I'll take that over my policy I have now, where anything after 2 clicks on the website ends up with "We're not telling you that information unless you call us". I'll take some UX quirks if it means the old companies with no competition will die out faster. I'd even pay more for this.
And they use regular English to explain everything with real examples like how they'd cover an Airbnb if you had a fire, and what a deductible is. Meanwhile I couldn't find my policy on State Farm's site and had to dig through Dropbox to see that the its line items are furs, silverware, and waterbed damage. What year is it?
That's not their policy framework. They use the same standard policies everyone else does (created by a division of Verisk called ISO). It was their attempt to "show" they can design a "Plain English" policy. In reality, it had nowhere near the effort put into it that could plausibly allow that, and is not used by them in production in any way.
edit: I just found out that their policy framework is open-source on Github (https://github.com/lemonade-hq/policy-2.0). That's huge to me.
And they use regular English to explain everything with real examples like how they'd cover an Airbnb if you had a fire, and what a deductible is. Meanwhile I couldn't find my policy on State Farm's site and had to dig through Dropbox to see that the its line items are furs, silverware, and waterbed damage. What year is it?