American Family Homeowners Insurance vs. Lemonade Homeowners Insurance

Side-by-side comparison · Updated 2026 · Independently reviewed

American Family Homeowners Insurance

American Family Insurance

4.2

Avg ~$1,900/yr. Dream Home® endorsement. Smart home discounts. 19-state footprint.

Full review →

Lemonade Homeowners Insurance

Lemonade

4.4

Policies from $25/mo. AI claims processing. B Corp certified.

Full review →

WealthSpott Verdict

Lemonade Homeowners Insurance wins on more measurable categories. American Family Homeowners Insurance may still be worth a quote depending on your location and coverage needs — premiums vary widely.

Feature

American Family Homeowners

Lemonade Homeowners Insurance

WealthSpott Rating

4.2 / 5

4.4 / 5 Best

Coverage Type

Home Insurance

Avg Annual Premium

~$1,900/yr

~$1,450/yr Best

AM Best Rating

—

J.D. Power Score

831 / 1000

— Best

Mobile App Rating

—

American Family Homeowners Insurance

Full review

Lemonade Homeowners Insurance

Full review

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