Lemonade Home Insurance Reviews

I had this company for 4 years. I had no claims and they received all premiums on time. Recently they informed me that I had to perform their due diligence for them by sending pictures of certain parts of our house. Our house is 22 years old and is over 3,000 square feet. Upon receipt of the pictures, they informed me that they were not going to renew our policy because we had a palm tree too close to the house and our water heater was too old (original -- 22 years). They did not indicate what I could do to rectify the situation.

Lemonade was the worst insurance I have ever had. A Lemonade rep called us a few years ago and convinced us to leave Allstate by showing us how much money we would save. I made a huge mistake by not hanging up on them (the only time I ever spoke w/ a Lemonade rep on the phone)! Allstate was top-notch and always went above and beyond when needed during our 10+ years with them. Lemonade promised to save us a ton of money and we reluctantly left Allstate for Lemonade. We did not realize the extent that Allstate made us feel secure and protected until we left them. Lemonade disappointed us from Day 1!

Filed a claim for a loss under whole home insurance and it was handled promptly and proficiently. Staff was friendly and helpful and kept me informed. I had to replace my AC and the insurance covered the whole amount minus my deductible. I was so pleased I told all my friends that they should get this very affordable insurance for their home too.

Absolute scam for renters insurance. Had a slab leak last month, denied because the drinking water was leaking in foundation & never came above ground, due to us keeping water off most of the time. Plumbers had to repipe house, so no water for 4 days. Lemonade said too bad, we don’t cover it! Worst experience with Insurance I’ve ever had in almost 30 years of paying!! Paid for premiums for almost 7 years! Buyer Beware!! It’s a SCAM!!

Cynthia W has been a delight to work with. Walked us through the process. She is knowledgeable and precise. We couldn't ask for better service. Fast and friendly is hard to come by these days, but with Cynthia and Lemonade insurance, you get it all! We recommend to everyone, young and older folks.

This insurance is a total disaster, a scam, dishonest!!! I filed a claim covered under my policy and they denied it. You can only speak or chat with a robot. Don’t look at those fake reviews with 5 stars.

Had a policy for 3 years, no claims. Then had a underwriting review on the house. Took 3 emails to explain to the "underwriter" what an HVAC was and I had no other heat source. Kids had a sign next to their play house that said horse. I was literally asked if I had a horse in my backyard. It took forever to explain the breaker box for my 1985 house. I had texted 1 year before to ask if they depreciated the roof replacement. The underwriter asked me to photo the "repairs done" since a claim was filed. I asked her to give the info on this claim I filed (which I never did, there was NO repair done). She was baffled and asked why I told them I had a claim.

We got this insurance for 2 years, we had two minor leaks in our basement that we claimed, they were only partially covered, only was enough for materials really. In the end of the second year, they terminated our contract, telling we have too many claims. Really they just want get paid without covering.. Would not recommend.

This Insurance company is a joke. I've been with them for over 5 years and when I needed to file a claim for my roof last year, they were real quick to deny the claim. They made sure that my damages was under the cost of my deductible. I also had a fire claim that they denied also last year. When they sent an inspector to my home to do an inspection, all he did was take pictures and didn't even take samples. Claim denied again. I had to hire an attorney and claim was overturned and they paid the claim out. And made sure to low ball me with a ridiculous amount of $1200 that didn't even covered the cost to clean up my attic.

Lemonade renewed a policy, without my consent. Took a whole years payment for a new contract. Sent my bank account into overdraft. Called them to see why they charged me for a policy that I didn’t want? Told me that they would cancel it immediately, and issued me a prorated refund. Which I should’ve been refunded for the full amount. I went to the bank the refund was issued, but pending. Bank told me it should post after midnight. The next day, checked bank account, and the whole refund had disappeared. Contacted Lemonade, and was informed they issued refund. Gave it another day to show back up. Still not showing up in my account. Went by the bank again. Bank informed me Lemonade took back the refund.

I never had anything happened to my home before but I also knew insurance company sometimes move at their own pace. Lemonade not only responded immediately but resolved my claim within days from starting it. I am pleased with the way everything was handled. Thank you again Lemonade and Jenessa.

After few years, cancel my policy without emailing or sending me an update. I update my payment they accepted. Long story long I spoke to few people, the rage, rudeness and disrespect was overwhelming. I went and find me another company. Unbelievable. Even for free I will never go back. Zero star not 1*

I recently had a frustrating encounter with Lemonade's home insurance policy process. Despite providing receipts and photos confirming that my roof was replaced in 2019, Lemonade denied coverage based on cosmetic discoloration, which has no impact on the roof's functionality. This experience has led me to question Lemonade's policies further. It appears that Lemonade may accept new homes for insurance policies for the first term, only to end coverage later to avoid liabilities or payouts for older homes. I find Lemonade's approach disappointing and unfair. It seems they prioritize avoiding payouts over providing genuine coverage and support to their customers. Based on my experience, I cannot recommend Lemonade for home insurance and urge others to carefully consider their options before choosing Lemonade.

