in their first year, have multiple vet appointments with several rounds of vaccines, lab tests for worms, and flea/tick treatments. Even if you purchase the wellness add-on package which I did), it’s not enough coverage. After my second wellness visit (and nothing out of the ordinary) I have already run out of the allotted reimbursement this insurance provides. I spoke with customer service and all they did was apologize and assure me they are working to continuously add more coverage options in the future. Great! More options to pay in without paying out, and that doesn’t help me now. Again, Avoid Avoid Avoid especially if you have a new dog and expect frequent wellness visits for routine checkups.

Gus! Gus! Gus!! Okay Lemonade too, but ask for Gus!!!. We had a horrific situation which displaced us from our dream home turned nightmare. I reached out to Lemonade to see if there was anything they could do to help us?! My first answer was the expected “I’m sorry that’s not covered.” However, Gus said “you know what, send me what you have to substantiate the claim and let me run it up the ladder.” So, I did. Next thing I know, I get an email from Gus telling me that due to my circumstances that this would be covered! I almost fell outta my chair! Seriously!! Everyone had told me that their insurance companies had declined similar claims due to them not being covered. Gus immediately kicked into high gear as he “really wanted to start reimbursing me.” I’m sorry. What??!? The very next day, I had my first reimbursement. I was stunned, and thought this was just “the honeymoon period” and I’d eventually experience one of the nightmares experienced from other companies. It never happened. I would submit receipts and the money was back in my Acct the very next day. I honestly think I just lucked out getting Gus. However, credit where credit is due, Lemonade, although the name makes you think “small potatoes” is anything but!!! Thank you! Thank you! Thank you. Especially you Gus: Thanks for making me feel like I was the only client that Lemonade had. Mad respect. Sincerely, Kpr (Kevin Parker Robinson

Easily the best app I’ve downloaded in a long time. I’m an iOS developer myself, and please believe me, this app is simply delightful. It is fluid, fast, animated, and pretty, and it was ridiculously easy to get a policy (that seems high-quality) very quickly. Everything in the app is clearly laid out and makes it very obvious exactly what you’re getting and exactly how much you’re paying. The app EVEN takes Apple Pay as a recurring payment option; it literally could not be easier to get insurance through an app. On top of all of that, Lemonade donates unclaimed policy money to charities of our choosing. I mean are you kidding?! Are these people saints? This is what I needed to make 2020 better. No I am not a bot or paid Lemonade employee; my name is Cliff Panos and you can look me up. Huge thank you to the Lemonade developers and Lemonade company as a whole!

Don’t be fooled by the nice looking app. Lemonade is extremely disappointing when you actually need to file a claim. I was reading the other reviews on here and most people state how easy it is to sign up, it’s user friendly, the chat is easy (which is a robot…) etc. But when your pet is actually sick, they make you go through a long process, they tell you one thing and when you follow up they tell you what the other person said was not accurate and now they are looking into something else. Even though I pay $50/month to cover my dog for years, they are really looking for an excuse not to cover my $200 claim. (They easily cover small claims that don’t reach the deductible but as soon as your getting close to reaching it, it’s another story).The “advocates” they assign you are demeaning and make you feel like a criminal. They also don’t answer in a timely manner and love to tell you how they have 30 days (not including weekends and holidays) to review everything. TRUST ME, it is easy to sign up and the robot on the app is responsive. The actual people, however, are rude, condescending and try to make you feel small while they try to twist words to not cover claims. I strongly suggest to do your research, do not just sign up for Lemonade because the app looks nice. Research other companies. I work for a residential company and will never recommend Lemonade again. Totally fraud and misleading.

A complete and total scam. My car was stolen from the garage - later recovered. What was not recovered was my work bag with all my tech in it - not only did they add unbelievable hoops to jump through to a phone system you get use to talk to anyone ,If you do get them and you sound just a little spit angry they will claim that you verbally abusing them and hang up even to your protests. They then had a special investigator tell me that I was committing fraud by using someone else’s Social Security number until I sent them my Social Security card my license my passport a picture of my very angry face background check I recently got for work that just happened to beyond hand and then she said if I contacted them again it would be harassment I’ve been asking for an insurance license number for literally a month no one can seem to provide it but they are magically I guess going through with my claim only paying a fraction of what they owe do yourself a favor steer as far clear of this outright scam as possible *don’t be fooled by their response- they are aware , check twitter and all this company does is try to keep face

pet insurance does not actually cover anything. in the process of trying cancel the pet policy i have on my dog. they rejected a claim for an appointment made AFTER the waiting period and then deemed it a pre-existing condition and ignored me trying to tell them that it’s not. they weren’t even open to a conversation about it and glossed over my attempts to discuss it. all they had to offer for customer service messages were apologies that i had bad experiences but no actual attempt at remedies for the situation. thanks for giving me anxiety attacks over my finances for weeks!!!! now i need to figure out where to get money for my pet’s medication since they’re trying to scam me on my refund too, even though i am well within the cancellation period set. i’ve heard great things about Lemonade, but i honestly can’t see why anyone would like this service besides the cute animations in the app. please look into customer service and relations, it needs serious improvement. a real conversation would have probably kept my business with them, but if they treat me like nothing once they will definitely do it again. my disappointment is immeasurable and the last 3 weeks ruined.

