Lemonade Insurance are scammers. My items went missing on a flight as a result of damage in the course of the flight. They lied on their website and their policy that my property is covered anywhere but told me after I filed a claim that the insurance doesn't cover damages or losses while a person or organization is paid for moving property. Their response is a scam and fraudulent and doesn't apply in my case as I do not pay for cargo or haulage in this instance but my items only got missing while traveling. My lawyer also advised me that this is not what that policy claims and they want to avoid payment and will be filing damages and compensation for losses suffered against Lemonade shortly.
They never got back to me after asking me for several documents and making phone calls to verify my claim. It took me to send an email after over a week of submitting documents before they came back with their false response. If they really wouldn't cover my claim, why not be upfront and why ask me for my personal travel documents.
Never use Lemonade as they are all scammers and will do everything possible not to pay claims. They are INSURANCE SCAMMERS! FRAUDSTERS! INSURANCE LIARS!
Bottom Line: No, I would not recommend this to a friend