I'm a happy Lemonade customer. I signed up because a) the policy was dirt cheap, and b) the policy agreement was clear and also quite generous. It was not AI-generated: it's just a PDF like every other insurance policy agreement. And the policy was only so cheap because they let you take out a policy with a lower coverage limit than you would normally be able to find from a traditional insurer. Moreover, I didn't get pushy sales calls after getting a quote (Liberty Mutual was particularly offensive in this regard).
I was skeptical, then my phone got stolen. I reached right out to their "emergency hotline" and told them what happened. After some initial confusion I got to work directly with a customer service rep who basically bent over backwards to ensure that I was satisfied. It didn't seem like a terribly sustainable way to do things, and I wouldn't expect that kind of service once they start to grow, but it worked out great for me and I sure as heck got my money's worth in coverage.
I was skeptical, then my phone got stolen. I reached right out to their "emergency hotline" and told them what happened. After some initial confusion I got to work directly with a customer service rep who basically bent over backwards to ensure that I was satisfied. It didn't seem like a terribly sustainable way to do things, and I wouldn't expect that kind of service once they start to grow, but it worked out great for me and I sure as heck got my money's worth in coverage.