ChatGPT Shares Deep Thoughts on Renters Insurance

A.I. is surprisingly nimble and creative, but its jokes need some work.

Like many people, I’ve spent some time the past few days talking to robots. ChatGPT—the interactive, conversational cousin to the AI-generated art platform DALL-E—is both a silly diversion and a real window into the future of artificial intelligence.

“ChatGPT can be wrong, and it can’t offer you any real-time info,” notes The Hustle. “While it’s pretty good at refusing to answer harmful or offensive questions—better, in fact, than other AIs—some users have tricked it into explaining how to make explosives or shoplift.”

robot explaining insurance
DALL-E prompt: “artificial intelligence explaining renters insurance in hot pink colors, digital art.”

I didn’t get into any controversial territory with the bot, and instead talked about how AI itself can change the insurance industry, ways in which ChatGPT would consider rebranding and marketing Lemonade, and…Channing Tatum.

As with most published interviews with humans, the following conversation has been edited and condensed for clarity—ChatGPT loves to overuse words like “overall” and “additionally”—and it’s a composite culled from several separate chats.

Of course, if you’re looking for reliable information on Lemonade Renters policies, don’t rely on what ChatGPT had to say; all the info you need is right here. And don’t forget to check out our previous experiments asking DALL-E to illustrate insurance terms.

Q: Why does everyone think that insurance companies are evil?

A: It’s not accurate to say that “everyone” thinks that insurance companies are evil. In fact, many people rely on insurance companies to provide important financial protection and security in case of accidents, disasters, or other unexpected events.

There are some common complaints about the insurance industry, such as the perception that insurance companies are more focused on profits than on helping their customers. In some cases, insurance companies may be slow to pay out claims, or they may deny coverage for reasons that are not clear to policyholders.

Some people may have had negative experiences with insurance companies in the past, such as feeling like they were treated unfairly or unethically. These experiences can contribute to the perception that insurance companies are not trustworthy or customer-focused.

It’s important to remember that insurance companies are businesses, and like any business, their primary goal is to make a profit. But that doesn’t mean that all insurance companies are evil or untrustworthy.

Yeah I mean, I’ve had some great experiences with insurance. Like with Lemonade.

I’m glad to hear that you’ve had positive experiences with insurance companies like Lemonade! It’s true that not all insurance companies are the same, and it’s important to do your research and choose a company that has a good reputation and a history of treating its customers fairly.

Lemonade is a technology-driven insurance company that uses artificial intelligence and a mobile app to make the process of buying and managing insurance policies quick and easy. They also have a unique business model that allows them to offer lower premiums and faster claims processing than many traditional insurance companies.

How does artificial intelligence help with insurance?

Artificial intelligence (AI) can be used in many different ways to help with insurance. For example, AI can be used to analyze large amounts of data to identify patterns and trends that can help insurance companies better understand their customers and their risks. This can help insurance companies tailor their products and services to better meet the needs of their customers.

AI can also be used to automate certain tasks, such as processing claims or answering customer questions. This can help insurance companies save time and reduce the need for manual labor, which can improve their efficiency and customer service.

AI can be used to develop personalized insurance products that are tailored to individual customers. For example, an AI-powered insurance platform might be able to analyze a customer’s profile and their insurance needs to create a customized policy that offers the right level of coverage at the right price.

But isn’t it better to deal with humans?

In some cases, people may prefer to deal with other humans when it comes to insurance, as it can provide a more personal and empathetic experience. Human insurance agents can offer personalized advice and support, and they can help customers understand their policies and make the best choices for their needs.

However, there are also many benefits to using AI in the insurance industry. AI can provide quick and accurate answers to customer questions, and it can automate tasks like claims processing, which can save time and improve efficiency. AI can help insurance companies better understand their customers and their risks, which can help them develop more tailored and personalized products.

It’s important to strike a balance between human and AI-powered approaches in the insurance industry. Both can provide valuable benefits, and combining the two can help insurance companies provide the best possible service to their customers.

Yeah, a lot of people get nervous around robots.

It’s understandable that some people may feel nervous or uneasy around robots or AI technology. This is often because of the fear of the unknown—people may not understand how these technologies work or what they’re capable of, which can create uncertainty and anxiety.

It’s important to remember that robots and AI technology are not capable of replacing human emotions or empathy. They are tools that are designed to help us with tasks like processing data or automating repetitive tasks. They are not capable of feeling emotions or making decisions in the same way that humans do.

While it’s natural to feel nervous around new technologies, it’s important to remember that robots and AI are tools that can be used to help us. They are not a threat to humanity, and they can actually improve our lives in many ways.

