General

About Lemonade

We’re a full-stack insurance carrier built to provide the best, most delightful, and most transparent insurance experience in the world.

We offer hassle-free renters (contents), homeowners, life, and pet health products in the US and Europe. Lemonade is a fully licensed and regulated insurance company, which means that we underwrite, price, and sell policies, as well as handle and pay claims.

We’re also a public benefit corporation and a certified B-Corp, which means we care about the community and environment, and not just business results. Once a year, if there are unused premiums left over, we give them back to nonprofits our customers choose.

How is Lemonade’s business model different from that of a traditional insurance carrier?

Traditional insurance companies generate profits from whatever’s left after paying claims and expenses. So, whenever they pay a claim, they actually lose money. This is why getting claims paid by traditional insurers can be hard.

Lemonade was built differently.

To avoid the conflict of interests traditional insurers have with their customers, we decided to change the way we make money. So instead of profiting from unclaimed premiums, we take a flat fee, and donate whatever may be left, after paying claims and expenses, to charities (the Lemonade Giveback).

This way, our customers enjoy amazing insurance, and society gets a little push for the better. It also means that, unlike traditional insurance companies, we're not in conflict with our customers, so we're happy to pay claims fast and with no hassle. (Note: The Lemonade Giveback program doesn't apply to the life insurance product.) 

How are you using my premium dollars?

Glad you asked! Lemonade keeps a fixed percentage from the premiums we collect. This pays for developing loads of cool tech, running an insurance company (including salaries, rent, and such), and hopefully making some profit! Because it’s a fixed fee, our desire for profit does not conflict with our duty to pay claims.

Here’s how that works:

Lemonade is a fully licensed and regulated insurance company, which means that we underwrite, price, and sell policies, as well as handle and pay claims.

We take a flat fee from all premiums paid by our customers, and use the rest of that money to run our business, handle claims, and pay for reinsurance. If there’s money left, we donate it to causes. So unlike traditional insurance companies, we’re not incentivized to deny claims because any remaining funds will never end up in our pockets.

How is Lemonade structured?

Lemonade, Inc., a publicly traded company, is listed on the New York Stock Exchange, and is a public benefit corporation organized under Delaware law.

Lemonade Inc. is the parent company for a group of subsidiary companies.  More about the group structure can be found in our Legal Stuff section.

How do I get Lemonade insurance?

Lemonade policies are primarily sold online through our website or our mobile apps. Customers are required to download the app in order to manage their policy, get help from our team, and file claims.

What kind of policies does Lemonade offer?

We currently offer renters, condo, co-op, homeowners, life, and pet health insurance.

We’re constantly working on new and exciting products and features. We recommend following us on Twitter to get updates about new stuff as it becomes available.

Is Lemonade reinsured?

We are. Some of the biggest reinsurers in the world are reinsuring Lemonade. Names like Swiss Re, Munich Re, and Hannover Re are just part of the list.

Beyond reinsurance, as a publicly traded company on the New York Stock Exchange, we’re well funded, and have a well-funded balance sheet available to support our business and claim payments if needed.

When can I expect Lemonade to be available in my state?

Lemonade is already available in Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin. For everyone else - we’re coming soon, so stay tuned via Twitter or sign up here for updates.

Are you financially rated?

Yes. We've earned a Financial Stability Rating® of A-Exceptional from Demotech Inc., and are reinsured by some of the industry’s largest brands.

How can I reach you?

If you have a Lemonade policy or have had one in the past and need help now, click here to get started. Otherwise, you can always get in touch with our team through our app or website.

How do you keep my information private?

We highly value and respect your privacy (see our Privacy Policy). We will never sell your information, or share it with anyone except for the purposes of providing our services and promoting our business.

What does being a public benefit corporation and B-Corp mean?

B Corp® is a certification granted to for-profit companies that meet rigorous standards of social and environmental performance, accountability, and transparency. Although Lemonade seeks to make a profit, our mission is also to be a force for public good. Lemonade Inc. is a public benefit corporation organized under Delaware law, which means that it is legally permitted to consider the interests of all our constituents, not solely the interests of our owners, in operating our business.

Homeowners Insurance

Policy

How do you calculate the cost of a Lemonade Homeowners policy?

Homeowner premiums are calculated individually for each policyholder and are based on a number of different factors, including the value, condition, and construction quality of your home, as well as your insurance history, previous claims and more.

