R
ReviewerVerified
2 months ago
Lemonade's app and instant quotes are genuinely impressive, and I love the giveback concept. That said, when I compared the policy details to a traditional insurer, the coverage felt thinner for pets. It is great for simple needs, but I am torn for anything more complex.
Great app, charitable giveback
Thinner coverage for complex needs
My Lemonade pet plan is affordable and reimbursements for routine vet visits came through fine. But a claim for a chronic condition got bogged down in back-and-forth and felt like wrangling a bot. Convenient for the basics, frustrating once things get nuanced.
Affordable, easy routine claims
Complex claims get stuck
Getting renters coverage through Lemonade was astonishingly fast, the app walked me through everything in a few taps and the premium was lower than I expected. My one gripe is that customizing some coverage limits felt restrictive without contacting support. Still, a refreshingly modern experience.
Fast app signup, low premium
Limited coverage customization
I filed a claim for water damage on my Lemonade homeowners policy and it was denied on a technicality I did not see coming. The app made buying easy, but the claim outcome felt cold and the chatbot kept looping me before I reached a person. Disappointing when it mattered most.
Claim denied on a technicality
Switching my car insurance to Lemonade was smooth and the app makes managing the policy effortless. Pricing was competitive and the telematics-based discounts felt fair. My only minor gripe is that I would like more roadside assistance options bundled in. Otherwise a solid, modern choice.
Effortless app, fair pricing
Limited roadside add-ons