We took out 2 homeowners policies. One in the Denver area and the other in the mountains. They decided that our Denver home could not remain insured due to a flat membrane roof. I thought everything was going great until they cancelled both after we had NOT filed any claims.

I went with Lemonade because I used them for Renter's insurance. When I bought a house I stuck with them. I liked the ease of getting a quote. The app based quote system was fast and easy. Not being bombarded with emails after filling info out online. However, after a year and a half they stated they needed an inspection report to renew me. I gave them my inspection report, and they asked about the "leaking sinks". I told them the p traps leaked on several sinks because they weren't tight. I tightened them all an 1/8 turn and have had 0 issues. You know how the inspection reports go. Then they asked about the "possible leak" the inspector noted due to a water stain on the ceiling tile. I told them there was no leak, and that the HVAC ductwork is a couple inches above it, not a single water line or appliance in the area. Then they were like "what about your water heater, was that replaced? Can you send us the invoice?"

We had a water leak from under our slab home. We reported it and the next day they had an adjuster here surveying the damage. Within a week, they deposited into my account the the funds for the repairs. I was very impressed with the great customer service they provided and the ease of the process. I would recommend Lemonade a million times over!!! Thank you!

Being a Lemonade customer has been easy, but when hail damaged our home; this is when Lemonade really shined. They made filing a claim easy and walked me throughout the entire process. From filing to getting a settlement took less than a week and everything was explained and taken care of quickly. Could not be happier, A+ service.

Filed a claim for a special assessment from my building, sent documentation through email and had Lemonade get in contact with my HOA management company. Claim went through and overall satisfied with the experience. I would recommend Lemonade because of ease of use. Sometimes is nice to talk in the phone with someone, and they do call you occasionally but most communication happens through email.

After a water spill issue from the water expansion tank, two rooms were impacted, I called Lemonade and they send a crew to dry the area in less than 24 hours, and proceeded with the repairs. All the involved parties were professional and easy to work with, Lemonade were on top of the process and the contractors met what they said.

I was a Lemonade customer from June 2020 to June 2023, during which time I submitted no claims. I made an inquiry once as to whether it would be beneficial to file a claim after a large tree limb fell from our neighbor’s property during an ice storm onto our roof, damaging the gutter and fascia board. The cost for replacement was less than a thousand dollars over our deductible and I was concerned if a subsequent rate increase would be detrimental in the long run. In short, I found their largely AI operated system less than helpful, and their human representatives not much better. Earlier this year I was informed by Lemonade that they were redoing the underwriting for my policy and asked me to provide pictures and proofs of repair/replacement for a laundry list of common claim items (roof, electrical panel, plumbing, etc.).

The end to end process was very fast and easy. Everything I could do it on app, the person was very nice and helpful, the best part was the proactive way and making sure I was heard correctly. The team intent was to help me and they did that right. Great customer experience and felt happy and I did not make any follow up calls on the matter and they got back to me on time. Thank you.

I do not think that I have anything extra to say--the service was easy, fast, polite and great. I look forward to future interactions with the Lemonade team the next time that I have an inquiry or a claim. This is all I have to say at this time.

The AI model used to respond to claims is next level and I was simply amazed by how fast the whole claim was reviewed and processed. I have never expected anything like this, the whole process took 2 days for resolution.

We had Lemonade for our previous house that we sold (homeowners insurance). And for our current apartment (renters insurance). When we bought a townhouse (condo insurance) and Lemonade required us to submit a building inspection report. Said that they would be unable to insure because the electrical panel was not meeting code, and the home had galvanized steel pipes. We got them replaced with new electrical panel and PEX pipes, and submitted documentation and receipts. Guess what, they threw us another list of deficiencies that must be repaired before insuring. Half of them were acceptable reasons and another half was perplexing and questionable, especially that the damage were merely cosmetic.

It is a deceiving company that wastes your time and resources. People in Texas are rejected for no good reason. The name matches my experience, We were asked to send a certified roof inspection report which we did. The inspector gave a Stella’s review, as it should be for a new house and category 4 slate roof. To my surprise, they rejected us for no reason, The rejection read “two tiles are discolored”. I am skeptical that 2 tiles broke the camel. Call me skeptic, but not stupid. If you do not want to insure folks with decent houses, then say that. Do not send me to roof inspections, only to waste my time with imaginary flaws.

