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Hippo vs Lemonade

Hippo logo

Hippo

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Lemonade logo

Lemonade

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Homeowners insuranceLast verified Sep 30, 2026
Verified facts for Hippo and Lemonade, side by side
FieldHippoLemonade
FoundedUnknown on one sideNot verified2015Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
HeadquartersDiffersSan Jose, CaliforniaSource: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30New York, New YorkSource: Lemonadeverified 2026-09-30
Insurance productsDiffers
  • homeowners
Source: Hippoverified 2026-09-30
  • auto
  • homeowners
  • renters
  • life
  • pet
Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Underwritten byDiffersSpinnaker Insurance Company (Illinois); Spinnaker Specialty Insurance Company (Texas, authorized/non-admitted); Wingsail Insurance Company (Arizona, admitted)Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30Legal & General Group (term life, via partnership)Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
States availableDiffersHippo Analytics Inc. is licensed as an insurance agency in 50 states and the District of Columbia; Spinnaker is licensed to write limited lines of business in 50 states and the District of ColumbiaSource: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30Licensed 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, homeownersUnknown on one sideNot verified
  • AZ
  • CA
  • CO
  • CT
  • DC
  • GA
  • IL
  • IN
  • IA
  • MD
  • MA
  • MI
  • MO
  • NV
  • NJ
  • NY
  • OH
  • OK
  • OR
  • PA
  • TN
  • TX
  • VA
  • WI
Source: Lemonadeverified 2026-09-30
Coverage typesDiffers
  • Dwelling coverage
  • Personal belongings coverage
  • Personal liability protection
  • Loss of use coverage
Source: Hippoverified 2026-09-30
  • 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
Optional coveragesUnknown on one side
  • Earthquake insurance
  • Flood insurance
  • Wind damage insurance
Source: Hippoverified 2026-09-30		Not verified
Waiting periodsUnknown on one sideNot verified
  • 2 days for accidents
  • 14 days for illnesses
  • 30 days for orthopedic conditions
  • 6 months for cruciate ligament events
Source: Lemonadeverified 2026-09-30
How to get a quoteDiffers
  • online
Source: Hippoverified 2026-09-30
  • online
  • mobile app
Source: Lemonadeverified 2026-09-30
DiscountsUnknown on one side
  • Loss-Free Discount
  • Home Buyer Discount
  • Theft Protection Devices Discount
  • Affinity Discount
  • Hail Resistant Roof Discount
  • HOA Discount
  • Companion Policy Discount
Source: Hippoverified 2026-09-30		Not verified
How to file a claimDiffers
  • mobile app
  • online portal
  • phone
Source: Hippoverified 2026-09-30
  • mobile app
Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Customer service channelsDiffers
  • phone
  • email
Source: Hippoverified 2026-09-30
  • mobile app
  • website
Source: Lemonadeverified 2026-09-30
Notable limitationsDiffers
  • Claims on policies placed with a carrier other than Hippo must be filed with that carrier, not with Hippo
Source: Hippoverified 2026-09-30
  • 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 ratingsUnknown on one sideNot verifiedDemotech, Inc. Financial Stability Rating of A Exceptional for Lemonade Insurance CompanySource: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30

Both companies write homeowners insurance. Of the fields we have verified for either company, 9 differ and 6 are unverified on at least one side. We do not pick a winner and we do not score either company.

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