Seguros Multiples vs Mi LUMA
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
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.
- 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)
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | Seguros Multiples | Mi LUMA |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (29 ratings) — better | 2.1 (936 ratings) |
| Positive reviews | 42.9% of reviews — better | 11.7% of reviews |
| Number of ratings | 29 | 936 — better |
| Update frequency | Monthly — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13.4 | 13.0 — better |
| Further details — not scored | ||
| Size | 20 MB | 96 MB |
| Age rating | 4+ | 4+ |
| Developer | Cooperativa de Seguros Múltiples de Puerto Rico | Luma Energy ServCo, LLC |
Customer experience
Seguros Multiples
Mi LUMA
User reviews
Seguros Multiples
From 29 App Store ratingsWhat 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 ratingsWhat 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 moreShow fewer
- 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 moreShow fewer
- 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
Seguros Multiples
No in-app purchases
Mi LUMA
No in-app purchases
Questions
Is Seguros Multiples free?
Is Mi LUMA free?
Which has better reviews, Seguros Multiples or Mi LUMA?
Do Seguros Multiples or Mi LUMA have ads?
Which is updated more often, Seguros Multiples or Mi LUMA?
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