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Lemonade also stands out for its easy online shopping and claims filing process. Its digital-first approach to business means you can get a quote or file a claim online in minutes.

This approach also means Lemonade does not use insurance agents. So you should not choose Lemonade if you prefer working with a person. But, you can speak to a real human through their customer service phone line.

Compared to its competitors, Lemonade only offers a few discounts. However, the company lets you personalize your policy with five coverage add-ons.