Awful Treatment of Animals. My lab was diagnosed with lymphoma and it really hurt our family is more ways than just the sickness I didn’t have insurance, so as I’m paying for his treatment out of pocket, each week he has chemo and the week after he has blood work. I took out the most expensive plan lemonade offers for my SECOND dog ( terrier) bc of what we went through with my lab.. never again I told my self, would I be stuck in that bad situation where you may not be able to pay for treatment. After a few months of paying my premium my terrier had a health problem and the vets couldn’t find what it was for 3 weeks, she ended up hospitalized for a period and the bill was $1500 and under my lemonade plan it shows clearly what’s covered. This health problem was new so no way you could say it was pre existing. Lemonade dragged out my claim for 2 months always making excuses to not pay my claim, after all this I stilll paid my premium bc I trusted the process until they emailed me to tell me they are suspicious of my intentions to illegitimately try to hide my pets chemo treatment!!! I was stunned, how could you make the mistake of mixing up two dogs of different age, sex, breed, and name?! I emailed them back telling them “wrong dog” and they blocked me

Total scam. There are so many loopholes and ways that they can get out of paying you and the first thing I received after contacting them about losing my car keys was an excuse. Then after I finally called I received a follow up email saying that any legal action would be useless against lemonade because I have already signed their agreement when I started my policy. I am a hotel worker a bellman and I make minimum wage and work for tips in Los Angeles one of the most expensive cities to live in and throughout the entire pandemic I kept lemonade insurance because it gave me confidence about my stuff you would think keys our stuff but there are so many loopholes about keys. I understand that there are probably a lot of people who try to take advantage of this but I’m not that person and I’m not going to pay $20 a month/$10 a month extra to have no deductible. Auto club offer is basically the same service and it’s much more reputable and defined. I can no longer recommend this service feel bad for all the people I have recommended the service to. Pretty much every time someone lost something in the hotel I would recommend the service to them sometimes I would even show them the app on my phone

Horrible communication. To preface, I pay for pet insurance on my two cats. I have only been in touch with one very kind person through this company and it was over a minor issue (they doubled the last name for some reason which got fixed) but I’ve now been in contact with 3 different people trying to figure out how to upload my second cat’s precious records and not a single one has helped or explained how to do so. Not to mention the fact that when I reach out several times stating that I do not have my first cat’s medical history, as he was taken to his first vet visits by a family member I’m no longer in contact with and have no idea which vet he was taken to, I am completely ignored. I’ve been left hanging twice now. The first person just copy and pasted what the app said and both other times I was never answered. If I don’t get some answers I’m not paying for this anymore and I will find somewhere else to insure my fur babies. Update: They told me to email them the records. Are you serious right now??? They didn’t even read the review! Just saw a one star and tried to shove it all under the rug. I’ve sent 4 emails in total now. This is absolutely ridiculous.

Terrible. I was really impressed with Lemonade when I first subscribed. I switched from my previous renters insurance, Jetty, which I HIGHLY recommend, because I loved that Lemonade was in app form, unused funds would be donated which is awesome, and I would be saving. Little bit of money each month. Well then I unfortunately had to make a claim when my backpack with laptop and iPad was stolen out of my car. I made the claim in APRIL! It took months for them to finally deny me. I had to constantly reach out and ask for answers about my claim. The only thing I can think of on my end that prolonged their investigation was when they asked for phone logs from me it took me a few weeks because I was busy with my best friend’s wedding and a few other things. I have them a few weeks later and then never heard anything for weeks. Then I find out they closed my case and my claim was denied. I will make sure to tell everyone to avoid Lemonade at all costs! Spend the extra few bucks and use Jetty insurance, I regret switching so much! Update: Seemingly a couple days after posting this i received an email saying my claim was approved. I changed my 1 star rating to 3 stars as thankfully I received the funds I needed, but the process took nearly 3 months and was extremely difficult and trying.

Don’t be fooled.. Don’t be fooled by the cute app design. It’s cute until you have to actually use it to file a claim. I had to file a claim back in February due to a fire that occurred a few floors above my unit. My unit and several others resulted in a floor due to the amount of water that was needed to put the fire out. We had to be evacuated, and had to stay at a hotel until further notice. We’re now approaching the month of April, and have not gotten a response as to when we’ll be reimbursed for all the hotel expenses, and damages. This whole experience has been stressful and has put me in a financial crisis. Good luck in even speaking to actual person. The only way to communicate with them is through a bot. I hope no one has to go through a disaster while being in the hand of Lemonade.

Great Claims Experience. I am a fairly new Lemonade customer, and had a recent theft of an item I bought Extra Coverage for. The longest delay in the process was the police department releasing the report (two weeks), not Lemonade’s fault at all. As soon as I was able to obtain the report and pass it along to Lemonade, my claim was paid the same day, which was very impressive. There was a minor initial mixup on the amount that was approved, and some frustrating back-and-forth emails that didn’t resolve things, but the very next day someone called to listen to my concerns, and just a little while later my claims representative had corrected the mistake. Last night I was reading the reviews on here and people were mentioning the 5 stars were from people who have never had to file a claim, and everyone else was a 1 star because of an issue with the claims process. I thought I was going to fall into the latter category, but am pleased to say I now fall into neither, because even after going through the claims process (which is something that all of us hope to never experience), they have earned 5 stars from me. I am a very happy Lemonade customer. Thank you Alyssa and anyone else who helped resolve my claim.

BEWARE!. Do not believe all the 5 star ratings, Unfortunately they have been so inconsistent and rude, very unprofessional and have mis handled my claim so far I made for a theft, and all they do is keep playing PASS around with me to different agents and I literally have to wait 2/3 days for one response and when I was asked to provide any thing I have done so promptly then when they literally TOLD ME OVER THER A PHONE CALL They were depositing that day (2 almost 3 months later) I am then in disbelief that I call to see what the heck and they again tell me they have more questions and even after I have brought to there attention that they from the start have broken many laws “bad faith” its just what they are acting in. Simple plain and simple. If I had known how shady they were I would have chosen STATE FARM, And maybe I would be able to save so much emotional stress and all the hours I have been consumed from just trying to get ahold of them!! I will be contacting legal agencies in near future, im done with warning them, I know my rights and IM OWED MORE THAN JUST MY CLAIM NOW I FOUND OUT FROM A ADVOCATE TODAY.

Incredible service, value and team!. I'm writing this review to commend Reese in his handling of my recent water damage dilemma. My apartment in New York experienced a water main burst followed by 12 hours of ceiling, wall, and light fixture leaks. It was an absolute disaster. Not only was the Lemonade interface easy to navigate during an extremely stressful time, the prompts, guide, and call (within thirty minutes no less) left me completely empowered to handle the situation. Reese was extremely helpful, wired me $500 to start to fix the situation immediately, and through the subsequent week helped me get back on my feet. I am so grateful to Lemonade for guiding me through a foreign process during a stressful period. This product is a life changer and I do not know how I would've endured rebuilding, throwing out half my stuff, and starting over without this team. Thank you so much!

