Have gotten ads for Lemonade in Germany. Their ads are very misleading: - The ad is for a Haftpflichtversicherung. It pays, when you for example use the phone

Have gotten ads for Lemonade in Germany. Their ads are very misleading: - The ad is for a Haftpflichtversicherung. It pays, when you for example use the phone of a friend and it falls down. You are obligued to pay for the damage. - In the ad, they make it seem like your own device is insured, which is not the case. It does not seem to me that they are to be trusted.