Lemonade Insurance Ratings and Reviews

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!!!!

Developer Response ,

Thanks so much for your awesome review!! We're so happy to have you in our Lemonade community!

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.

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?

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.

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!

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 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.

Developer Response ,

We're really sorry to hear about your experience thus far and would like to have a senior member take a look. Please send us an email to help@lemonade.com so that we can review asap!

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!!

Developer Response ,

Hey there, thanks for your feedback. Every claim is different- while we'll typically ask for proof of ownership for your lost items in the event of a claim, that proof can come in many different forms. For questions about what you may need to have on hand in the event of a claim, please reach out to our team at help@lemonade.com. We'd be more than happy to give you more info!

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.

Developer Response ,

Really sorry for the disappointing experience- we can't imagine how frustrating this must've been, especially during such a stressful time. Please reach out to our team at help@lemonade.com so we can take a look into what happened here. Thank you.

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

Developer Response ,

Hi there– thanks for the feedback, and sorry for any confusion or disappointment. Do you mind shooting an email over to our team at help@lemonade.com? Happy to take another look into this to see how we can help make this situation easier. Thank you!