Lemonade Renters Insurance vs. Amica Renters Insurance

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

Lemonade Renters Insurance

Lemonade

4.5

From $5/mo. Avg $118/yr. AI claims paid in minutes. App-first experience.

Full review →

Amica Renters Insurance

Amica Mutual

4.6

Avg ~$107/yr. Lowest rates. #1 customer satisfaction. Dividend payback.

Full review →

WealthSpott Verdict

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

Feature

Lemonade Renters Insurance

Amica Renters Insurance

WealthSpott Rating

4.5 / 5

4.6 / 5 Best

Coverage Type

Renters Insurance

Avg Annual Premium

~$118/yr

~$107/yr Best

AM Best Rating

—

J.D. Power Score

—

Mobile App Rating

—

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

Amica Renters Insurance

Full review

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