Here are things that could affect your homeowners price:

  • The more coverage you add the higher the premium gets
  • The higher deductible you choose, the lower the price will get
  • Better maintained homes and low risk areas cost less to insure
  • Insurance history that’s full of claims will increase your price, and in some cases even prevent us from being able to cover you
  • Protective devices such as deadbolts, burglar alarms, and smoke alarms will get you a discount
  • Bundling with other Lemonade products, such as pet insurance, will get you a discount
  • Paying annually will reduce your premium

How can I lower my homeowners policy price?

Your policy price (the ‘premium’) is mostly affected by the coverage amounts of your policy, which you can easily adjust before payment. A higher deductible may lower your price. Your deductible is the amount that will be deducted from any claim payment you may receive. Think of it as your participation in the damage or loss.

In addition, your rate may be reduced if you live in areas that are less susceptible to environmental, crime, or weather-related damages and if you own protective equipment such as fire and burglar alarms.

I’m buying a new home, how do I change the address on my Lemonade policy?

Congrats on the new place!

If you haven’t moved in yet, we recommend keeping your renters insurance active, and getting a new homeowners policy for your new home. After you’ve moved out of your rental apartment and into your home, use the Lemonade app to cancel your renters policy.

If I report a loss or have bad credit, will my premium be affected?

It might. History shows that people with poor credit or who have a record of making claims are more likely to make claims in the future. In fairness, our rates have to take all relevant data points into account, and your credit and claims history are two of the factors influencing your rate. As your history changes (for better or worse) over time, your rates may reflect it. Some jurisdictions restrict our ability to increase rates due to prior losses or credit.

Will my credit score be affected by applying for a policy?

No. We sometimes perform a ‘soft’ credit check, but this does not affect your credit score in any way. We may have to run this check in order to complete your policy pricing.

What if the closing date of my new home changes?

No worries! If your closing date changes we can easily update it. Just drop a note to [email protected] or give our homeowners team a call at 1-844-733-8666.

BTW, if your closing falls through, we can cancel the policy at no charge.

How do I cancel my Lemonade Homeowners policy?

You can cancel your policy at any time through the Lemonade app and receive a refund for the remaining period you’ve paid for. If you ever want to come back, we’d love to have you! But please be aware that insurance prices change from time to time, so your new policy may come with a different rate.

Great prices? I got a quote that’s higher than my old insurer, what gives?

We say we have great prices, and we mean it. But while our prices tend to be cheaper than those of the more established players, that won’t always be the case. Insurers use different models and data sets to establish prices, and on occasion, our prices will be higher than someone else’s. It’s the way statistics work. If it’s any comfort, please remember that any leftover money will be donated to a charity of your choosing… that’s a good reason to go with Lemonade!

Coverage

What does a Lemonade Homeowners policy cover?

A Lemonade Homeowners policy covers your home and property for damages caused by things like wildfires, extreme weather, crime, and vandalism. It also protects you against liability claims for damages you accidentally cause others, like if you cut a tree down in your yard and it falls on your neighbor’s car. In cases where your home becomes unlivable, we’ll also cover the costs of alternative living arrangements.

For a complete list of coverages, we recommend getting a quote. You’ll be able to see and make changes to your coverage, deductible, start date, and more. After buying a policy, we’ll send you a copy of your new policy by email.

Can I increase or decrease Lemonade Homeowners coverages?

Sure. Before purchasing a policy, you’ll be able to adjust the coverages you need as well as choose a deductible that works for you. Naturally, we have maximum and minimum limits to all coverages. Your “Replacement Cost” coverage limits (the estimated cost of completely rebuilding your home) can be modified within reason, as this is regulated in order to prevent unnecessary risk-taking.

After you buy a policy, you’ll be able to view and edit your coverages through the Lemonade app.

Is my spouse covered under my Lemonade Homeowners policy?

The short answer is yes, but we recommend adding their name to your policy.

You'll be happy to know that your policy automatically covers all residents of your household who are related to you by marriage, blood, or adoption.

Just make sure you buy enough coverage to cover everyone’s personal property. Remember to take everyone’s laptops, bikes, electronics, jewelry, musical instruments, and clothing into consideration.

Is my significant other covered under my Lemonade Homeowners policy?

If you’re living with your significant other, we recommend adding their name to your policy (at a minor additional cost). Beyond adding their name, make sure you update your Personal Property coverage to include the stuff they keep in your home as well.

