Auto-Owners Homeowners Insurance vs. Lemonade Renters Insurance
Side-by-side comparison · Updated 2026 · Independently reviewed
Auto-Owners Homeowners Insurance
Auto-Owners Insurance
4.5
Avg ~$1,400/yr. Lowest complaint ratio. Agent-only. 26 states. A++ AM Best.
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. Auto-Owners Homeowners Insurance may still be worth a quote depending on your location and coverage needs — premiums vary widely.
Feature
Auto-Owners Homeowners Insurance
Lemonade Renters Insurance
WealthSpott Rating
4.5 / 5
4.5 / 5
Coverage Type
Home Insurance
Renters Insurance
Avg Annual Premium
~$1,400/yr
~$118/yr Best
AM Best Rating
A++
—
J.D. Power Score
882 / 1000
— Best
Mobile App Rating
—
—
Auto-Owners 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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