The app and service is amazing!. It’s one thing to have a user friendly app and good rates. It’s a whole other thing when you have a claim. My apt building caught on fire a few months ago. They did EXACTLY what they said they would do! The didn’t nitpick or split hairs. They were fast in reviewing and getting me squared away. My place was unlivable for a couple months and they made sure I had accommodations. When I finally made it back and my possessions were falling apart because of water damage, I was not falling apart because they were covered well enough that I could re-purchase the items I lost no sweat. They were very responsive and pleasant - even through my meltdowns (my computer and PS5 got wet so you get it). I cannot say enough good things. If you are thinking about it I encourage you to just do it.

Made the best lemonade I’ve ever had!. I have been telling EVERYONE about Lemonade. I don’t know how, but, getting insurance through your company is actually FUN! I have never had so much FUN doing a chore that typically involves a boring Q & A. The app really made me feel like I was getting insurance through a friend. I smiled with the shout out to my horoscope sign after entering my birthday, I loved the “making lemonade” process when getting the quote, and (because I have a future date for the policy to start) I absolutely adore the countdown. I look at it almost daily and become even more excited for my move (and I really don’t like having to move so this is really helping). The use of unclaimed funds going to charity actually makes my heart melt. By providing freedom to choose what organization you would like to contribute to truly makes me feel like I am giving back in some way, and it is beyond noble and inspiring for you to use that money to help others turn lemons into lemonade. Also, your customer service has been impeccable. Every question I have had has been answered quickly and by a friendly representative of the company. I don’t know much about the insurance world, other than we need to have it, but, you make me want to work for you!!! Where do I sign up?

Scared to Need It. So my husband & I have been staying at his sisters since his surgery, she has a 1 level house and we have a 3 story condo so it’s easier on him to stay there. The other night a neighbor reached out to tell me that someone was trying to get into our house, thank goodness he managed to spook the person off while walking his dog (pit-bull). It got me thinking what if he had gotten in.. everything I/we have worked so hard for is in our house. So I decided to take a realistic look at my policy. Then I thought well let me check out the reviews see what others face when filing a claim... I’m sad to see what they’ve gone through & just how difficult it is to actually access the insurance they’ve paid for. Like pets needing medical care & being denied for pre-existing conditions, others not taking pictures immediately & being denied for it, others are denied for not having receipts, uhmm I don’t have receipts either. Literally the only receipt I have is for our new tv. It’s all so disheartening. Makes you wonder what’s the point. Well.. with all that said I’ve lowered my amounts significantly since I’m paying for something I’ll never get heaven forbid I need it. I’m going to start looking for insurance that has better customer satisfaction!! Oh yeah... & receipts.. I think it’s time to start saving receipts!!

No stars. BUYERS BEWARE. So this is an update on my current situation with Lemonade which I’ll be canceling today so they still have not approved my claim they’re saying it’s closed yet when I go on the app it says it was approved because they gave me a measly 250$In the beginning as a good faith as a they sayBut in reality it’s just so that they could say that the claim was approved so that they look good on themselves so I’m actually hiring an attorney and I’m going to sue them this is a joke company. when there adjuster came out he said he was gonna aprove everything now when I talk to Evan who was my claim adjuster, he should really just be an email Adjuster because he never even pick up the phone or Called or had any kind of human contact because he’s more of a robot so long story short he actually asked me if the adjuster got up on the roof which we all know is such a liability he didn't even know if the adjuster he sent out got on my roof. I had to pay two companies to come and do an estimate a detailed estimate a seven page estimate on my roof showing that it was the roof that damaged my home now I have a five-year-old that does not have a room and they still don’t care and I call every single day but today I’m putting my foot down I’m canceling I’m going with a legitimate company and I just don’t want this to happen to anybody else so please skip over Lemonade! And I’ll put an update after I take them to court

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This is how insurance should be. Worth while trying ...

Not available outside US. Not available outside US, but excited by the future disruption this will cause. Bring it to Australia!

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Not available in Canada. If you can’t use it in Canada why is it on the Canadian App Store? It doesn’t even tell you it’s not available in Canada, it just starts the application process and then doesn’t recognize you address, but doesn’t tell you why. Total user interface failure there.

I couldn't register. I couldn't register

amazing 🙌🏻🙌🏻👏🏻👏🏻. I needed to get renters insurance and this came up in my search results....10 min later I have insurance coverage. So easy and they give back to charity. This is revolutionary and I highly recommend the app!!!!

Easily the best insurance experience ever.. Finally.

Switch and Be Happy with Your Insurance. I wanted to say THANK YOU to Giacomo in the EU claims team, for his kindness and thorough approach for this situation with a lot of emotion.

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Claims take forever! Bad faith insurance. I normally don’t write app reviews but Lemonade insurance is a total SCAM. Here’s my experience—I switched both of my pets from another insurance for the user-friendly app and competitive price lemonade provides. However my first claim took 3 weeks and still ongoing. I provided full medical exam for both of my pets and they are healthy. In addition to uploading invoices I was requested to sign a pledge of honesty, as well as record a video of myself describing the claim. After providing everything requested, Lemonade team kept asking for additional information and the claim “advocate” does not advocate at all. Instead she asked for approval and then additional information and then multiple calls for a simple eye discharge claim of under 250 dollars. I’m still waiting for my claim to be paid after 20 email exchanges and a complaint to CA Dept of Insurance. DO NOT fall into the trap of a nice app like me.

Awesome insurance for Pets!!. I have used quite a few insurance companies, most of which I’ve been scam artists. I know insurance companies make money off of billing you and hoping that you don’t need the service however, Lemonade has been amazing. I just recently used my preventative care for my pets, yearly visit I submitted my claim 24 hours after and my claim was approved immediately. I was provided a receipt showing the 80% coverage and I had no issues. I was even paid when my vet was not included on their list I couldn’t recommend this insurance company more if you need one that’s gonna be there for you when you need it the most Lemonade…. 😻

Never again. I will never use Lemonade for any insurance again. I’ve been a customer for years, never filed any claims so there is no review on that aspect of their insurance. My issue is that their customer service has gone downhill. Their bot is ridiculous and unhelpful, you spend minutes just getting routed to a team member that takes days to reply. Before I got car insurance, I inquired about how they track driving when you’re a passenger. They informed me their technology was smart enough to know when you’re a passenger so this would not affect insurance metrics. That was an absolute lie. I work remote and rarely drive, except I am often a passenger. There are thousands of miles overestimated on my renewal driving review. Which even for being a passenger, is not accurate AT ALL. I would never trust their system again. On top of increasing my policy every renewal, even though I rarely drive and have NEVER filed any insurance claims, they frequently charge extra transactions without explanations. There is no option to remove your card from their system. Cancelled and my policy was ended at midnight but they still charged for the whole day after midnight, that is ridiculous and will be filed as a chargeback.

