Lemonade Home Insurance Reviews

I have never heard of Lemonade, let alone purchased a policy. They still charged me 20 times over the past few months. Pure fraud.

Somehow Lemonade Insurance charged a small amount on my credit card and I never authorized it! I had never heard of them til I saw it on my statement! Beware of this company! I needed to cancel my card cause somehow they hacked it!

I had a back up issue in my laundry room called to make a claim. Took over a week for someone to get back to me via email. I told them I already fixed everything and would like to drop the claim. They told me it would still be on my record and sent another email stating they would not cover any pre-existing floods in the home for any future event. They also raised my policy at the end of the year.

Worst experience trying to cancel my policy. Several attempts to get a text message and they were of no help. I DO NOT RECOMMEND LEMONADE INSURANCE, not for renters or pet policy. If you can afford going to another insurance company I would.

App or site = Useless. Cannot find way around. Try to see billing invoice loops back to add new policy. Billing is confusing badly. Looks as if you’re charged twice. Had problems with billed before cycle end and messaged cycle end before legitimately ending

Lemonade does automatic renewals of your policy, so make sure to remember this if you switch insurances! They won't cancel your policy if you don't renew. You have to remember to manually go to the app and cancel your policy. This is a big deal, because they won't refund any money if you miss doing this! This means that you could end up paying for a year or more with no hope of a refund! I missed renewing my policy, and did not notice the charge on my credit card statement because I was going through some stressful things at work. The following year, I noticed it and addressed it right away. I was able to recoup my funds for the current year, but they refused to refund me the $193 for the prior year, even though I was able to produce evidence that I had other insurance during that time! The practice of automatic renewals without refunds once the customer catches it is unethical.

I am with this home insurance company for more than five years without any claim. I was surprised increasing my premium for more than 100%. So I decided to cancel or dropped my home insurance with them. So much more frustration this company still continue charging me my premium. I called my back Bank for help. I do not trust this home insurance & would not recommend this company Lemonade.

We took out a renters insurance policy for our child. There was a kitchen fire, and they have refused to cover damages when the lease was in 2 names, but the policy was in one name. They had absolutely no problem taking the money but gave nothing but the run around on simple damage coverage that was very cut and dry their responsibility.

Canceled on me last minute because of the roof being in bad shape, after making me take pictures of every single thing in the house. I got scared so I contacted few roofing companies to evaluate and replace if needed. They told me the roof is in in good shape for another 10-15 years. Go and figure they canceled from a picture I took from far away.

I have been with them for 8 years and from the past 2 years they have been asking me about my roof and to take pics of the exterior. Now they want to take current pics of my interior and I feel that is too invasive. Get your house off of Google Maps and get another insurance company because this company takes and risks nothing because one claim and you are out and not playing their increasingly invasive games you are out. I hope a class action lawsuit is coming soon. Insurance companies are a scam and homeowners should be able to put up a cash deposit instead.

This company dropped my insurance after a year for bogus reasons, then proceeded to bill my mortgage company anyway, causing my mortgage payment to increase substantially and now will not issue a refund.

As a loyal and outspoken customer of Lemonade, I talked highly of them to everyone that listened. I ran into a road block, been with Lemonade for 5 years now, and unfortunately had to file a claim with the crazy storms going on. Hasn't been going Well to say the least. I'm honestly too exhausted to say how much I wasn't helped and ignored, than to say anything good they did. I wish I could.

I recommend Lemonade to any and everyone needing insurance. They take care of claims in a timely manner. Communication could be better but they take care of you. They settled my claim in 43 days. I'm adding car and life insurance.

Lemonade dropped me after four years of on-time payments—not because anything changed, but because they’ve decided they don’t like insuring actual homes in California anymore. Their reasons? A house they've insured since 2021 suddenly became uninsurable because it's... has a pierced foundation (it always was), has PVC plumbing except for a few cast iron drains, and a 12-year-old EXTERNAL water heater that couldn’t endanger the house if it tried. We spent $6,000 on professional tree work and have the receipts—but Lemonade shrugged and said "brush proximity."

