The best non-life insurance for 2021

Lemonade




Using AI technology, Lemonade offers easy-to-manage tenant insurance coverage starting at just $ 5 per month and scores top marks for customer satisfaction.

Advantages
  • Tenant insurance starting at $ 5 per month

  • High customer satisfaction rates

  • Application-based and easy to manage

  • Excess profits are donated to selected causes

  • 90 seconds to buy a blanket

  • Three minutes to get paid for complaints

Since its introduction in 2015, Lemonade has aimed to disrupt the traditional model of tenant and landlord insurance. The policies, which are managed through a top-notch mobile app, provide instant protection for clients looking for tenant, landlord, condo, or co-op insurance, and even pet coverage, all on one. excellent price.

We chose Lemonade as our top pick for tenant damage coverage because they offer policies starting at just $ 5 per month, claims are easy to file and pay instantly, and the carrier receives top satisfaction ratings. of customers. Its mobile app makes it easy to buy or manage your policy, file a claim and even cancel coverage day or night.

You can purchase a policy online in about 90 seconds, and approved claims get paid in just three minutes. Claim payments are issued directly to your bank account, less your deductible.

Online quotes can be obtained in minutes from your computer or smartphone. If you prefer to work with a real person to manage your policy, be aware that there are no agents at Lemonade. Additionally, customer service is limited to emails; they provide a telephone number in an emergency or when you cannot access your policy by computer or over the phone. However, there is no dedicated toll-free number for everyday questions.

Although Lemonade is not yet rated by AM Best, the company has received an A (Outstanding) rating from Demotech for its financial stability. Lemonade also achieved the highest satisfaction rating among tenant insurers in the latest JD Power US Home Insurance study (2020).

Lemonade Renters Insurance is currently available in 27 states and Washington, DC: Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Missouri, Nevada , New Jersey, New Mexico, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, Tennessee, Texas, Virginia, Washington and Wisconsin.

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About Ellen Lewandowski

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