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How do customers rate Lemonade Insurance Company?

are likely to renew their policy
are likely to renew their policy
are likely to renew their policy

Lemonade Insurance: Compare Ratings, Coverage & Discounts in 2024

Lemonade Insurance Company focuses on providing customers types of insurance categories with instant service for homeowners and renters insurance policies. They also offer term life insurance and pet insurance but do not appear to offer auto property insurance. It uses technology to create a fast experience, providing customers with insurance and paying claims in just minutes. Lemonade also uses extra money left over from the prices of insurance premiums after it pays claims to give back to charities. Customers can choose a charity when buying insurance and then the payments are gathered with those of other policyholders.

So, if you want a simple and understandable policy, then Lemonade Insurance is the right choice for you.

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What coverages does Lemonade Insurance Company offer?

Lemonade Homeowners Insurance

On standard Lemonade Insurance policies, your personal electronic equipment is covered by your Lemonade renters insurance or homeowners insurance policy up to the coverage limit you select for Property & Valuables coverage. This can include laptops, phones, tablets and TVs. It covers theft or damage personal belongings caused by a covered peril, but it won't cover them if you damage it by dropping it. The base policy covers a maximum of $2,500 per item or $10,000 total.

Moreover, Lemonade also covers additional living expenses if policyholders cannot live in their home, up to $2,500. Renters policies include liability coverage if you're responsible for someone else's injury or property damage, up to $10,000.

Lemonade policies also cover personal property stored in a self-storage unit up to $1,000, in most cases. If you live in New York, California or Connecticut, your property that's stored in a storage unit is covered for up to 10 percent of your personal property limit (Coverage C).

Earthquake insurance: Lemonade currently offers earthquake insurance coverage in Arkansas and California and plan to expand to other states soon.

Lemonade Auto Insurance

Does lemonade offer car insurance? Yes, Lemonade does do car insurance.

Lemonade provides usage-based car insurance that includes:

  • Damage from accidents
  • Damage from natural disasters
  • Roadside assistance
  • Legal defense
  • Windshield repair
  • Car theft

And, to help you save, Lemonade offers a discount for bundling home and auto insurance.

Lemonade Insurance Customer Reviews

We don't have any Lemonade car insurance reviews from customers, but you can read Lemonade homeowners insurance reviews here.

Lemonade Insurance FAQs

What makes Lemonade Insurance different?

Lemonade differs from other insurance companies because of its business model. Lemonade utilizes technology tools to offer customers fast service for their homeowners and renters policy. Customers can purchase a Lemonade policy and get payment for a claim in just minutes from their couch.

Everything customers need can be accessed from Lemonade's mobile app. Each year, Lemonade uses any extra money left over from customers' premiums after they're paid claims and taken care of other unavoidable expenses to give back to charities with its Giveback feature.

Does Lemonade offer homeowners insurance?

Yes, Lemonade offers homeowners in addition to renters and condo insurance.

How does Lemonade Insurance work?

Lemonade insurance utilizes artificial intelligence and technology to offer customers homeowners or renters insurance quotes through its website or mobile app. Unlike most other insurance companies, Lemonade takes a flat fee out of your premium, pays for expenses and uses the rest of your premium for paying out claims. Lemonade's Giveback program donates any leftover money from premiums that wasn't needed for claims to charities. If the claims exceed the rates that are still in the pool for claims paying, Lemonade uses reinsurance to cover it.

Can you cancel Lemonade Insurance?

You can cancel your insurance policy through the Lemonade mobile app at any time and you'll receive a refund for any of the remaining period that you've already paid for.

What else should you know about Lemonade Insurance Company?

Lemonade operates through its website and mobile app. Anything you need can be done from the app or website, such as making a claim, adjusting your coverage, signing up for a Lemonade policy and canceling your policy.

Social good is a top priority of Lemonade. The company takes a flat 20 percent fee out of your insurance premium and uses the rest of it to pay claims. Lemonade takes the extra money after it pays claims and donates it to nonprofit charities that its policyholders choose.

Lemonade allows policyholders to add extra coverage on items like jewelry, fine art, cameras, bicycles and musical instruments. It also includes water backup if there has been damage caused by water of your drain or sewer. Landlord property damage covers damages to the property caused water or your pet.

What states does Lemonade Insurance Company do business in?

Lemonade Insurance Company sells homeowners insurance in 23 states and Washington, D.C. and renters insurance in 27 states and Washington, D.C.. See the state Lemonade Insurance Company sells in below and click the link to see how Lemonade Insurance Company compares to the other top companies in that state.

States Lemonade Insurance Company ranks in top 10 for homeowners insurance

States Lemonade Insurance Company ranks in top 10 for renters insurance

Lemonade Renters & Homeowners Insurance Reviews 2024 reviews

Pros and Cons - Sourced from customer reviews

  • Easy-to-use website
  • Explains coverage well
  • Transparent pricing
  • Flexible billing options
  • Variety of coverage options
  • Doesn’t reward loyal customers

Clearsurance featured review


An organic review is a review that has been written without solicitation from Clearsurance or any other entity.
Organic reviews
An organic review is a review that has been written without solicitation from Clearsurance or any other entity.


Renters insurance review

I was a little skeptical about lemonade and how they do things at first. However, we moved forward and got policy through them. A couple months after moving to our new home we had a theft take place where a few thousand dollars worth my tools were taken. We provided police report and proof of ownership things & almost instantly received email with claim appr ...oval and payout disbursement confirmation. Could not be happier with there services and rates as well!!!

2255 customer reviews

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