In the beginning they promised to be unlike other stodgy insurers. They were going to save money with low overhead and a new Ai method of customer contact. They got great initial reviews, had low premiums, and we were enticed. Things have changed. Lemonade is still in the red but expected to be in the black by 2026. How? They are scurrying around trying to find ways to limit losses. A new tool is their required "self inspection" which is simply a way to cull out customers they don't want. Do you feel comfortable sharing pictures of the inside of your home? To me it's a privacy issue like giving driving data to an auto insurance company. You can get a discount with them if you do but can still be insured normally otherwise. Here it is required.

I had them for many years. I opened a claim and then closed it the next day since the deductible was high. They canceled my renewal due to more than $1M guidelines by the underwriter. I never had any claim and my mortgage and the cost of rebuilding will be less than $1M. I have escalated this and I am sure the company will face a lawsuit with these overnight decisions to cancel the renewal.

We had Lemonade for almost two years with no need to file claims. Then suddenly they decided to drop us because our area was going to cost them too much. They also dropped our policy on a SUNDAY without the courtesy of it being a business day. Would NOT recommend this company.

Lemonade did not renew my policy but they handle my claim properly. I wish there was no natural disaster in my area so I could stay with Lemonade for life. Keep up the good work. I recommend Lemonade for whoever is looking to get a good insurance from a great company.

I have worked in Mortgage for many years, when Lemonade came along with much lower prices many customers wanted to try it. I started with Lemonade last year and had no issues. I just got my renewal notice and coverage went from $1,600 a year to over $3,000. I have never made a claim, when I reached out to them they said replacement costs went up. I checked around with other companies and will not renew with Lemonade.

I had a pipe break in my apartment which caused my bamboo floors to pop up and mold. I submitted a claim and received a response the same day. The process was pretty easy, an inspector came over to evaluate the damage and I was approved quickly. Customer service was very helpful and supportive through the entire process.

Lemonade has been very responsive to all my home insurance needs. I recently had a claim and Lemonade staff were available and helped me through the process. I would recommend them to family and friends.

My experience with Lemonade has been fantastic. Their website is great and the claims process was a breeze when I had an electrical issue in my home. I can't wait for their car insurance to come to PA.

I regret getting Lemonade home insurance. I would not recommended to anyone. Pay premium but don't make any claim, even if it is a small claim, or your policy will be cancelled. One small claim and they refused to renew my policy. First claim in over 40 years.

We had to file a claim because of a broken ice maker that leaked in our condo. Lemonade was very quick to inspect and handle our claim and a pleasure to work with. Bianca from lemonade was super helpful addressing our questions as we have never dealt with something like this before.

Sent someone out immediately to mitigate further water damage. Claim process was easy and they paid what was recommended by the restoration company. Great communication along the way. Thank you for a great experience during an uncertain time.

We've been using them for just over 4 years. We did need to file a claim for damage due to a water leak, The claim process went smoothly. They were attentive, professional, and fair. I don't have any experience filing homeowners' insurance claims but it could not have gone better.

We are currently displaced due to a pipe bursting and collapsing our ceilings. It’s anticipated that we’ll be in a hotel for several weeks until all the work is complete. From the moment I tried to file a claim to date, this place has been nothing less than a nightmare. Nobody should ever have to experience grief on top of grief when dealing with an unexpected disaster and their insurance company. I just filed a complaint with the Attorney Generals office and I’m filing with the PA Insurance Commission. This company is out for SELF GAIN and has ZERO respect for their customer's situation. I know for a fact a lot of the things they’re doing have to be illegal in the insurance practice. Save yourself the grief and get covered under a reputable business. Their name Lemonade speaks for itself.

I have been using Lemonade insurance since we purchased the home in 2022. We have had nothing but difficulty with this insurance firm, and we have not even had to file a claim. Poor communication and policy renewal issues have been a constant issue. They have overcharges, tried to cancel my insurance due to an error on their part (they admitted to both and apologized), and have repeatedly asked for documentation that has already been provided. The only way to communicate with the company is via emails that are from a bot, or via bot chat on the poorly designed smartphone app.