What kinds of things am I covered for with my home insurance policy?

Your homeowners insurance policy covers your home against perils (aka, bad stuff like fire, windstorm, or an explosion). But it does more than that.

Your policy is broken up into six types of coverage:

  • Dwelling Coverage (aka coverage for your actual house)
  • Other Structures coverage (your driveway, fence, tool shed, etc)
  • Personal Property (your stuff)
  • Loss of Use will help with additional living expenses (like hotel bills) if your place becomes uninhabitable due to a peril like a fire, windstorm, etc.
  • Liability Coverage or personal liability insurance refers to coverage in the case of bodily injury or property damage to other people (or their stuff) as a result of your actions - at your home, and anywhere else
  • Medical Payments to help pay for medical bills, under $5,000 in most cases, that you incur if something happens to guests while at your place

Be sure to figure out how much homeowners insurance coverage you need.

Am I covered if something I own gets stolen outside of my home or apartment?

Yes. A Lemonade Homeowners policy covers your personal property “anywhere in the world” (that’s straight from our policy).

If your bike gets stolen from in front of your apartment or your laptop gets stolen from your local coffee shop, you are covered up to your policy’s Personal Property limit. Your deductible applies, and we'll also need you to file a police report with the officer’s name, precinct/department, and report number. Keep in mind, a stolen pet is not covered under any of our policies.

What kinds of things are not covered under a Lemonade policy?

Unfortunately, insurance doesn’t cover e-v-e-r-y annoying thing that can happen. Things like your power, water, or heat going out in the dead of winter, or a bed bug infestation, aren’t covered by homeowners policies. That means we can’t reimburse you if any of those things happen.

We also don’t cover personal property that gets mistakenly lost or broken. Here's a guide to what's covered and what's not under your homeowners policy.

Is my laptop covered?

Yes! Your Lemonade Homeowners policy covers your personal electronic equipment up to the amount you select for your Personal Property limit when signing up. Coverage for laptops, phones, tablets, TVs, and other personal electronics are all included, as standard, in the policy. Please note that this is coverage against the list of specific, named perils mentioned in the policy such as theft, fire, explosion, vandalism, etc. Be careful with that computer, because your policy doesn’t cover loss or breakage if you drop it!

If my dog bites someone, am I covered?

Generally, yes, if your dog bites someone you're covered under your homeowners policy. However, you're not covered if your dog has a history of biting or if your dog is categorized as a high-risk breed. These breeds can be found in the 'not covered' section of your policy.

Is my self-storage locker covered under a renters or homeowners policy?

For personal property stored in a self-storage facility, or usually stored at a place other than your home, our policy covers you for theft up to a limit of $1,000. Note, if you’re in NY, CA, or CT, our policy covers your personal property in self-storage units for up to 10% of your Coverage C (Personal Property limit). Make sure to review your policy to understand the amount of coverage you have.

Oh, and if your personal property is stored in the basement of your condo or apartment building, it’s covered because it’s still at your home address.

Do you offer earthquake coverage?

We currently offer earthquake insurance policies for our homeowners in California. We’re looking to expand this offering to other states, so stay tuned.

It’s worth noting that your base policy already covers direct loss caused by fire, explosion, or theft resulting from earthquakes.

What is a hurricane deductible?

A hurricane deductible works just like a normal deductible, but only applies if the damage is caused by a hurricane. You'll see it listed clearly next to your normal deductible in the app and in your policy.

These are typically for homeowner policies, but can apply in other cases. You'll see it clearly next to your normal deductible in the app and in your policy.

What is liability protection?

We offer Personal Liability protection as part of our homeowners policies. This means Lemonade will hire a lawyer to defend you, and we'll pay covered damages you are found liable for, in the event someone claims to be injured due to your actions or negligence, or if there’s property damage to someone else’s property caused by your actions or negligence. Make sure to read your policy. If you experience an incident that may fall under this coverage, then make a claim using our app.

Extra Coverage

How do I add Extra Coverage for my expensive items?

We can help add Extra Coverage to your renters or homeowners policy for your fine art, jewelry, watches, camera bodies and lenses, musical instruments, and some other personal property. Doing so is easy through the Lemonade app. We’ll ask you for photos of those items, as well as a receipt or appraisal. We’ll be offering the ability to add Extra Coverage for other types of property soon, but in the meantime, you can rest easy knowing the policy already has basic coverage built in for your big purchases like furniture, designer clothing, bikes, personal computers, and personal electronics.