Incredible service. I’m not on to write reviews but I really was inclined to because of my own personal experience. Since day one of purchase I was impressed with the easy straight forward policy process. I recently placed a claim due to a water leak and became displaced due to extensive damage. Immediately assigned a claims adjuster. Reese at Lemonade contacted me and was empathetic to my situation, he provided clear instructions of policy coverage and provided me with immediate funds to help cover temporary living and meal expenses during restoration period. He made sure to always be readily available when I had a question or just to check in and give me assurance lemonade was here for their customers. Under these unfortunate circumstances, I’m so thankful to Reese and the entire Lemonade team. This company stands by their product, their members, and their charities!!!

Feedback from a real customer. I have to say this is hands-down the best experience I’ve ever had with a property and casualty insurance company. Signing up as a breeze, although the process of uploading your items first is a bit cumbersome, the chat bot could be done away with as well. As someone who has been to the claims process it is really simple to get your claim started, with no issues on the user experience side, and then even further, which was a surprise, There is a human at the end of the line who handles your claims process and if you were truly really organized and have all of your receipts and ducks in a row and no the coverage, you should not have any problems with this company.

Best and most convenient home rental insurance!!. I’ve had nothing but good experiences with with this company. Not only is Lemonade super easy to use and quick to set up, but covers a variety of practical issues at an incredibly reasonable rate. Moreover, they handle cases very quickly and are the most reliable insurance company Ive ever dealt with. When I had my laptop stolen, filing a claim was super simple and they quickly reassured me and refunded me the whole price. I looked more into the coverage and saw that there were so many things they covered and felt incredibly safe after. Thank you for being so honest and straightforward! I wish more insurance was like this.

DO NOT USE! INFORMATION COLLECTION SCAM. Followed the AI prompts to apply for life insurance, LOTS of extremely detailed questions and every sensitive bit of info about you that you can imagine. At the end I waited minutes to be told “We don’t have any insurance plan for you due to a health answer you gave”. Doesn’t explain which or why. Doesn’t say why I continued to be asked dozens of questions past the health section. Tried to chat with a human (only option). Waited for an email reply that said - Yes, no plans for you. Can’t delete or terminate the account you created “because of certain laws and rules”. Then said “You can reply and tell me why you disagree with this, but it won’t change our ability to erase your account. That’s impossible.” This is the world in which we’re all supposed to be so hyper concerned about our data footprint and privacy. What a joke.

Not sure About Rating. This is just my feedback from a potential customer. Downloaded the app and got a quote. Not bad at all in pricing in comparison to my current insurance company.. say $4 less by Lemonade. Attractive indeed. However I’m talking about Statefarm here (a company known for excellent customer satisfaction). Lemonade’s marketing tactics is what scares me “Super Payout Fast” etc.. Sounds to me their marketing tactics is going to be inviting lots of fraud. And reading all this 5-star reviews, I become a bit skeptic. Many sound too excited to be real. Maybe it’s just me but it kinda throws me off on how many people and what type of claims they are doing. Somebody files a claim for a coat? I don’t know. I will wait a bit and keep checking this company out. As for now, it seems like just another groundbreaking tech startup with nice product, but whose business concept is same as traditional insurance companies with fancy marketing coverup. I’m pretty sure the rates are going to go up eventually. Just like Metromile for cars. *4 Stars given simply for a beautiful app product. (can’t give a 5-star without haven’t tried the service)

As a first time renter, I want to say thank you. Thank you so much for this insurance option. As a first time renter, it is overwhelming already coming out of school with crippling debt and trying to have a better quality of life on wages that don’t match the costs of living. This insurance keeps my apartment management happy, keeps me and my so out of spending the hundreds a year we were doing, and gives us the transparency we want with companies going forward. This was one of the best investments into a service that provides us a better state of mind and quality service. Thank you, we hope to be lifelong customers and find more companies like this to put our money into.

Awesome Pet Insurance Process!!!. I have Renters Insurance through Lemonade and as Pet Insurance was important for me to have, I decided to go through Lemonade as well. My claims adjuster Rachael was so helpful from the get go and was able to have my claim approved in a week! No push back was given and everything that was listed in my policy was covered with no hesitation. My advice to all pet owners is to get pet insurance!! You never know what can happen and having insurance can help you save their life. I 100% recommend Lemonade for coverage! Fast, easy, and great customer service as well by people who care and empathize with us about our fur babies during difficult times 🤍

Will Never Use Lemonade Again. Yes Lemonade is affordable. Yes their app is friendly and easy to use, however, the claims department will give you the run around on the correct status. My apartment was deemed uninhabitable due to a fire and they would tell me the vendor hasn’t sent back an inventory list of damages. Or they won’t respond to emails or calls. I then speak with the vendor who comes out to view your property they advised they have sent everything back necessary to move my claim forward however my adjuster and their manager lied and said they have not received the information. I’ve never been through a fire before and this has been the most traumatic & stressful experience especially having little ones and needing to find a new place. Next time I will go with Geico or a different renters insurance company. I wish I could give 0 stars.

Unbelievable!!!!!!!. Wowwww I never ever expected we are having such a super amazing ((Lemonade Insurarnce)) and I know you don’t believe it if you have not started to go inside of their great system with super great and easiest instructions when you apply for it online, and then when you got your account with them look at Lemonade lovely service app .... Ohhhh my God I didn’t believe it and in the beginning I was a little bit nervous because I thought this is a scam website but it’s not scam at all. So guys this is the best real and lovely ((Lemonade insurance)) in my knowledge and I will recommend to any one who ask about home and renter insurance! Thanks for your wonderful service.

