{"id":17951,"date":"2021-09-20T07:33:23","date_gmt":"2021-09-20T07:33:23","guid":{"rendered":"https:\/\/www.lemonade.com\/blog\/?post_type=article&#038;p=17951"},"modified":"2021-12-23T13:49:13","modified_gmt":"2021-12-23T13:49:13","slug":"5-reasons-to-buy-lemonades-homeowners-insurance","status":"publish","type":"article","link":"https:\/\/www.lemonade.com\/blog\/5-reasons-to-buy-lemonades-homeowners-insurance\/","title":{"rendered":"5 Reasons to Buy Lemonade\u2019s Homeowners Insurance"},"content":{"rendered":"\n<p>If you\u2019re on the market for homeowners insurance you\u2019re likely completely bamboozled with dozens of different insurance companies. But what really distinguishes one company from another?&nbsp;<\/p>\n\n\n<div id=\"article-cta-block_6146dc5378e55\" class=\"article-cta\">\n    <p class=\"article-cta-text\">Get Lemonade Home Insurance and Save <\/p>\n    <a class=\"article-cta-button content_article_cta\" data-track=\"content_article.cta.clicked\" href=\"https:\/\/www.lemonade.com\/start\/1?f=1&#038;ownership=owner\">Get a Quote <\/a>\n    <style type=\"text\/css\">\n        #article-cta-block_6146dc5378e55 {\n            height: 80px;\n            width: 100%;\n            max-width: 700px;\n            display: flex;\n            flex-flow: row;\n            align-items: center;\n            justify-content: space-around;\n            background: #F7F7F7;\n            border: 1px solid #ECECEC;\n            border-radius: 5px;\n            padding: 15px 15px 15px 30px!important;\n            cursor: pointer;\n        }\n\n        .article-cta-text {\n            width: 100%;\n            max-width: 450px;\n            display: flex;\n            font: 700 20px\/28px \"Lato\", \"Helvetica Neue\", Arial, sans-serif!important;\n            margin: 25px 0 25px!important;\n            text-align: left;\n        }\n\n        .article-cta-button {\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            height: 47px;\n            width: 212px;\n            padding: 0px 25px;\n            box-shadow: 0 4px 8px 0 rgb(255 0 131 \/ 20%);\n            border-radius: 5px;\n            margin-left: 40px;\n            font: 700 1rem \"Lato\",\"Helvetica Neue\",Arial,sans-serif;\n            position: relative;\n            text-decoration: none;\n            text-transform: uppercase;\n            overflow: hidden;\n            white-space: nowrap;\n            text-overflow: ellipsis;\n            user-select: none;\n            transition: background-color .3s,color .3s,border-color .3s;\n            background-color: #ff0083;\n            color: #fff!important;\n            border: 0;\n            box-shadow: 0 10px 40px -10px rgb(255 0 131 \/ 50%);\n            transform: translateY(0);\n            transition: all .2s,transform .5s;\n        }\n\n        .article-cta-button:hover {\n            background-color: #dc0073;\n            text-decoration: none!important;\n        }\n\n        \/* mobile tweaks *\/\n        @media only screen and (max-width: 768px){\n            #article-cta-block_6146dc5378e55 {\n                font: 700 22px\/27px \"Lato\", \"Helvetica Neue\", Arial, sans-serif;\n                min-height: 220px;\n                height: 100%;\n                padding: 15px 15% 31px;\n                width: 100%;\n                display: flex;\n                flex-flow: column;\n                align-items: center;\n                justify-content: center;\n                padding: 15px 15px 15px 15px!important;\n            }\n\n            .article-cta-text {\n                display: flex;\n                align-items: center;\n                width: 100%;\n                max-width: 230px;\n                text-align: center;\n                margin-top: 0;\n            }\n\n            .article-cta-button {\n                margin-left: 0;\n            }\n        }\n        \n\n    <\/style>\n<\/div>\n\n\n<p><meta charset=\"utf-8\">Here\u2019s what makes Lemonade different from the rest:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Business model\u00a0<\/h3>\n\n\n\n<p>Traditional insurance companies generate profits from whatever\u2019s left after paying claims and expenses. So, whenever they pay a claim, they actually lose money. This is why getting claims paid by traditional insurers can be hard. Lemonade was built differently. To avoid the conflict of interests traditional insurers have with their customers, we decided to change the way we make money. <br><br>So instead of profiting from unclaimed premiums, we take a flat fee, and donate whatever may be left, after paying claims and expenses, to charities (the Lemonade Giveback).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Price&nbsp;<\/h3>\n\n\n\n<p>Traditional insurance companies have large overheads because they need more employees, and therefore end up charging customers higher premiums. Because of <a href=\"https:\/\/www.lemonade.com\/blog\/saving-80-90-seconds\/\">AI and machine learning<\/a>, Lemonade has lower overheads and can offer homeowners insurance policies from just $25\/month. <br><br>Plus, Maya\u2019s a bot, and she never takes a cut when she sells a policy. She\u2019ll also ease you through the sign-up process and ensure you\u2019re getting the coverage you need, lightning-fast.