Amica Mutual Homeowners Insurance vs. Lemonade Renters Insurance

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

Amica Mutual Homeowners Insurance

Amica Mutual

4.6

J.D. Power 906/1000. Annual dividends reduce premiums 5–20%. Best claims handling.

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

Amica Mutual Homeowners Insurance and Lemonade Renters Insurance are closely matched. Get quotes from both — insurance premiums vary significantly by location, coverage level, and personal risk factors.

Feature

Amica Mutual Homeowners

Lemonade Renters Insurance

WealthSpott Rating

4.6 / 5 Best

4.5 / 5

Coverage Type

Home Insurance

Renters Insurance

Avg Annual Premium

~$2,000/yr

~$118/yr Best

AM Best Rating

—

J.D. Power Score

—

Mobile App Rating

—

Amica Mutual Homeowners Insurance

Full review

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

Full review

Not sure which insurer is right for you?

Browse all insurance