Meet The Lemonade Community

What comes to mind when you hear ‘insurance?’

Insurance is typically a pain in the ass!

What about ‘Lemonade insurance?’

I’ve had Lemonade for about three years. It has been out of sight, out of mind for me. But recently, my car was broken into, and I had a lot of stuff stolen. I was like, “oh, I think my renters insurance covers this,” so I filed a claim on the Lemonade app.

How was your experience filing the claim?

It was great. I had a phone call with Megan, a claims rep, and she was really good about communication. She kept me updated throughout the process. I never wondered what was going on. It took ten days, and my claim was approved. It was easy.

Aside from your claim, how's your experience with Lemonade?

It’s been good. I wanted to know that if something bad happened, I would have peace of mind. I like the Giveback program, where unused premiums are donated to charity.

Do you ever talk to your friends about Lemonade?

All the time! I just made a recommendation to someone the other day. I’ve referred 4 friends. I’ve had such a great experience with Lemonade, so I’m always telling other people about it.

What comes to mind when you hear ‘insurance?’

Confusion!

What about ‘Lemonade insurance?’

Lemonade is far less intimidating than other insurance companies. It breaks down this intimidation barrier because it feels very approachable.

Why did you decide to get renters insurance in the first place?

I was moving, and I was going to live without roommates for the first time. I wanted more security and safety. And I didn’t want to screw up on my very first lease – I wanted to cross my t’s, dot my i’s, and protect myself just in case.

How did you hear about Lemonade?

I read something about Lemonade in Refinery 29. I saw that it was an app, so I could get renters insurance on my phone, and I saw that it was very quick and easy. Lemonade walks you through all the steps of getting a policy very clearly, which was what I wanted. I thought if I were to call a big insurance company, they’d take advantage of me because I don’t know what I’m doing.

How was your experience getting Lemonade?

It was super easy. The whole thing took a couple of minutes. I signed up, and then it told me exactly what kind of coverage I probably need.

Have you ever filed a claim with Lemonade?

Yeah. My apartment was broken into, and a lot of my stuff was stolen. When I filed my claim, I found pictures of the stuff that was stolen, and simply uploaded them to the app. I appreciate being able to do everything on the app, but it was also great to have my claims rep call me, so I could be sure we were all set.

How was your experience filing the claim?

I had a really good experience. I appreciated was how quick everything was – I literally got the money the day after I filed my claim. I was preparing to fight with my insurance company, but it ended up being super easy and helpful. I’m going to recommend this to a lot of people.

What comes to mind when you hear ‘insurance?’

Something that protects you from the dangers of everyday life – but you hope you’ll never need to use.

What about ‘Lemonade insurance?’

Cool insurance. Other insurance companies try so hard to be cool, but Lemonade really caters to Generation Z in terms of the speed and ease of it. The aesthetic is just really good.

How did you hear about Lemonade?

I saw an Instagram ad for it. I saw that Lemonade had a lot of good claims reviews, and it looked like a lot of people my age were using it. I was like, ‘this seems pretty easy.‘

How was your experience getting Lemonade?

It’s been really good. I like how personable it is. When I get emails, they’re fun and not annoying. It was also really helpful that I didn’t have to call anyone when I was setting up my policy, and wait on hold. I could just talk to somebody right there, and they gave me the tools I needed. It felt like taking a short BuzzFeed quiz.

What comes to mind when you hear the word ‘insurance’?

A good safety net that I’ll hopefully never have to use.

How did you decide to get renters insurance?

It was always one of those things I felt like I was supposed to do, and was finally like ‘Oh, you know what, renters insurance is very affordable, why not just do it?’ And I had also just gotten engaged, so I knew I should probably get my ring insured.

How did you decide to get Lemonade?

I read about Lemonade in an article. When I saw the $5/month, I was like, ‘This seems like an easy decision. $5, $10 a month is worth it, just don’t drink a coffee!’ I looked at one other option, and it was really boring looking. Lemonade made me feel happy!

What’s your favorite thing about Lemonade?

How easy it was. I got in a car accident in the past, and dealing with my insurance claim was just not fun. I liked that Lemonade’s onboarding process was really easy. It was less daunting than having to talk to someone, and I could also do it on my own time.

Do you ever talk to your friends about Lemonade?

I talked to my husband about it. But I don’t think I’ve actually talked about renters insurance coverage with anyone. At the same time, it seems like such a basic thing that’s so affordable. In the same way you should keep a box of bandaids at home, it’s so obvious you should have insurance. There’s no reason you should trade it for a latte.