Been with Lemonade about 5 years, very happy with them. No claims. One annual premium increase consistent or below other home insurance companies presumably due to California wildfires. Easy to deal with, I like the AI format, no agents to arm wrestle with.

Avoid Lemonade Insurance at all costs. My experience with them has been nothing short of a disaster. My claim was closed without my knowledge, consent, or any resolution that addressed the actual cost of repairs. Despite repeatedly reaching out via emails and calls, my assigned adjuster has completely ghosted me. Their blatant lack of professionalism and accountability is appalling.

I got Lemonade Homeowners Insurance when I bought my first home. Sadly we had a horrible hailstorm in the same year. It took Lemonade 2 month to approve the claim in which time I had a tarp over my roof and continued water leaks. That was one issue! Now they trespassed my property without my notice with a drone to do a property inspection. Months later I received an email that my policy will be canceled due to the finds of the inspection. No warning! No letting me know there will be a drone around my home. I could have been nude sunbathing and they could have just taking pictures. No email saying I need to correct the issues or coverage will be canceled. I truly feel violated in my own home.

Horrible, dishonest company. Agents are ignorant and rude. You will be asked to pay for your own roof inspection to even receive a quote. Buyer beware. They claim to be easy to work with but agents are either AI or unable to help answer any of your questions. They will pass the buck to other agents and you will wait a lengthy time for response unless you constantly email them.

Complete waste of time and comfort to use them. I was a customer for years, then in a cost cutting measure made me take photos of my house, valued at nearly $2m and said my water heater was too old. This is after 5 years of insurance with no claims. The gentleman below was completely useless..

Our family experienced some damages to our roof due to a recent storm. We reached out to our insurance company, Lemonade Insurance, and they quickly went to work on our situation to see if damages were coverable. Maurquez ** an agent from Lemonade Insurance was assigned to us. He was very knowledgeable, caring about our situation and quick to respond and walk us through entire process. Lemonade Insurance and representative ** sent out an adjuster to view damages and afterwards approved us for help and assistance in a matter of days! Lemonade Insurance responded so fast in tackling our situation and bringing us to resolve that it made our heads swim! Thank you Mr. ** and Lemonade for your help!!! I will refer them to all that I know!

I have roof damage on my house. Homeowners coverage took 30 days to send out a 3rd party adjuster. They approved my claim for the surface damage on the roof but refused to look at the underlying damage of the trusses and the wet ceiling until my roofing company submitted a supplement. My roofing company has been trying for the past month to submit a supplement but they can't reach anyone by phone or email and no one will return the messages. GHOSTED!

This company constantly had technology issues which made the platform either unusable, or prevented me from processing my payments/adding new cards. They were unresponsive and unhelpful - I had multiple experiences where representatives were outright disrespectful. I’ve never felt less valued as a customer and after hearing horror stories from friends about how difficult it was for them to process claims and ultimately they did not receive reimbursement pursuant to their property value and policy information, I will absolutely not be renewing my policy and will find a more trusted, credible, and experienced company for any of my insurance needs.

Lemonade is a bait and switched. We used them when we bought our house and have paid everything on time with no claims against our property. All of a sudden we get a request for a self inspection... Ok no problem. I follow all the steps and bam they drop our coverage.. Why you may ask... because my hot water heater doesn't have a serial number on the sticker... Unacceptable service. DO NOT USE LEMONADE.

Predatory company, will steal from you for years and then lie after your policy. There’s a reason they have 50% 1 star reviews. Stay away! This company has strung me along for months and has refused to refund despite the fact I’ve provide proof of everything.

Lemonade immediately contacted me when I reported the leak. Andre was not just genuinely concerned about my situation, he was professional, knowledgeable and took care of what needed to be done to get the repairs done in a very timely manner. I am truly thankful on how Lemonade handled my water leak situation.

We had a very easy and seamless process with Lemonade. They were more than accommodating throughout our experience. We definitely recommend Lemonade for anyone looking for exceptional service and support. Thank you for making it easy and helping us get our house back into working order. The person they sent out was beyond helpful.