Lemonade Renters Insurance Reviews

Lemonade Insurance is the biggest disappointment. On October 25, 2025 my shower pipe burst in the middle of the night. Since then it’s been the biggest nightmare. I had to move out of my apartment, come out with 7,000 and now I’m living in my car. Lemonade denied my claim stating the water pipe burst was pre existing?? Are you kidding me. Alberto was awful and Fallon was worse. Not only were they awful to me, they were down right rude to my landlord. Lemonade has made me homeless.

The customer representative who helped us through the unimaginable process of losing our home to a fire was absolutely AMAZING. Tony was patient, kind, and genuinely caring. From the very beginning, he reassured me that he would do everything he could to help my husband, our two boys, and me navigate the overwhelming reality of losing everything we owned.

Lemonade insurance is easy, personable, and amazing to work with. The app and modern format makes things simple to understand, and easy to customize. Their customer service is with real, genuine people which makes such a difference when filing a claim.

My Lemonade agent was helpful and guided me through the claims steps, and the general interface and process was straightforward. The nature of my claim was a bit odd and I did not have all the documentation I would have liked to, but I was guided through finding what I had and doing the best I could in the given situation.

Not good, no response from the team, and they cut the claim insurance without any proper reason, I would not take the insurance from this company again if possible. They asked me to submit all my receipts and after doing that they did not give me the correct one, I did not get even 50 percent of what I lost back as insurance claim. It is that bad.

My overall experience was good with Lemonade, it was easy to get in touch with people. April specifically was such a kind and helpful agent! She really made my experience straightforward and pleasant. She seems like a lovely person. :)

Lemonade is professional but human and was able to calm the storm after a horrible robbery of our home. They were prompt and helped us navigate a difficult time with ease. Highly recommend for any renters who need peace of mind.

So happy for the Lemonade insurance team. They took my claim in a very smooth manner. They were really responsible till the end. They understood my situation and reacted very fast and also they have given each and every update of claim.

Claims process is pretty easy and quick but you MUST download the app, which I don't love. I'd prefer not to have to add location and camera permissions to my phone just to file an insurance claim. You also have to record a video of you describing the reason for the claim, which was new. Lemonade did process our claim VERY quickly (less than 24 hours) but my e-bike was not covered because it was considered a "motorized vehicle" under their rental policy, which is ridiculous for a Class 1 e-bike without a throttle and limited to no communication about those limitations prior to needing to file a claim on an e-bike. Customer service was good overall but difficult to tell if you are talking to human or AI-bot in chat functions (I assume AI-bot always but they do add a photo of a person to the chat which is confusing). Still, I was happy with the timeline and availability of the claims processors.

Lemonade made a really stressful situation so much easier. The process was fast, transparent, and supportive every step of the way. Special thanks to Louie for the kindness and quick help—I’m truly grateful to the whole team!

I don't even want to give it one star! They can't even get a policy correct, or cancel correctly! I spent several hours last week trying to make AI understand that the policy should only be cancelled per the scheduled date! And now a week later.. they don't have the right freaking information. I am about to switch to progressive, which is what I should have done in the first place. -Zero stars! In fact, -10 freaking stars.

Lemonade insurance is so easy, and has saved me headaches 3 times now!! My claims processes after each incident has been straightforward, clear, and easy to navigate. My representative was communicative, and each request for information was answered promptly. For the less complex incidents (my bag was stolen a few years ago), my claim was promptly approved and initiated. I love their ethos as a company, giving back to charities of choice. Very happy with my choice of insurance!

Lemonade was very quick to respond to my claim of package theft and helpful along the way to gather the necessary documentation, including invoices and the police report. The claim was approved within a week of the incident. The payment went straight to my bank account.

I love this company! I put in a claim because my house flooded and the very next day they accepted it and sent me the money to replace the things I need! They even gave me a little more than I asked for!

I feel very grateful for answers and help me and my family in this situation. Marcus help excellent, and the communication was excellent. I’m sent videos and pictures of what happened in my apartment, thanks for all!