Anything you want to add?

I just remember that signing up for Lemonade was really fun and easy, and it left a really great impression because I knew if I ever have to make a Lemonade claim, that’s what the experience would be like. The fact that I signed up a year ago and still remember that speaks strongly to the experience Lemonade built.

What comes to mind when I say insurance?

Frustration.

How'd you hear about Lemonade?

A friend, actually. I used to have insurance with another company, but they upped my rates, and I wasn’t happy with their service. My friend was like, “Oh, get Lemonade! It costs $25/month.”

How was your experience getting a policy?

First off, the price was good.  Lemonade also insured my bike and my violin, which my last insurer didn’t cover. So it ended up being a great deal. The customer service at Lemonade has been great.

Any pain points?

Nope! My last insurer created such an annoying situation where I was constantly going back and forth on emails, waiting for a quote. With Lemonade, I just a quote right there, on my couch. So it was just a lot easier. I filed a claim, and my whole experience has been awesome.

What happened with your Lemonade claim?

My old air conditioner got clogged, and started spewing water all over my floor. And it damaged the wall. It was a mess.

Then what happened?

My contractor produced a quote, I gave it to Lemonade, their adjuster agreed, and Lemonade gave me money. Now, my house is fixed! My Lemonade claim took a minimal amount of time and effort, and I wasn’t stressed out about it. There was never one point where I felt like I was frustrated with Lemonade. I was honestly more frustrated with my contractor.

What’s your favorite part about Lemonade?

I usually like interacting with people, but I liked that with Lemonade I didn’t have to call anyone. Email is just so much easier, and also great that I can do everything from the app. When I needed to talk to a person – when I had to file a claim – there was a person right there.

Do you ever talk to your friends about Lemonade?

Whenever people tell me they don’t have insurance, I’m like you should try Lemonade, because it’s so easy.

Anything else you’d like to add?

I feel like my interaction with my insurance company has surpassed what I would expect. Going back to that question of what I think of when I think about insurance, frustration really comes to mind for a lot of people. With my experience with Lemonade, I didn’t have that, and I know a lot of people do with other companies.

What comes to mind when you hear ‘insurance’?

A real pain.

What about ‘Lemonade’?

My insurance company that saved me when I had a problem. Lemonade makes insurance a whole lot easier.

How'd you hear about Lemonade?

Instagram! I was already looking for homeowners insurance, and every company seemed so sketchy and indirect. I ended up going with Lemonade, especially because the pricing was very competitive.

How was your experience getting a policy?

I appreciated how easy the Lemonade interface was. Once I downloaded the app, and filled out the questions, it seemed very straightforward. I really liked how everything was so user friendly. The policy itself was also very easy to read. And I liked using the app, especially when filing a claim.

What happened with your claim?

I was very distraught at first. I had never filed a claim with home insurance before. I was really surprised that it was a chat with AI, where they requested a video, where I could actually express what happened without worrying about word count. And I could express the distress I felt over the fact that my jacket was stolen at a black tie event. The overall experience of filing my claim was very painless. Lemonade didn’t ask for anything unreasonable.

Did you experience any pain points along the way?

Nope, no pain points. It was very smooth. I liked that Lemonade gave me an expectation of when I’d hear back. It was a big ticket item that was stolen, so I was anxious to know if it would be covered. Lemonade’s claims process really underscored the value of having a Lemonade policy. I’ll never not have homeowners insurance again. I am so pleased with the Lemonade experience that I think I will be a customer for a long time.

What’s your favorite thing about Lemonade?

I don’t have to call and stay on the line forever, I don’t have to fill out a million forms. It’s a very easy interface on my phone, which I’m already always on. And everything is communicated through email, text, and the app, and there’s a very clear, transparent approach to what’s covered and what’s not by homeowners insurance. I also like the fact that Lemonade donates money to community causes through their Giveback program. That was very unusual to me.

Do you ever talk to your friends about Lemonade?

Yes! I complained to everyone about how my jacket was stolen, and then I went back to them saying oh my gosh, Lemonade covered it. So my friends definitely got an earful about my positive experience with Lemonade.

What comes to mind when you hear ‘insurance’?

Security, but do I really need it?

What about ‘Lemonade’?

Innovative!

How’d you hear about Lemonade?

