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You could probably rattle off three to five insurance slogans if we asked you to right now, even if you don't know what the hell a deductible is. That's not great, but it's exactly how the insurance companies in this country want us: docile, pliable, and completely ignorant of the kind of coverage we need. That's why they bury all kinds of silly stuff in the fine print while making the same platitudinous ads focused more on a punchline than their actual product.

Believe it or not, you don't have to buy an insurance policy from a charming gecko or Dennis Haysbert. Lemonade is offering an alternative to the traditional auto, homeowners, and renters insurance process. Unlike most insurance providers, Lemonade recognizes that you almost never want to talk to a person, least of all an insurance broker, so they mitigate the contact you have to have with them as much as possible. There's no back-and-forth, no long holds, no elevator music -- whether you're setting a policy or filing a claim, Lemonade allows you to do it in just minutes online.

The Lemonade app gives you all you need to do everything. Setting up an insurance policy takes about 90 seconds, and renters' policies can start as low as $5 a month. When you have to make a claim, it takes about twice as long, or 180-ish seconds. Yes, Lemonade settles some claims in less than three minutes.

How do they do it? They aren't stuck in 1952. Lemonade's proprietary algorithms do all the heavy lifting in 99% of your interactions with them, whether you're on a phone, tablet, or laptop. The coolest part? Lemonade takes a flat fee from your premium but then treats the rest like it's still your money, so when Lemonade customers don't file claims, all those extra funds end up routed to great charities around the world, not just to Lemonade's profits.

No matter what you're looking for in insurance, Lemonade can get you covered in as little as 90 seconds. Head over to their website to get a quote today.

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