American Family Homeowners Insurance vs. Lemonade Renters 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 Renters Insurance
Lemonade
4.5
From $5/mo. Avg $118/yr. AI claims paid in minutes. App-first experience.
Full review →WealthSpott Verdict
Lemonade Renters 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 Renters Insurance
WealthSpott Rating
4.2 / 5
4.5 / 5 Best
Coverage Type
Home Insurance
Renters Insurance
Avg Annual Premium
~$1,900/yr
~$118/yr Best
AM Best Rating
A
—
J.D. Power Score
831 / 1000
— Best
Mobile App Rating
—
—
American Family Homeowners Insurance
Lemonade Renters Insurance
Pros
- Policies from $5/month
- Policies from $5/month
- AI claims paid in minutes
- AI claims paid in minutes
- B Corp — donates unused premiums
- B Corp — donates unused premiums
Cons
- Limited customization options
- Limited customization options
- Not ideal for high-value belongings
- Not ideal for high-value belongings
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