I first read about Lemonade in an article in The Economist. I did some more research, and really liked the business model with aligned incentives. It was cool, and a clever use of technology. That article made me want to support Lemonade.

So how was your experience signing up for Lemonade?

There was definitely an element of skepticism, like is this legit? Because with Lemonade’s interface, it was super slick and easy to walk through, so it seems like it can’t be possibly be sophisticated enough for homeowners insurance. My mortgage agent was also skeptical.

How did you get over that initial skepticism?

We did research, and after reading so much about Lemonade, we decided Lemonade was definitely legit.

How was the price was compared to other insurance companies?

I think the quote for Lemonade’s homeowners insurance coverage was comparable with the others. Maybe slightly cheaper, but I definitely didn’t make it my decision based on price.

What’d you base it on?

This idea that this is an interesting business model, and an interesting way of incentivizing people not to make false insurance claims. And if Lemonade’s using technology that doesn’t require expensive employees or offices, they should use more of the savings for claims.

Have you ever talked to your friends about Lemonade?

When anyone – even not a friend – mentions insurance or moving to a new apartment, I always mention Lemonade. I just found out the person sitting next to me at TED uses Lemonade! So she and I did a little high five.

What comes to mind when you hear ‘insurance’?

Scam, I don’t need it, it’s a lot of money, and I’m going to get screwed.

What about ‘Lemonade’?

The easiest solution to this stupid antiquated system. Lemonade is a result of a natural progression of where things are headed – the way Uber fixed the taxi problem and Seamless fixed food delivery. Of course it would come to insurance – It was only natural.

How was your experience getting Lemonade?

When I was getting my homeowners insurance, I called Liberty Mutual since my parents use them. They quoted me on some insane number. Then my broker recommended Lemonade. I was like, ‘This is great, it’s an app, I don’t have to talk to anyone on the phone. I can just do it easily.’

How did Lemonade’s price compare to your other quotes?

It was way, way cheaper than my other homeowners insurance quotes. It was around a half or a third of the price. Lemonade asked questions about lowering your price, and the other insurance companies didn’t.

What’s your favorite thing about Lemonade?

I love how fast and easy it is. I can open it, I can check it, I can change it, whatever, whenever. There’s no hassle. And it’s cheap too, and very efficient. It makes me feel comfortable about something that I probably don’t want to deal with.

Do you ever talk to your friends about Lemonade?

I recommended it to my friend who was buying a home at the time, and he got it. I was like, “My broker told me about this great app, you can get it instantly for super cheap,” and he was like, “Oh of course I’ll get it.” It just makes sense. Every time I tell people about it, they’re like oh duh, that makes sense.

Anything else you want to add?

I also really loved the Giveback part of it. I wanted to get Lemonade anyway – because it was cheaper – but it was nice to know that Lemonade’s not just sitting on their money. It just made me feel good about using the company, because I was like oh, they’re good people. Overall, great experience. I was just surprised that I hadn’t heard of it. But why would I have heard of it? People don’t go around talking about insurance.

What comes to mind when you hear the word 'insurance'?

Very dreadful. And, ‘Why am I spending this much money on something I rarely use?’

How did you hear about Lemonade?

One of my coworkers uses it. He said it was great, so I signed up!

Were you looking for insurance at the time?

I was sort of thinking about it. In the past, my house flooded from Hurricane Sandy, so the #1 thing everyone asked me was, ‘Do you have renters insurance coverage?’ And I was like, ‘No.’ Everyone told me I needed to get it. Nothing valuable got damaged during the storm, but after it happened, I decided to get renters insurance. So I went will Allstate, and it was horrible.

Why was it horrible!?

They wouldn’t stop emailing me, badgering me with all their promotions, and sending me paper letters. I also dreaded going onto their site, I dreaded paying for it. So I canceled it. I would rather not pay for renters insurance so I don’t have to deal with this dreadful situation.

So how was your experience getting a Lemonade policy?

I appreciated how simple it was to sign up, and the design of it is very friendly and easy to use. And the price is definitely affordable. I also feel like Lemonade is very transparent, while other insurance companies are trying to melt the money out of you.

What’s your favorite part about Lemonade?

I just love how affordable it is. I really appreciate the app, because you can go into it and see what else you can insure. It’s super easy.

What about Lemonade would you change?

Um, I’m not sure. I think it’s great right now.

Other than the time you talked to your coworker about it, do you ever talk to your friends about Lemonade?