Lemonade vs Liberty Mutual Insurance
Auto insuranceHomeowners insuranceRenters insuranceLife insurancePet insuranceLast verified Sep 30, 2026
| Field | Lemonade | Liberty Mutual Insurance |
|---|---|---|
| FoundedUnknown on one side | 2015Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30 | Not verified |
| HeadquartersDiffers | New York, New YorkSource: Lemonadeverified 2026-09-30 | Boston, MassachusettsSource: Liberty Mutual Insuranceverified 2026-09-30 |
| Insurance productsDiffers |
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| Underwritten byDiffers | Legal & General Group (term life, via partnership)Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30 | Liberty Mutual Fire Insurance Company and affiliates (pet insurance), administered by Companion Protect Insurance Agency, LLCSource: Liberty Mutual Insuranceverified 2026-09-30 |
| States availableDiffers | 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 | Liberty Mutual Insurance Company (NAIC #23043) is licensed in all states, the District of Columbia, Puerto Rico, U.S. Virgin Islands, Northern Mariana Islands, and CanadaSource: Liberty Mutual Insuranceverified 2026-09-30 |
| States available, autoUnknown on one side |
| Not verified |
| Coverage typesDiffers |
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| Waiting periodsUnknown on one side |
| Not verified |
| How to get a quoteDiffers |
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| DiscountsUnknown on one side | Not verified |
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| How to file a claimDiffers |
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| Customer service channelsDiffers |
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| Notable limitationsDiffers |
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| Financial strength ratingsUnknown on one side | Demotech, Inc. Financial Stability Rating of A Exceptional for Lemonade Insurance CompanySource: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30 | Not verified |
Both companies write auto, homeowners, renters, life, pet insurance. Of the fields we have verified for either company, 9 differ and 5 are unverified on at least one side. We do not pick a winner and we do not score either company.
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