Liberty Mutual Homeowners Insurance vs. Lemonade Homeowners Insurance

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

Liberty Mutual logo
Liberty Mutual Homeowners Insurance
Liberty Mutual
3.9

Avg ~$1,976/yr. Highly customizable. Inflation Protection. New purchase discounts.

Full review →
Lemonade logo
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. Liberty Mutual Homeowners Insurance may still be worth a quote depending on your location and coverage needs — premiums vary widely.

Feature
Liberty Mutual Homeowners
Lemonade Homeowners Insurance
WealthSpott Rating
3.9 / 5
4.4 / 5 Best
Coverage Type
Home Insurance
Home Insurance
Avg Annual Premium
~$1,976/yr
~$1,450/yr Best
AM Best Rating
A
—
J.D. Power Score
790 / 1000
— Best
Mobile App Rating
—
—
Liberty Mutual Homeowners Insurance
Full review
Lemonade Homeowners Insurance
Full review

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