Spring Moving Season Is Here: Why Now Is the Best Time to Switch to Lemonade Insurance

Spring is the most active moving season of the year. If you're moving to a new apartment, buying your first home, or simply reassessing your finances after winter, it's also the best time to take a hard look at your insurance — and switch if you're overpaying.

Lemonade Insurance is built for exactly this moment. It's AI-powered renters and homeowners insurance that takes minutes to set up, often costs significantly less than traditional carriers, and handles claims through an app in seconds instead of weeks. Here's why spring is the perfect window to make the switch.

Why Spring Is the Optimal Time to Switch Insurance

Insurance rates aren't static. They reset at renewal, and many carriers quietly raise rates each year. Spring coincides with the natural end of many annual policy periods, making it the cleanest time to shop around and switch without penalty.

Moving is also a natural trigger event. If you're moving to a new place — even just changing apartments — your current policy likely needs to be updated anyway. That's the perfect moment to start fresh with a better provider rather than simply porting over a suboptimal policy.

And if you're in a new home, getting coverage right from day one matters. Lemonade's quick setup means you can be fully covered within minutes.

What Makes Lemonade Different From Traditional Insurance

Traditional insurance is slow, expensive, and opaque. Lemonade is built differently from the ground up.

The sign-up process takes about 90 seconds. You answer a few questions about your space and belongings, and you're quoted and covered. Compare that to calling an agent, waiting for a callback, and going back and forth over coverage details for days.

Claims are handled through the Lemonade app. For simple claims, the AI can approve and pay them in as little as three seconds — I've seen this work in practice. For complex claims, a human reviews, but the process is still dramatically faster than legacy carriers.

Pricing is often 20-40% lower than traditional carriers for equivalent coverage, particularly for renters insurance. For homeowners, savings vary more by location and property, but the efficiency of the platform means lower overhead costs get passed to customers.

Lemonade is also transparent about how their model works. They take a flat percentage for expenses and salaries, and leftover money goes to causes you choose when you sign up. It removes the conflict of interest where an insurer profits by denying claims.

Who Lemonade Is Best For

Lemonade is an excellent fit for renters, first-time homeowners, pet owners (they offer pet insurance too), and anyone who values speed and simplicity. If you've had Lemonade for a while and haven't checked your rate recently, it's worth comparing — particularly if your living situation has changed.

It's less ideal for complex commercial coverage, specialty collectors items, or situations requiring highly customized policies, where a traditional broker relationship might be worth maintaining.

How to Make the Switch This Spring

If you're moving: time your Lemonade policy start date with your move-in date. Cancel your old policy on the day your new one starts to avoid a coverage gap or double-paying.

If you're staying put: get a Lemonade quote and compare it directly to your current renewal rate. If Lemonade comes in lower (which it often does), switching typically takes 10 minutes.

For a full breakdown of coverage options, pricing, and the claims experience, read our in-depth Lemonade Insurance review. Or go directly to Lemonade to get your quote in under two minutes.