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I’m thinking about getting insurance and Lemonade’s low prices caught my eye, but I’ve seen some concerning things online. Some folks say their claims process is a nightmare with slow responses and incorrect information. Others mention unexpected extra charges for car insurance. Then there are people who had quick and easy experiences, especially with simple claims. With such mixed reviews, I’m wondering if the savings are worth the potential headaches. What have your experiences been with Lemonade?
As someone who had a fire in my apartment, my experience with Lemonade was awful because my adjuster was constantly unreachable, being out of the office or on breaks. It took weeks for them to send a vendor for my furniture, and by then it was almost thrown away. This left me homeless and without furniture for a month after the fire. I definitely wouldn’t recommend them based on my claim experience.
I actually had a pretty smooth experience with Lemonade renters insurance when my phone was stolen. I filed a police report and sent it to them, and they reimbursed me the cost of my phone. Even though they said my rates might go up, they never did, and I’m still paying just $6 a month. For a simple claim, they were great for me.
I tried Lemonade for car insurance thinking I’d save money with their initial $573 for six months, but I ended up being charged an extra $40-$95 every month. Even though I don’t drive much, mostly just picking up my kid and going to the office twice a week, the extra charges made it not worth the initial low price. I’m now looking to switch to a different company.
From what I’ve seen, Lemonade seems okay for very basic issues, like theft, where the AI can probably handle it quickly. However, for more complex claims, like the person dealing with a severe smell making their home uninhabitable, they faced denial and inadequate automated responses despite providing lots of documentation. It seems their tech focus isn’t enough for everything.
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