Garbage Insurance but try at your own risk 🤷🏽‍♀️. I’ve tried giving Lemonade a chance twice. My first experience in 2019 they didn’t offer insurance in my area so they dropped me. Okay fine. Could they have told me this prior to signing up? Yes, but I wasn’t too upset. This year, 2021, I decided to give them a second chance. Alright so everything is going smooth and their building my trust as a good insurance company. Then it happened. I first get billed my normal billing amount and next thing you know I get a email stating I’ve been dropped due to “suspicious”activity. Mind you, I haven’t once filed any claims and I made sure to read and follow each step carefully when signing up. So what suspicious activity could they have possibly picked up regarding me??? If anything is suspicious, it’s them billing me before dropping me. Try lemonade at your own risk but do remember what I’ve told you. Hope it goes well for you at least.

Not worth it. I submitted a claim this past Sunday due to my Laptop and iPad being stole from my car. I have gave them every documentation they asked for and even went above and beyond to go the extra mile for additional documentation. This is apparently not enough. I use these two items for my Job and I’m going into day 4 without help. (I was told this would be finished today) However they messaged me saying they have to investigate all discrepancies - I literally turned everything in accurately and they have made me feel like a liar. So now I’m looking at a probable denial or even if the slightest chance they decide to approve it could be another week. It is definitely not true when these “claims” get handled within a few hours. I have never had this problem with any insurance and now I’m sad I’m switched. I will NOT be recommending this insurance to anyone.

Leaning into Lemonade. Everyone should have a lemonade policy. Especially if you cannot afford it.. it literally provides an instant boost in your standard of living if you take advantage of all Lemonade has to offer. Change the way you think about insurance and change your life for the better.. instantly. There is absolutely no product like this available anywhere else , personally I plan to keep a close eye on when Lemonade has a public offering. So who knows maybe they’ll come to be known with the ticker symbol “LEMON “ would would be ironic because their anything but! Get in on the ground floor of something life changing today. B. McDonald Granada Hills CA. Age 41

Claim process was as smooth as could be. My car was broken into in Christmas Eve. Christmas presents, laptop, and other items were stolen. Lemonade made the claim process as straightforward as I could have expected. There’s a great automated chat through the app to get all the initial details, then I was assigned Alexia as my Claim rep. She reviewed everything, asked for a handful of additional information and documentation, which was all very clearly laid out and totally reasonable. I replied and had my claim approved 3 days after submitting the initial claim (which included the Christmas holiday). The process was easy and as smooth as I could have expected. Stop thinking about it and sign up.

Not recommend. my car got stoped in the middle of the highway I-435 I wanted to tow my car to my friends home nearby which is 6 miles away where my car gave up on me , I tried calling the lemonade team in everything way possible for help though call , mail , text even by lemonade app . I did not get any response for your team infact some how I tried to call and one of your team members and they answered me that I don’t even have the full insurance so they can’t help me . I was like what I paid $600 for my insurance . I was in a situation in the middle of the highway at 6 pm and none helped me out . So i have requested for my insurance policy details in which it was clear that I have towing service which I can use , but that did not happen when I requested towing service through app I didn’t even get any response . I just got a message when i replied to that no response . So at 9 pm I had to call the towing company and pulled my car which costed me $180 . What’s the point of taking the insurance?

VERY easy interface & UX. I’ve always loathed having to deal with insurance companies, like banking and other older industries, my experience with insurance companies has been dealing with loads of paperwork and fine print, very clunky and annoying websites, and being kept on hold and transferred endlessly on the phone. Lemonade is a breath of fresh air, the UI/UX improvements go such a long way. It feels like I’m ordering an Uber or DoorDash. I’m currently having to deal with a ton of changes to my address, banking, etc. And it’s so noticeable how quick and easy dealing with Lemonade is relative to the other companies/gov that I have to deal with right now. So much so that I’m leaving this review. Use lemonade and eliminate some complexity from your life.

House fire. I was involved in a multi unit house fire. Most of my things were smoke damaged and I had to throw away pretty much everything but a few sentimental items. From the first day of the fire, Ashley M. from lemonade set up a hotel for me to stay at. From there, they sent out an investigator to review everything that was damaged at my place. Everything went very well and smooth, and lemonade kept me updated over the month period it took to get everything figured out. Lemonade fully paid for all of my food and hotel stay until I figured out a new place to live. They worked with me and were very professional throughout the entire process. I would highly recommend lemonade. Knowing that I will be taken care of for any future unknown disasters or accidents is very comforting. Thank you guys!

Lemonade, the business, came through for me in a time of need.. My car was stolen along with everything inside. Lemonade helped make it right for me (for the things inside the car). I know this company has spent thousands of hours just trying to make things a little easier to people who may have gone through a shocking or stressful experience in their lives. I have been a renters insurance customer for several years and I’d happily choose lemonade for my homeowners policy as well. To the team at lemonade who said “let’s do the hard job of making things easy”, thank you. I work in tech too and I know just how hard and deliberate that process is.

Cancelled Policy During COVID-19. Lemonade cancelled my policy during COVID-19. A national emergency. Does your company realize that nearly half the country is jobless? I lost my job and my partner lost his job. Now I’m without home insurance? I never even got a cancellation notice. If I had gotten a cancellation notice, I would have went to whatever lengths I needed to keep my bill current but I get a single email AFTER my policy was cancelled. Even the electricity company is giving longer extensions! You know it’s bad when the electricity company has more compassion than your home insurance. Not only is Lemonades actions disappointing but they are unethical. I hope your company is ashamed. People deserve better. People deserve kindness.

Lemonade saved me from financial ruin (not kidding!). When our apartment flooded (due to a Big Dumb Mistakeᵀᴹ I made 😬) the lovely people at Lemonade tirelessly advocated on my behalf and bent over backwards to work with the apartment complex/insurance companies of others affected (🙈) to ensure I didn’t need to pay a cent out of pocket for damages. They literally saved me and I am eternally grateful for them!! They also promptly reimbursed us for our hotel stay which was so appreciated. I seriously can’t say enough good things about this company. Through the whole process, I was shown compassion in ways I never would have felt from one of the big name insurance companies. I will be using Lemonade for life!!