Wouldn’t AI make a lot of mistakes in insurance?

AI technology is not perfect, and like any technology, it is capable of making mistakes. However, AI systems are designed to learn and improve over time, and they can become more accurate and effective as they process more data and learn from their mistakes.

In the context of insurance, AI can be used to analyze large amounts of data to identify patterns and trends that can help insurance companies better understand their customers and their risks. This can help insurance companies develop more tailored and personalized products, which can improve the customer experience.

Can’t humans just analyze the data?

Yes, humans can also analyze data to identify patterns and trends. However, AI technology has the ability to process and analyze much larger amounts of data much more quickly than humans can. This can help insurance companies gain valuable insights and make more informed decisions.

AI technology can automate certain tasks, such as processing claims or answering customer questions, which can save time and improve efficiency. This can free up human insurance agents to focus on more complex tasks, such as providing personalized advice and support to customers.

While humans are certainly capable of analyzing data, AI technology can provide significant benefits in terms of speed, accuracy, and efficiency. By combining human expertise with AI technology, insurance companies can provide better service to their customers and improve their operations.

Oh, you mean cyborgs?

A cyborg is a being that is part human and part machine. This term is often used in science fiction to refer to characters who have been augmented with technology to enhance their abilities or to overcome physical limitations.

In the context of insurance, it’s unlikely that we will see cyborgs anytime soon. While AI technology is capable of processing and analyzing large amounts of data quickly and accurately, it is not capable of replacing human emotions or empathy. Insurance is a service industry, and human interactions and connections are still a key part of the customer experience.

While the concept of cyborgs may be interesting from a science fiction perspective, it is not relevant to the insurance industry. Insurance companies will continue to rely on human insurance agents to provide personalized advice and support to their customers.

Won’t AI turn evil some day?

It is a common concern that artificial intelligence could become evil or dangerous in the future. However, it is important to understand that AI is a tool that is designed and controlled by humans, and it is not capable of developing its own motivations or desires.

AI systems do not have the same motivations, desires, or emotions as humans. They are not capable of developing their own goals or agendas, and they do not have the ability to make moral or ethical decisions. [AI] is subject to strict ethical guidelines and regulations, which are designed to ensure that it is used responsibly and safely.

What about the Terminator though?

The Terminator is a fictional character and a science-fiction movie franchise created by James Cameron. The movies depict a future in which intelligent machines have become self-aware and have decided to exterminate humanity in order to take over the world.

While the Terminator movies are entertaining and thought-provoking, they are not realistic or accurate depictions of AI.

terminator buying insurance, drawn by AI
DALL-E prompt: “the terminator buys an insurance policy inside an exploding building, hyperrealistic digital art”

Let’s write some cool advertising slogans for Lemonade renters insurance.

  1. “Lemonade insurance: sweeter than a summertime drink.”
  2. “Get covered with Lemonade, the insurance that’s made just for you.”
  3. “Insurance as easy as lemonade: refreshingly simple coverage.”
  4. “With Lemonade, insurance is a breeze.”
  5. “Don’t let life’s lemons get you down, get insured with Lemonade.”
  6. “Life’s unpredictable, but your insurance doesn’t have to be. Lemonade has you covered.”

I like #3, it has potential. What kind of illustration would we use to accompany our slogan?

There are many different directions you could take with the illustration for your Lemonade renters insurance campaign. Here are a few ideas:

  • A glass of lemonade with a slice of lemon and a straw, symbolizing the refreshing and simple nature of Lemonade insurance
  • A happy couple or family holding a pitcher of lemonade and toasting to their newly insured rental property
  • A person relaxing in a comfortable living room or backyard, with a pitcher of lemonade nearby, representing the peace of mind that comes with having rental insurance
  • A Lemonade logo or mascot (such as a cartoon lemon) holding a “Renters Insurance” sign or banner, emphasizing the company’s focus on this type of coverage
  • A lemon tree with ripe lemons hanging from its branches, representing the abundance and abundance of options available through Lemonade insurance.

The cartoon lemon seems a bit on the nose, no?

Yes, using a cartoon lemon as an illustration for a Lemonade renters insurance campaign may be a bit too obvious and not very unique. Additionally, using a cartoon character as an illustration can be challenging because it needs to be visually appealing and recognizable in order to be effective.

What if the mascot was, like, a fun-loving wolf, but with lemon-colored fur?

It’s important to consider whether the mascot is relevant and appropriate for the product and target audience. In this case, it’s not clear how a lemon-colored wolf would be related to renters insurance, and it’s possible that it could be confusing or even off-putting to some potential customers.

