Comparison

Seguros Multiples vs Mi LUMA

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Seguros Multiples

Manage your insurance policies, pay premiums with debit or credit cards, and access policy documents. Get assistance for travel, road, or home emergencies, and file claims easily. Locate nearby offices and service centers on a map.

Highlights
  • Policy payment via debit/credit card
  • Access and download policy documents
  • View insured vehicles and properties
  • Virtual insurance card
  • Emergency assistance (travel, road, home)
  • Claim creation and management
  • Map-based office and service center locator
Features
Read full description

Descarga la aplicación para que conozcas las ventajas de estar bien asegurado, con ella podrás: • Pagar pólizas utilizando tu cuenta de débito o tarjetas de crédito (VISA, MC o AMEX). • Acceso y descarga de documentos*. • Ver autos o propiedades aseguradas en detalle. • Recibir orientación sobre nuestros productos. • Contar con una tarjeta virtual que presenta tu información personal registrada. • Solicitar asistencia en viaje, carretera o el hogar con acceso a la línea directa para que puedas recibir el servicio de inmediato. • Creación y consulta de reclamaciones donde podrás escoger un Taller Participante o programar tu cita en cualquiera de nuestras sucursales • Carga de fotos y documentos por el asegurado o perjudicado • Identificar nuestras oficinas, talleres participantes y centros de servicio a través de localización por mapa. • Contactarnos a TeleSeguros Múltiples o por correo electrónico. • Conocer recomendaciones a seguir en caso de Desastres Naturales. ¿No tienes póliza con nosotros y necesitas hacer una reclamación como perjudicado? No te preocupes, puedes acceder sin registro y someter la notificación de pérdida con la información requerida. * Debes estar registrado en nuestra página web y haber dado consentimiento para recibir documentos digitales. Productos y servicios exclusivos para clientes en Puerto Rico.

About

Mi LUMA

Manage your LUMA Energy account conveniently from your mobile device. View your balance, access bills, make payments, and report outages. Enjoy quick sign-in options and 24/7 access to your account information.

Highlights
  • Account registration
  • View current balance and due dates
  • Download bills in PDF
  • Pay bills via credit card or bank account
  • 12-month bill and payment history
  • Outage reporting and viewing
  • Quick sign-in options (Face Unlock, fingerprint, PIN)
Features
Read full description

Mi LUMA is LUMA Energy’s new customer app. You can register with a residential or commercial account, the last 4 digits of the social security or employer identification number on the account, and a valid email. However, if you already registered for Mi LUMA web, our online customer portal, there is no need to register again in the app, you can use the same username and password to sign in. After your first sign in using your username and password, you can choose to use Face Unlock, your fingerprint, PIN or keyboard pattern for future sign-ins, making signing into Mi LUMA easy and quick. Once signed in, you will see the Dashboard with the current balance of the electric service account your registered. With a single tap, view the Account screen, with all your current account information, including the total amount due and payment due date. View and download your current bill in PDF format. Pay your bill using either a credit card or a bank account. Payments made through Mi LUMA app are credited the same day. The Mi LUMA app also provides a 12-month history of bills and payments, outage viewing and reporting capabilities, and an extensive set of frequently asked questions (FAQs) to help you in the transition to LUMA Energy. Simply download the free app and begin enjoying the convenience of doing all of this from anywhere 24x7.

Screenshots

Seguros Multiples4 screens
Mi LUMA4 screens

Verdict

The call

The clearest difference is rating: Seguros Multiples at 3.7 against Mi LUMA's 2.1. Seguros Multiples also leads on review sentiment (43% vs 12%). Mi LUMA's advantage is ratings volume (936 vs 29). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Seguros Multiples holds the better App Store score, 3.7 against 2.1. That said, the two scores are not equally well evidenced: Mi LUMA has 936 ratings behind it against 29, so its average is the more settled of the two. Written reviews point the same way: 43% of Seguros Multiples's written reviews are positive against 12% of Mi LUMA's.