Just switched from Assurant. After being with Assurant for 2 years.. there was horrible communication about renewing my policy. I decided to switch, instead of renewing. The signing up process with Lemonade was an ease, and compared to the other quotes I was getting, this was most similar to my Assurant pricing... When downloading the app, I began to look at the reviews posted here and it makes me a tad bit nervous. Prayerfully, I never have to file a claim, I had USAA for a while in the past, and was never burdened with appraisals, and serial number during my claim process, and with Assurant thankfully I never had to file a claim. Hopefully this is a great company to protect my valuables that I’ve spent my hard earning money on (:

Best decision I ever made. I seriously cannot say enough good things about Lemonade. It’s super quick and easy to set up, incredibly affordable, AND you can donate extra money to the charity of your choice. About a year after I started using Lemonade, someone broke into my mom’s car while I was home visiting family, and stole my laptop. Lemonade made filing my claim incredibly easy and low-stress, and they approved it basically instantly. Weeks later, my mom is still waiting for an offer from her insurance company. Meanwhile I was able to return to school two days (!!) after the theft with a new laptop, ready to get back to studying. Lemonade was seriously the best part of a terrible situation.

Lifesavers.. With the amount of protection that you can receive from a single, easy to use app, along with the fantastic lemonade team who take care of all of the emails and claim process are so efficient and good at their jobs that it makes your bad luck( as in the case for me and my photography gear) not hurt so much. Along with the medical coverage for guests at your house and even the dog bite coverage , those are very important to us because our dog honey isn’t very friendly to guests. Great for small families that need a back up plan as well if any living accommodations go sideways, the unlivable housing insurance is crucial to staying afloat. Thanks lemonade. Keep donating to great causes.

App needs improvement. Love lemonade and how accessible and easily digestible the language of their policies are! The set up is simple, the policy is easily understood. The bundling is clear, the reason for 3 stars is a matter of their app development. The app leaves more to be desired, for example: I’m trying to use the “help” icon to chat with their auto message bot, and though it prompts for the “how can I help you?” The keyboard does not come up with the text box therefore I am unable to type what I need help with. There is no alternative for assistance/point of contact either. Wish there was a customer service line to call instead but that isn’t an option. That’s one area which a larger or more traditional institution may be preferred, as they have multiple access points for contact regarding policy rather than this one.

Told Me They Weren’t Available, Then Kept Charging. Lemonade is quick and easy, and I truly believe they offer a good product. However. If you move, be aware. I went to my policy and asked to change the address, and Lemonade replied that they could not offer me a plan to cover our new place because of distance from a fire station. I totally get it and no problem. However, I assumed that meant I no longer had a Lemonade policy, until a new charge popped up in my account. It’s a Sunday morning, so I haven’t been able to reach them to get this resolved. You should be aware, though, that even if they tell you they can’t cover you after you move, they’ll keep on charging for coverage at your old address.

Some things about it are really inconvenient. It’s affordable and easy but when when when when when are you guys going to take cards hooked up to online banks? Like a cash app card or uber card? I have my direct deposits going into those there is real money in there. It’s a real inconvenience that my policy had to get cancelled because i have a card you guys didn’t take. I’ve brought it up to the Lemonade team so many times and every time and nothing gets done about it. Do you guys not care about our suggestions when we really need and want to keep our policy? My policy was only $7.42 and i couldn’t pay it because I was in between “real” banks. That’s not fair. It worked out because I moved and now my policy is somehow $5 so works out for me giving you guys less money 🤷🏽‍♀️. But still so dumb because it’s required in Texas.

Not enough information. This app is great for people who know how to read policy coverage and exclusions. It offers ease of use and convenience. The very nature of insurance lingo can be quite confusing (I’m a licensed insurance agent in California) . The only thing that worries me about this app is it does not thoroughly explain what each coverage is. For example- I saw a review saying their personal belongings came out to being $1,000. This app SHOULD have prompted the customer with a note saying “sure, you’ve gotten your money’s worth/great deals on all your stuff. But if it were to ALL be gone- how much money would you need to go replace everything you own?” It should explain replacement cost vs. actual cash value etc. it’s convenient and quick but it doesn’t truly give the client every tool they need to fully understand what they’re paying for

Can’t wait for the AUTO INSURANCE!!!. Will stick with Lemonade forever if they’re not going to change their spirit! It only takes me 5 mins to purchase my first term life insurance for my family and the process is so smooth (Please understand that I am tired to talk to insurance broker since they only stand for their own benefits actually). I even raise some questions after the purchase since my parents (the beneficiaries) are not located in the U.S. Have never expected that fast a response from customer service can came in, in today’s America. Not to mentioned that with great attitude and was really helpful. TBH My original intention is to get the auto insurance. Quite disappointed that they don’t have this offer yet. Can’t wait to increase my premium with adding auto insurance! Hopefully can add the home insurance someday with Lemonade too! (After getting a house lol) This is not a traditional insurance company. It’s more like a platform which grow with us and stand for us. Overall, good job!!!

Needs better customer service. My elderly mom signed up for this service but has recently been panicking because the mortgage company doesn’t have a record of the insurance policy. We kept asking to have lemonade fix it, but they could never fix it directly. They’ve always just gave her the pdf and had her figure out the rest. We’ve tried to upload the pdf to the third party site but nothing seems to work. My mom has been bugging me to fix this for her as if I was lemonade customer support and it’s absolutely insane lemonade customer support can’t take care of this. This has been an issue for several months now, and the mortgage company is likely to make her pay for an even more expensive insurance policy because lemonade won’t take care of this for her. If my mom cancels lemonade it’s 100% lemonade’s fault. She has never filed a claim, and they can’t put in the effort to make sure everything is fixed on their end with the money they’ve received from her. I want to like the company, but I really can’t now.