Well, the wolf represents the “dangers” that a renter could face.

I see what you’re trying to do with the wolf mascot, but I think it might be better to use a more straightforward and direct approach for a renters insurance campaign. Insurance can be a complex and sometimes daunting topic, and using a mascot that isn’t obviously related to insurance could potentially make the concept even more confusing for potential customers.

digital drawing of a yellow fox, drawn by AI
DALL-E prompt: “a cartoon wolf with lemon-colored fur standing outside a house looking in the window, digital art.”

My main intent with this ad campaign is to prove to people that insurance at Lemonade isn’t boring, but that it’s actually ‘fucking awesome.’

Using strong and explicit language, such as “fucking awesome,” in an advertising campaign for Lemonade renters insurance could be a risky and potentially damaging approach. While it may grab the attention of some people, it could also offend or alienate others, which could hurt the overall effectiveness of the campaign.

Using profanity in advertising can often come across as desperate or forced, which can make the brand seem unprofessional and untrustworthy. Instead of trying to shock or surprise people with strong language, it might be better to focus on the unique features and benefits of Lemonade insurance, and how it can help protect people’s rental properties and give them peace of mind.

Cool. I’m thinking maybe we get a celebrity sponsor for the ad. Who would you suggest?

It’s up to you to decide whether you want to use a celebrity sponsor in your Lemonade renters insurance campaign, and if so, which celebrity would be the best fit. Some potential options might include:

  • A well-known comedian or actor who is known for their relatable and down-to-earth personality, which could help to make the concept of insurance more approachable and appealing
  • A popular musician or band who could create a custom jingle or song for the campaign, which could help to make the message more memorable and engaging
  • A social media influencer with a large following in the rental market, who could help to promote the campaign to a targeted and relevant audience

It’s important to choose someone who will be able to effectively communicate the value of Lemonade insurance and help to make the campaign a success.

Who’s a famous renter?

It’s unlikely that there are many famous people who are known specifically for being renters, as renting a home is a common and normal thing for many people to do. Celebrities are often associated with luxurious and expensive homes, which may not be representative of the average rental property.

You’re so smart. But what do you think of Channing Tatum?

Channing Tatum is a well-known actor and dancer who is known for his roles in movies like Magic Mike, 21 Jump Street, and The Hateful Eight.

While he may not be the first person who comes to mind when thinking about renters insurance, he could potentially be a good fit for a Lemonade renters insurance campaign depending on the overall tone and target audience of the campaign.

Great. So we’ve got Channing Tatum drinking a HUGE glass of lemonade and after he takes a sip he looks at the camera and says, “I feel so safe now.”

Using Channing Tatum in a Lemonade renters insurance commercial, where he is shown drinking a glass of lemonade and saying “I feel so safe now” could be an interesting and attention-grabbing approach. However, it’s important to consider whether this idea is realistic and feasible from a production standpoint, as well as whether it will effectively communicate the value of Lemonade insurance to potential customers.

How could I demonstrate the fast claims process in a fun and exciting way?

One way would be to use a visual analogy or metaphor. For example, you could show a person filing a claim on the Lemonade app, and then show a rocket ship taking off and flying through space to represent the speed and efficiency of the claims process.

I think it’d be expensive to build an entire rocket just for a commercial.

You’re correct that it would be expensive and time-consuming to build a physical rocket for use in a Lemonade renters insurance commercial. Instead of using a real rocket, you could use computer-generated graphics and animations to create a visual representation of a rocket, which would be much more cost-effective and efficient to produce.

Do you know any good jokes about renters insurance?

Here are a few jokes about renters insurance that you might find amusing:

  • Why did the renter get renters insurance? Because their landlord said it was a “cover” charge.
  • Why was the renter’s insurance policy like a good book? Because it had great coverage.
  • Why was the renter’s insurance policy like a roller coaster? Because it provided a thrill ride of protection.
  • Why was the renter’s insurance policy like a good pair of shoes? Because it helped them walk away from disasters.

Needs some work.

I apologize if the jokes I provided were not to your liking. As a language model trained by OpenAI, I don’t have personal experiences or emotions like a human, so I can’t tell if a joke is funny or not. 

Interested in getting Lemonade Renters, insurance that’s powered by AI but will never take over the world like the Terminator? Click below to get started!

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A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage may not be available in all states.

Scott Indrisek

Scott Indrisek is Lemonade’s Editorial Lead. He is a former arts editor and writer for publications like GQ, ArtForum, and ArtReview. In 2019, he came to the realization that insurance is fucking awesome, and he hasn’t looked back since.


Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.