Lemonade Zero v. Travelers Decreasing Deductible

Travelers announced the launch of Quantum Home 2.0 (QH2.0), an enhanced homeowners insurance product with tailored pricing and more flexible coverage options, all on simpler policy documents that help customers better understand their insurance. It is being offered via an updated platform that allows agents to seamlessly quote and bind coverage.


“We partnered with our agents to develop QH2.0, and the result is a completely redesigned product that provides greater customization, fewer steps to complete a quote and simplified customer communications. This new product will increase efficiency for agents while helping them to deliver better service and drive new business” – EVP and President, Personal Insurance, and Head of Enterprise Business Intelligence & Analytics at Travelers, Michael Klein.


Product includes:

  • Decreasing Deductible and loss forgiveness options that recognize customers for their loyalty.
  • New discounts for customers who pay on time and for those with smart-home protective technology, including fire, burglar and water alarms.
  • An enhanced water package that can cover sewer backups and hidden water damage.
  • Equipment breakdown coverage for appliances and water heaters, etc.


The product is currently available in Colorado, Oregon and Wisconsin. Bottom Line: it’s Lemonade Zero v. Travelers Decreasing Deductible and the shorter, the better.