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Coverage<\/h3>\n\n\n\n<p>A Lemonade Homeowners policy covers your home and property for damages caused by things like wildfires, extreme weather, crime, and vandalism. It also protects you against liability claims for damages you accidentally cause others, like if you cut a tree down in your yard and it falls on your neighbor\u2019s car. <br><br>In cases where your home becomes unlivable, we\u2019ll also cover the costs of alternative living arrangements. With a Lemonade\u2019s homeowners policy you can also purchase Extra Coverage, water backup damage coverage, Equipment breakdown coverage and Buried Utility coverage.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Customer Satisfaction&nbsp;<\/h3>\n\n\n\n<p>With traditional insurance carriers, you might get some one-on-one attention, either in-person from an insurance agent or over the phone, but it\u2019s unlikely they\u2019ll give you a quote on the spot.&nbsp;<\/p>\n\n\n\n<p>You\u2019ll also have stacks of paperwork to sign. Lemonade relies on tech and AI to change the field, but that doesn\u2019t mean we\u2019ve forgotten how important a human touch is. While AI Maya expertly handles more than a quarter of all basic customer inquiries, we know the value of personalized interactions. Because Maya takes care of the small tasks, it frees up our (human) support team to help with particularly complicated insurance questions, like <a href=\"https:\/\/www.lemonade.com\/blog\/engagement-ring-insurance\/\">how to replace a lost engagement ring<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Quick Claims&nbsp;<\/h3>\n\n\n\n<p>While AI Maya is the helpful bot who gets your policy off the ground, AI Jim is the one who handles, investigates, and settles claims. He saves our Claims Experience Team 58,246 hours per year by using anti-fraud algorithms, claim data aggregation, and instant claims. <br><br>To make a claim you just need to open your app, tap the claim button and tell us what happened. Some claims can be paid instantly, and for those that aren\u2019t a dedicated team of humans will take over your case and be in touch with you directly.&nbsp;<\/p>\n\n\n<div id=\"article-cta-block_614717a578e56\" class=\"article-cta\">\n    <p class=\"article-cta-text\">Get America&#8217;s Top Rated Home Insurance Starting from $25\/month <\/p>\n    <a class=\"article-cta-button content_article_cta\" data-track=\"content_article.cta.clicked\" href=\"https:\/\/www.lemonade.com\/start\/1?f=1&#038;ownership=owner\">Get a Quote <\/a>\n    <style type=\"text\/css\">\n        #article-cta-block_614717a578e56 {\n            height: 80px;\n            width: 100%;\n            max-width: 700px;\n            display: flex;\n            flex-flow: row;\n            align-items: center;\n            justify-content: space-around;\n            background: #F7F7F7;\n            border: 1px solid #ECECEC;\n            border-radius: 5px;\n            padding: 15px 15px 15px 30px!important;\n            cursor: pointer;\n        }\n\n        .article-cta-text {\n            width: 100%;\n            max-width: 450px;\n            display: flex;\n            font: 700 20px\/28px \"Lato\", \"Helvetica Neue\", Arial, sans-serif!important;\n            margin: 25px 0 25px!important;\n            text-align: left;\n        }\n\n        .article-cta-button {\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            height: 47px;\n            width: 212px;\n            padding: 0px 25px;\n            box-shadow: 0 4px 8px 0 rgb(255 0 131 \/ 20%);\n            border-radius: 5px;\n            margin-left: 40px;\n            font: 700 1rem \"Lato\",\"Helvetica Neue\",Arial,sans-serif;\n            position: relative;\n            text-decoration: none;\n            text-transform: uppercase;\n            overflow: hidden;\n            white-space: nowrap;\n            text-overflow: ellipsis;\n            user-select: none;\n            transition: background-color .3s,color .3s,border-color .3s;\n            background-color: #ff0083;\n            color: #fff!important;\n            border: 0;\n            box-shadow: 0 10px 40px -10px rgb(255 0 131 \/ 50%);\n            transform: translateY(0);\n            transition: all .2s,transform .5s;\n        }\n\n        .article-cta-button:hover {\n            background-color: #dc0073;\n            text-decoration: none!important;\n        }\n\n        \/* mobile tweaks *\/\n        @media only screen and (max-width: 768px){\n            #article-cta-block_614717a578e56 {\n                font: 700 22px\/27px \"Lato\", \"Helvetica Neue\", Arial, sans-serif;\n                min-height: 220px;\n                height: 100%;\n                padding: 15px 15% 31px;\n                width: 100%;\n                display: flex;\n                flex-flow: column;\n                align-items: center;\n                justify-content: center;\n                padding: 15px 15px 15px 15px!important;\n            }\n\n            .article-cta-text {\n                display: flex;\n                align-items: center;\n                width: 100%;\n                max-width: 230px;\n                text-align: center;\n                margin-top: 0;\n            }\n\n            .article-cta-button {\n                margin-left: 0;\n            }\n        }\n        \n\n    <\/style>\n<\/div>","protected":false},"featured_media":17989,"template":"","class_list":["post-17951","article","type-article","status-publish","has-post-thumbnail","post-hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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