Trap. To get an estimate you will provide all of your very personal information. You will not be able to delete your account and they will store your private information. They will not delete your account or stored information such as social security, date of birth etc… I called and they said that’s the way it is. Email from Lemonade regarding y request to delete: “I wanted to quickly follow up with you regarding account deletion. We are not able to delete all information given during an application, but rest assured your info is highly protected and will never be sold. You can read about our Privacy Pledge here. A bit more detail from our legal team... ‘As an insurance company, we are required to preserve certain records for future audits. We’re aware of customer rights under the law and regulations, and are committed to honoring them. At the same time, other laws and rules permit or require us to retain certain information. Under the law, a customer has the right to send us a concise statement letting us know the reasons why s/he disagrees. While this won’t change our ability to process the request, we are required to retain your statement.’ Thanks again for taking the time to reach out. Please let me know if you have additional questions. Kindest regards…”

Incredibly simple and quick process to file a claim!. I was held up at gun point outside my apartment in Chicago. The perpetrator got away with my iPhone X and designer wallet. I logged into Lemonade with my roommates device and filed the claim in 10 minutes. You’re connected with a real human and are asked simple questions about when/where and the value of the stolen property. I then had to record a short video of me explaining the incident, then took a picture of the police report... all using the iPhone camera within the app! 30 minutes later around 11pm my claim was approved and they already were sending the money to my checking account. All around great experience! And for only $5/mo!!

Love it! So easy to understand!. I love this app!! I work in leasing and recommend lemonade to all my new move ins! I was seeing a few people use this renters insurance and I thought to myself. What the heck is lemonade? Hm.. sounds fishy. But then numerous people started getting it and I saw how cheap it was and HAD to recommend it. I recommend you all to everyone! I talk about how good your rates are and the app is so easy to walk people through. It helps with those move ins who wait until they are right in front of me to get insurance. It makes the process go faster ands it’s easy for me to receive the quote! Super great and easy app! Even my older residents can do this!

I love it!. I had so much fun and paid literally half of what I was going to pay. I went to erenters because that’s what I did last time and I promised I was about to pay $135 for a year (seemed cheap but I wasn’t covering my belongings just the 100k for the apartment complex) I don’t know why but before copying and pasting my info I checked lemonade because I looks cute (whatever judge) I pay $87 for a whole year and everything is protected included my belongings. I’m broke and cheap, but it’s okay if you do smart choices and spent just what you really need. (You’ll be out of your broke phase faster, but I’m still going to be smart and save) Good job lemonade. !

My first in life insurance experience, and it was awesome!. I didn’t know that I could have so much peace of mind with my belongings and that’s how I am feeling thanks to Lemonade. I had recently ha an awful experience with a theft while I was traveling for business and I got to know the Lemonade coverage on my renters insurance included such situations. I thought the claim process would be very troublesome and demanding, but it was actually very straightforward. Amy who assisted me was very comprehensive and the interactions to get the facts straight were very professional and pleasant. It changed my view of insurance companies. The customer experience was very satisfying. Many thanks! We need more companies like that in the world.

Unbelievable accused of fraud on first claim. This is really unbelievable I filed my first claim without proof of police report. Hello in my area it takes 1-5 days to obtain a copy of police report and all of the sudden I have to call this number “investigation unit” when no one answers I mean no one it’s so frustrating when you can’t get a hold of a human instead u talk to a bot that only gives u 2-3 options to choose from and most likely isn’t even related to what you have to say. They also take long to reply to your emails after a bot forwards your question to a human. This adds more stress on top of the stress on losing my belongings. I suggest to stay away cause you never know your first claim they can accuse you of fraud for no reason. I don’t usually review apps but I can’t stand being accuse of something that wasn’t my intentions. And also since I canceled my previous insurance just to join lemonade I gotta pay out of pocket.

Cold hearted! Lack of empathy for customers. Got the insurance a year ago I’ve been paying on until now, a few payments were late due to pandemic Lost job an illness lemonade band me from doing business because of late payment when I stressed the fact that it was due to loss of jobs and getting sick repeatedly because of cOVID-19Lemonade display a total lack of empathy for customers suffering during the pandemic punished me for late payment even when I tried to make the payment it was not good enough for them they have enough business to where they feel their customers are disposable and that is not right to treat someone that way. The way of the world is not the customers fault and the business should show some type of sympathy for what the customer going through due to the pandemic but this lemonade company shows no remorse or regard for their customers at all! They do not care about their customers, do not do business with them!

The BEST!!! Thank you!!. I switched to lemonade just a few months ago and the app is so easy to use and so well designed. I’ve never had to use my renters insurance but my car was broken into and my backpack and overnight bag with probably some of the most expensive items I own were stolen. I also have a broken leg and it’s been a hell of a few weeks. Filing the claim couldn’t have been easier and I had the deposit just a few days later. They were not only responsive but hilarious and relaxed about the whole thing, which was so nice given everything that’s happened lately. It was a great experience and I could not recommend them more highly. Thank you so much, Lemonade! And so many props on the ux/ui 👌😍👌

Pet insurance review. I currently have lemonades renters insurance and haven’t had a problem but if you are looking at their pet insurance I would be very wary Pros: quick to pay your claims for very simple stuff like wellness checks, the people who do the claims are very nice Now onto why they are getting 1 star: I adopted a cat in July and in that same month started their pet insurance I chose them because I already had renters insurance and figured I could save a little money with bundling. Huge mistake! I adopted my cat because she had been diagnosed with anxiety that made her pee at weird times due to changes in the previous owners house. So I agreed to take her in. When I took her for her vaccine renewal the vet wanted to do some tests on her. Long story short they found bladder stones. I wasn’t worried because I thought hey I just got insurance they should pay for this it’s been over 14 days (their waiting period) since I got the insurance. Well they denied all my claims and I had to pay for her surgery to remove the stones myself. They said that her previously diagnosed anxiety was incorrect and she must have had bladder stones the whole time. Even if this is the case how am I suppose to be able to prepare for that since I just adopted the cat. DO NOT use this insurance for pet insurance, they will look for anything to be a preexisting condition so they don’t have to cover it.

Like a dream. I have been putting off finding renters insurance for so long because I hate phone calls and waiting on hold and all those things. This was the EASIEST to set up. Through the simple AI conversation and adjustable options, I was able to quickly compare costs. In under 10 minutes I determined what coverage I need now and what I’ll need when I get married soon. I actually had fun looking through the options. Can’t believe renters insurance is so inexpensive! Had to change it to three stars because it automatically cancelled my policy. They think I lied about a certain question. I did not. It would be nice if they had an actual person reach out instead of just cancelling my policy.