UpkeepUpdate frequency

Seguros Multiples ships an update monthly, Mi LUMA every 2 months. The most recent releases landed on September 21, 2026 and September 24, 2026 respectively.

Scorecard3 real differences · 7 level
Seguros Multiples versus Mi LUMA: the parameters behind the verdict, then further details
ParameterSeguros MultiplesMi LUMA
PriceFreeFree
Rating3.7 (29 ratings) — better2.1 (936 ratings)
Positive reviews42.9% of reviews — better11.7% of reviews
Number of ratings29936 — better
Update frequencyMonthly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS13.413.0 — better
Further details — not scored
Size20 MB96 MB
Age rating4+4+
DeveloperCooperativa de Seguros Múltiples de Puerto RicoLuma Energy ServCo, LLC

Customer experience

Seguros Multiples

All ratings29 ratings
Positive65.5%
Neutral6.9%
Negative27.6%
Written reviews63 reviews
Positive42.9%
Neutral3.2%
Negative54.0%

Mi LUMA

All ratings936 ratings
Positive25.3%
Neutral4.5%
Negative70.2%
Written reviews145 reviews
Positive11.7%
Neutral6.2%
Negative82.1%

User reviews

Seguros Multiples

From 29 App Store ratings

What we love

  • 👍 Excellent customer service
  • 👍 Good customer service
  • 👍 Excellent
  • 👍 Very good app
  • 👍 Excellent

Room to improve

  • 🐛 Never works
  • 🐛 Misleading price difference
  • 🐛 Spanish only
  • 🐛 Long wait for tow truck
  • 🐛 Not in English

Mi LUMA

From 936 App Store ratings

What we love

  • 🚀 Easy to use
  • 💡 Useful features like outage reporting
  • 👍 Improving with updates

Room to improve

  • 🐛 Frequent crashes and login issues
  • 👎 Lacks essential functionality (PDF bills, outage history)
  • 🔒 Security and account management problems

Bugs and requests

Seguros Multiples

Reported bugs

20 issues
  • App crashes
  • App closes while in use
  • Login not happening
  • App crashes when starting claim
  • App closes when creating claim
Show 15 more
  • Cannot download voucher
  • App crashes constantly
  • App crashes when opening
  • App crashes when pressing voucher area
  • App does not allow claim creation
  • App has bugs
  • App crashes
  • App is unstable
  • Does not fulfill efficiency purpose
  • App is weak
  • Cannot access voucher
  • System does not facilitate payment info
  • Cannot edit payment
  • Cannot access policy details
  • Misleading price difference

Requested features

9 requests
  • English option for the app
  • More tow trucks
  • More personnel
  • English version of documents
  • English website links
Show 4 more
  • One account for all policies
  • Support for iPhone 5
  • Dark mode option
  • Advanced analytics dashboard

Mi LUMA

Reported bugs

3 issues
  • App fails to load or log in consistently
  • Issues with account registration and management
  • Unreliable outage reporting functionality

Requested features

3 requests
  • Add auto-payment option
  • Improve app stability and login process
  • Provide detailed outage history and analytics

In-app purchases

None

Seguros Multiples

No in-app purchases

None

Mi LUMA

No in-app purchases

Questions

Is Seguros Multiples free?
Seguros Multiples is free to download, with no in-app purchases.
Is Mi LUMA free?
Mi LUMA is free to download, with no in-app purchases.
Which has better reviews, Seguros Multiples or Mi LUMA?
Seguros Multiples is rated higher. Seguros Multiples averages 3.7 out of 5 from 29 ratings, while Mi LUMA averages 2.1 from 936 ratings.
Do Seguros Multiples or Mi LUMA have ads?
Neither Seguros Multiples nor Mi LUMA shows ads.
Which is updated more often, Seguros Multiples or Mi LUMA?
Seguros Multiples ships an update monthly, and Mi LUMA every 2 months. Most recently, Seguros Multiples was updated on September 21, 2026 and Mi LUMA on September 24, 2026.

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