I had a great experience with Lemonade — the process was incredibly easy and straightforward from start to finish. Everything was handled quickly, and my refund was processed almost immediately after confirmation. I really appreciated how seamless the whole experience was. The customer service was also excellent. Christina, who assisted me, was very friendly and easy to speak with. She even gave me a quick call to gather some missing information, which made the process feel personal and efficient. Overall, I’m very impressed with Lemonade’s combination of speed, transparency, and helpful support. Highly recommend!

Straightforward and satisfying experience in resolving my claim. The process was very easy. Jim, the AI claims examiner was able to understand my concerns and resolved my claim within five seconds of submission.

Impressive platform - super intuitive, you don't get bogged down speaking with humans or awful processes of being forwarded department to department. With Lemonade I was able to sign up entirely through their app, add valuable items I need protected, and (recently) file a claim within minutes for which the approval process was almost instantaneous. Cannot recommend enough.

I have a renter's insurance policy. Unfortunately my bike was stolen and I filed a police report. Lemonade exceeded my expectations by a mile when it comes to dealing with insurance claims. I deeply dread paperwork and Lemonade made it more straightforward than I imagined possible.

I am currently dealing with Lemonade for a renters insurance claim. My experience has been nothing but a headache. My biggest concern aside from the long wait for resolution is the absolute false information I keep receiving from my adjuster and the little to no communication. Was told last Wednesday that she would be done drawing up our settlement within 24/48 hours which would have been Friday. Well Friday came and went then yesterday Monday whole day goes by I call a couple times cant get in touch with her like always then at end of day she emails says, "Sorry for the delay that she's almost done and it will for sure be done tomorrow." We'll it's currently 9:15 pm on Tuesday and nothing. Not a single thing from her.

TL;DR: Had a great experience with Lemonade after having my backpack and wallet stolen. I've had Lemonade renters insurance for 8 years now, since I was required to get it for one apartment I lived in. I was always worried it would actually be good insurance because of how cheap it was, but at the time I didn't care because I was just looking for the cheapest insurance possible.

I really appreciate the work you guys did and the customer service I received. Five stars doesn't even cover the gratitude I feel receiving such positive attitudes. Thank you guys. Henry and Carly you guys were great. I really really appreciate everything that you guys done for me. Keep up the good work.

I got robbed in Ibiza. I filed a police report, but the police didn’t do anything. Luckily, I made a claim with Lemonade using the police report. The experience was smooth and I was made whole again. Really gives me peace of mind going forward and freed me of any vacation regrets.

Lemonade is insurance for the 21st century. They made the claim process super easy through the app. I was called by a Lemonade representative about my claim and they were very helpful, informative, kind, and empathetic.

Excellent customer service and great prices. Mark from the claims department was able to get my claim approved under a special circumstance. He also got the claim approved in roughly 24 hours which I also found remarkable.

Lemonade is fast, easy to use, affordable, and has amazing customer service. Signing up and filing claims is simple, and support is friendly and responsive. Best insurance experience I’ve had! Can recommend.

I had my bike stolen so I filed a claim and since it was a standard issue an automated chatbot guided me through the process and what information I needed to submit. The claim was approved within 20 minutes and the refund was received within three days.

I had a few items that were taken out of my backyard and the Lemonade team from the moment I filed my claim made it the easiest process possible to get my claim settled. They went above and beyond expectations, great overall experience. I recommend 100%.

I unfortunately was the victim of a theft when someone broke into our building and stole my recently delivered AC unit, which was new and still in the box. I tried all means I could think of to cover my loss including reaching out to the manufacturer, LG, and filing a police report. It was a lot, and frankly, LG in particular was really terrible to deal with, and the process of filing a police report ends up being somewhat time consuming.

Updated on 07/02/2025: These people are the worst. I have never heard of anybody working in such bad face as Lemonade insurance company. Beware. I have been trying to get ahold of him regarding my claim for a month and a half now and I have gotten no response whatsoever from my adjuster other than when he said he needed nothing from me further and that he was working on processing my claim to get me paid. And then all communication stopped and then I got her denial later a few days later.