Speedy claim processing and communication. Kind agents! Ease of submission and communication cannot be beat. Claim reviewed and processed within 2-3 days with funds direct deposited. Check ins help as well to assure all needs are as expected.

I have had Lemonade for over 5 years, 3 years and renter and 2 years and home owner. They I believe have really good rates and their claim process is also straightforward. It’s little challenging to understand at first that all communication starts with an AI chat bot, but it has improved over years and I am hoping that it gets better even more.

Quick response, care, setting expectations on my Fire incident last year in February 2021. Had good experience working with Jonathan, and then with Ms **. Though many follow-ups required on progress. The claims and approval process moved slow and frustrating, as Lemonade will change their own appraisers for loss and contents until lowest cost obtained. That made us lose months and and uncertainty. But in the end they paid up. Special Thanks to Ms. **, Lemonade adjustor, who helped us recently get some more comp for huge list of damaged contents. I wish they paid more. There is a substantial amount still pending and they are asking for more estimates and items list that they did not cover. After 1-1/2 years of follow-ups, and getting repairs, we are exhausted and tired. Have better things to do in life. :-)

Working with Lemonade was great. The Personnel assigned to our case, Ashley was very knowledgeable. She was able to respond to any of our questions or next steps promptly over phone as well as email. The whole process turned out to be very easy for us the first time home buyers. The payout turned out decent to cover the damage and renovation, with any haggling. Highly recommend Lemonade. The really do work with their customers and for their customers.

After a water leak in my home caused by my upstairs neighbor, Bryan and the Lemonade team were super helpful, and always quick to respond. Whether it was getting my claim paid in rapid fashion, or the overall customer experience, I am very thankful for them!

I had a failure with my shower plumbing inside my wall, causing water to leak into adjacent rooms and throughout the bathroom. Repairs required completely gutting the bathroom and starting over, along with repairs to a closet behind the shower and part of a bedroom. Throughout this process, getting help from my claims representative was like pulling teeth. There was a week or two that went by that I absolutely could not get ahold of anyone when I desperately needed information so I could start the rebuild process. Having a catastrophe like this in my house was enough stress, and not getting support from my insurance that I pay for made it much worse.

Our claim was originally handled by Corey and took over a year to settle. We were very frustrated. The claim was transitioned to Chyloh H who handled our claim and he was fantastic! He was very responsive and we were very happy with our experience with him.

We had a kitchen leak which required our whole kitchen to be ripped out. Our Lemonade adjuster, Christina, was always quick to respond and very helpful in providing us with everything we needed to get our kitchen back together. I appreciate that the team worked with us when we received several quote higher than we received on the claim. They are a very good insurance company.

Brittany was our adjuster for our recent hail storm. Our home had significant damage, but she made the insurance process seamless and understandable. Her response times were quick, and she helped us to navigate our claim. Our settlement was comprehensive and covered all the damages. Thank you Brittany!

Although the claim has been processed for a long time, in the end Jeremy helped to get it settled. And the amount compensated are matching to the market price, which helped me a lot in terms of rebuilt. I will recommend Lemonade to my friends.

I definitely wanted to write a great review for Jose from the Lemonade Claim's team. I had the chance to work with him over email and via one phone call when he returned my call to help answer questions I had. It was a really negative experience getting a prized possession stolen from my own garage and to have to go through this process during an extremely busy week at work. Jose was phenomenal and truly seemed like he was trying his best to make this experience as smooth and seamless as possible. I appreciate his support and kindness as it really did go a long way. This really solidified Lemonade as an insurance company for me and I'll be recommending this service to my friends and peers.

I want to thank Jeremy for working hard for me in such a rough time. Jeremy had answers to all my questions and was quick to move the process along. Lemonade insurance was prompt and efficient in meeting and exceeding my expectations.

Claim # **. After we have found out that we have a leak on the bathtub pipe in February 2022 we file a claim and the adjuster came on 02/17/2022 for estimation, he has submitted for estimation on 02/18/2022 but I haven't received my payment until 03/24/2022. During all those times I desperately looked for answers and someone to speak with about the claim status and why it takes too long after the adjuster submitted the estimation, We have an opened ceiling in both bathrooms all those times. The company who fixed the leaking sent to me a letter for payment because the insurance didn't pay.

Ashley was working on my roofing repair case and she is amazing. She understood my situation and tried to make it happen as fast as possible. She emailed me and had contact with me to discuss about my case and said, "I'm here to help."

I filed a claim for home repair after discovering a leak in one of the rooms. Lemonade team promptly assisted, guided me through the claim process, and promptly paid the policy benefits. I highly recommend them. They provided immediate help and answered all my questions. Other insurance companies would have been so slow to respond and pay benefits.