You get what you pay for- buyer beware. I can’t complain about the sign up process. Everything was easy to understand and the process was quick and painless to get a policy in place. However, I have now filed a claim and I am thoroughly underwhelmed at the support that has been provided to me and lack of urgency. I have a sewage backup in my basement that has knocked out my hot water heater. I filed a claim and was placed under a review which was understandable. For another two days I heard nothing other than my claim was being reviewed. Today I hear back that someone will need to come look at my damage in person and I agree that is acceptable and ask for the turnaround time on that and was told the middle of next week. Lemonade will take your money and make the claim process a living hell, nothing quick as advertised. Don’t plan on being reimbursed for loss of use as I’ll be forced to stay in a home with no hot water and use of a toilet or pay for my own hotel stay. Currently looking into other options so I’m not in this mess in the future

Fast and easy. Been meaning to get Condo insurance since I bought the place 4 years ago. My master covers the structure, but nothing for my personal items, liability, or improvements; so I’ve been lazy about getting coverage since I don’t technically need it. I tried getting insurance through my auto provider, but by the time I called them, answered all their inane questions (I have no idea what my roof is made out of thanks), waited for the quote to arrive in the mail, and got hung up on whether I needed earthquake too, I never ended up buying it. App was super fast and easy, gave my credit card info, and I was covered 10 minutes after I started. Great price too! Very affordable.

Condescending customer service. DO NOT GET IF YOU CAN. Thank you lemonade for being very unhelpful, not empathetic and rude. - called 4x times before filing a claim and confirmed that my claim would be approved, provided the context and exact details. Once the claim was actually filed, it got denied. - the actual denial process was the most infuriating part. Customer rep was condescending, passive aggressive, rude and not helpful whatsoever in providing additional solutions. Sure, you can get lemonade since it’s cheap and covers what you need, but don’t rely on them if you ever run into a situation. UX: Automated customer service could be updated more, user flows need to mapped out more thoroughly. FAQs: need to cover legal and policy conditions more clearly. Example loss of coverage language does not refer to conditional events within actual policy language. Therefore, make sure you read your policy carefully and clarify all technicalities before you sign with lemonade.

Great app, until you need customer service. Wanted to do something as simple as change my billing date so I could better budget my limited income. Was told they could not do it. All this fanfare about being easy and simple, yet I can’t change my billing date? When I asked again for the Lemonade customer service rep to please help me find a workaround, he told me “sorry” then said I was welcome to cancel my service and provided me a link. Wow. I pay $40 a month and they treat me like I’m worthless to them. All this marketing about how easy and convenient they make insurance is really just a cover up for them to not pay competent staff and treat you like disposable trash. You will regret this service the moment you need them to help you out. But their app makes it super easy for you to pay them!! EDIT: No, I was told “you are free to look elsewhere” by customer service. That is not the same as explaining to me that I can cancel and then sign up again on the day that I want to be billed.

Whaaat?! Is this for REAL?. I had heard only good things about Lemonade before I decided to let them cover my belongings and since I switched over about 6 months ago, I've only had good experiences. It's been smooth sailing and I take comfort in knowing that if (God forbid) anything happens, I'm going to be taken care of and made whole again. I can't believe how inexpensive the monthly premiums are and how much of what I own is covered! I love how I can customize my coverage so perfectly and simply on the app. Making changes and even moving has been a simple 5-10 minute procedure. I'm glad Lemonade has my back.

rip off. this app depends on AI and it isn’t always accurate. i used them for my last apartment, and when i moved i let their chat bot know. it cancelled my policy and let me create a new one. however last month i got an email saying i had not paid in two months. which was weird because i saw it take the money out, which it has been doing every month. upon further investigation , they never cancelled my last policy, but instead it opened a new one. i know for a fact i cancelled it because the options were “i’m moving” which i clicked, and followed the prompts. okay no big deal , i emailed customer service and they said they would refund me for the policy, because i have my lease and emails saying i cancelled my last policy. that was like almost 4 weeks ago now and i have yet to receive my money back. don’t use this app unless you never plan on moving.

Easiest renter's insurance ever. This app/company is so great, I got my insurance within 10 minutes.. it's really that simple. Asks a few questions, gives you a quote, and you're all set! I'll be living on my own for the first time soon and had no idea so much stuff would be thrown at me before move-in: renter's insurance, utilities companies, fees I'd have to pay, etc. Super stressed out. Lemonade took a lot of weight off my shoulders since I thought this (getting renter's insurance) was going to be the hardest step. NOPE. Literally so easy, I was actually shocked. Plus, their rates are so cheap! Was about to settle for my apartment's form of insurance at almost double the cost with fewer protections.. so glad I chose Lemonade instead. Great company with an equally amazing app. Thanks, Lemonade!

Best app ever!. I signed up for Lemonade after seeing a bunch of Instagram ads, and BOY am I happy I did! Never thought I’d need it, but this weekend my apartment building caught fire and so many of my clothes were destroyed. The lemonade team was ON IT! Special thanks to Jeremy, my adjuster, who was incredibly prompt and helpful via email, and beyond flexible as I struggled to make sense of this mess! Another shoutout to whomever runs the Instagram account...they watched my IG story about the fire and helped answer immediate questions. Overall, this app made insurance unintimidating and easy to deal with. I am being reimbursed for all damaged items and can’t wait to recommend lemonade to all of my friends!

No ethical consumption. For insurance that’s done online only it’s disappointing I can’t edit renewal coverage BEFORE the renewal takes place. You’re increasing because the cost to rebuild my home even though that didn’t change, only my home’s value. It’s still the same size as before and building materials increases don’t match up. Low and behold I renew and you still won't let me edit my coverage. What a scam, time for an insurance commission complaint. In addition I was really excited prior to receiving my house renewal to see you were finally offering car insurance, but extremely disheartened to see it was only the type that violates my constitutional right to privacy. This insurance that requires an app to track you should be illegal. It’s not a discount, it’s a penalty if you choose to exercise your right to privacy, shame on you.