Lemonade insurance
- auto
- homeowners
- life
- pet
- renters
Last verified 2026-09-30
Every statement below is drawn from the sources listed at the foot of the page, and each fact names the one it came from.
- Official website
- https://www.lemonade.com/Source:U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Overview
- Founded
- 2015Source:U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
- Headquarters
- New York, New YorkSource:Lemonadeverified 2026-09-30
- Official website
- https://www.lemonade.com/Source:U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Products
- Insurance products
- auto
- homeowners
- renters
- life
- pet
Source:U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30- Underwritten by
- Legal & General Group (term life, via partnership)Source:U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Where it is available
- States available
- Licensed in 50 states and Washington, D.C.; operating in 41 of those states and Washington, D.C. as of December 31, 2025Source:U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
- States available, auto
- AZ
- CA
- CO
- FL
- IL
- IN
- MO
- OH
- OR
- TN
- TX
- WA
Source:Lemonadeverified 2026-09-30- States available, homeowners
- AZ
- CA
- CO
- CT
- DC
- GA
- IA
- IL
- IN
- MA
- MD
- MI
- MO
- NJ
- NV
- NY
- OH
- OK
- OR
- PA
- TN
- TX
- VA
- WI
Source:Lemonadeverified 2026-09-30- States available, renters
- AR
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- IA
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MO
- MS
- MT
- NC
- ND
- NE
- NH
- NJ
- NM
- NV
- NY
- OH
- OK
- OR
- PA
- RI
- SC
- SD
- TN
- TX
- UT
- VA
- VT
- WA
- WI
- WV
- WY
Source:Lemonadeverified 2026-09-30- States available, pet
- AL
- AR
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- IL
- IN
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MS
- MT
- NC
- ND
- NE
- NH
- NJ
- NM
- NV
- NY
- OH
- OK
- OR
- PA
- RI
- SC
- TN
- TX
- UT
- VA
- WA
- WI
Source:Lemonadeverified 2026-09-30- States available, life
- Every state across the US except New YorkSource:Lemonadeverified 2026-09-30
Coverage
- Coverage types
- personal property
- crime and vandalism coverage
- water damage coverage
- fire and smoke protection
- liability coverage
- medical expenses
- loss of use coverage
Source:Lemonadeverified 2026-09-30- Waiting periods
- 2 days for accidents
- 14 days for illnesses
- 30 days for orthopedic conditions
- 6 months for cruciate ligament events
Source:Lemonadeverified 2026-09-30
Getting a quote
- How to get a quote
- online
- mobile app
Source:Lemonadeverified 2026-09-30
Claims
- How to file a claim
- mobile app
Source:U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Customer service
- Customer service channels
- mobile app
- website
Source:Lemonadeverified 2026-09-30
Limitations
- Notable limitations
- Pet policies do not cover pre-existing conditions, dental care, elective surgeries not related to an accident/illness, or anything resulting from the policyholder's neglect
- Renters and homeowners policies do not cover dog bites if the dog has a history of biting or is categorized as high-risk
Source:Lemonadeverified 2026-09-30
Financial strength
- Financial strength ratings
- Demotech, Inc. Financial Stability Rating of A Exceptional for Lemonade Insurance CompanySource:U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Compare
Put Lemonade beside another company
Only pairs where both companies are fully researched get a comparison, so every row has a source on both sides.
Work the numbers
Tools for these insurance lines
Deterministic calculators with their method written out. None of them produce a quote.
- Deductible exposure explorerShows exactly how one loss splits between you and your insurer at each deductible level, and how much more of a loss you carry when you raise it.Open tool
- Insurance company comparisonPut two companies side by side on the facts we have verified, with the source for each one and an explicit gap where we have not verified something.Open tool
- Auto insurance requirements by stateThe auto insurance a state requires you to carry, shown only for states where the requirement has been researched and sourced, with the source and the date attached to each one.Open tool
- Homeowners coverage estimatorShows how the limits on a homeowners policy relate to each other: other structures, personal property and loss of use as percentages of the dwelling limit you enter.Open tool
- Life insurance needs calculatorAdds up the money your household would need to replace, then subtracts what is already in place, and shows every line of the arithmetic.Open tool
- Pet insurance comparisonWaiting periods, age restrictions, reimbursement and deductible options for the pet insurers in our database, showing only what has been verified.Open tool
Evidence
Sources behind this page
Each fact above names one of these. The tier is where the document sits in our source hierarchy, and the retrieval date is when we last pulled the page.
U.S. Securities and Exchange Commission (EDGAR)Tier 1 · Government and regulators
Lemonade, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025Retrieved 2026-09-29
LemonadeTier 2 · The company itself
Lemonade: An Insurance Company Built for the 21st CenturyRetrieved 2026-09-29
LemonadeTier 2 · The company itself
FAQ for Renters, Homeowners, Car, Pet, and Life InsuranceRetrieved 2026-09-29