Purchasing home and renters insurance is annoying, but also totally necessary when it comes to adulting. The process of buying insurance is typically an arduous task. You have to deal with commission-hungry brokers and stacks of legal documents. And when it comes to claiming? Expect layer upon layer of red tape.

Lemonade is an insurance company that breaks the mold and redefines the home and renters insurance model, using technology for total transparency. You could have your insurance sorted in seconds through the app.

The top-rated insurance company in America.

Here’s how it works: Lemonade’s policies can start as low as $5 per month for renters and $25 per month for homeowners. The company gets paid from the fee you pay, and any money that’s left unclaimed is given to charity. In short, the premiums you pay are treated like your money.

Because Lemonade doesn’t profit from denying or accepting claims like traditional insurance companies, the overall ethos of the company is more democratic — and you can use the app to handle claims instantly. You can access Lemonade through both the iOS and Android apps, and purchase a policy through the website. The Lemonade app has a 4.7-star rating on the Play Store from over 5,000 reviews.

Ready to learn more about Lemonade? Check it out via the link below.