Why should I get Extra Coverage for my personal property?

Better coverage

Extra Coverage provides you with protection against accidental loss, damage, and theft, worldwide. (FYI, your base policy does not cover stuff that gets lost.)

No deductible

This means that unlike standard coverage, there will be no deduction of funds from your claim payment.

Get coverage for jewelry worth $1,500 or more

Your base policy covers your jewelry, but only up to a total of $1,500. So, tally up your bling, and if it collectively is worth more than $1,500, you’re going to want Extra Coverage.

When can I add Extra Coverage?

Any time! Please note that Extra Coverage only kicks in after your items have been submitted and approved by our team. Items are added one at a time, and you will need to provide a short description, photo, and receipts or appraisals for each item. (Here's more info on all of that.)

What kind of items can I add?

Currently, our Extra Coverage is offered for jewelry, fine art, cameras, bicycles, and musical instruments. You do not need to add Extra Coverage for your personal electronics, furniture, and clothing, as they are covered by your base policy. (Your bike is also covered by your base policy, but Extra Coverage will give you extra perks and protections.)

What happens if Lemonade does not approve my item?

Our team reviews each item to determine if it’s eligible for Extra Coverage. If your item is not approved, it may be because your item is already covered by your base policy, or your item may need special coverage that is not currently offered by Lemonade. In any case, your base policy will not be affected.

Payments

How do I pay for my Lemonade insurance?

As a homeowner you have two payment options:

  • Payment through your lender (escrow)
  • Direct payment using your card

Payment through your lender

If you choose to pay through your lender, we’ll need to get your lender’s details, as well as some basic loan info.

If you’re closing on a new home and would like to include your homeowners insurance as part of your closing costs, we’ll be happy to sort that out with your lender.

If you’re just looking to switch to a new insurer, you can also opt into paying through escrow, and we’ll go ahead and bill your lender.

Direct payment using your card

If you’d like to pay directly, we will ask you for your credit card details, and give you the option to pay monthly, or for the entire year. Note that if you're closing on a new home, you will need to pay for the first year in full.

Regardless of how you end up paying, know that you can always cancel your policy and get a refund for the remainder of the period you’ve paid for.

What if I miss a premium payment?

If your credit card is declined, we’ll ask you to provide us with a different one. We’ll keep bugging you to settle your tab, but eventually, we’ll have to cancel your policy. We’ll warn you first.

Availability

Where is Lemonade Homeowners insurance available?

Arizona, California, Colorado, Connecticut, District of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Missouri, Nevada, New Jersey, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Virginia, and Wisconsin.

Where is Lemonade condo insurance available?

Arizona, California, Colorado, Connecticut, District of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Missouri, Nevada, New Jersey, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Rhode Island, Virginia, Washington, and Wisconsin.

We’ll be rolling out our insurance products in additional states in the coming year.

Switching to Lemonade

Can I switch to Lemonade if I already have an active homeowners insurance policy?

Sure you can! It’s actually quite easy.

We'll notify your lender and handle updating your escrow payments (if needed), and then handle your switching request with your previous carrier.

Can I sign up over the phone?

No, you can only sign up for Lemonade through our mobile app or our website.

Claims

How do I file a claim?

Easy! Just open the Lemonade app and hit the ‘Claim’ button. We will guide you through the rest of the short process there.

How will I get paid for a claim?

After you complete the claim report on the Lemonade app, you will be asked to enter your bank account information. Once your claim is approved, we’ll issue payment, minus the amount of your deductible, directly into your account.

How fast will a claim be paid?

Our goal is for the majority of simple property claims to be paid almost instantly. There will be cases in which we’ll need to fully review the incident to approve the claim, and there will be property damage claims or liability claims that may take longer to settle. If this is not the first loss you are reporting, or if some of the information we require is missing from your report, our team will need extra time to manually assess the incident and will most likely get in touch with you for further review.

Why does Lemonade ask me to record a video during the claims process?

There’s no better way for us to understand your incident than by having you tell us in your own words. It only takes a minute to shoot the video. We’ll use your video solely for the process of handling or reviewing your claim.

What’s considered a claim emergency?

We define an emergency as an event that requires immediate assistance or temporary housing as a result of fire, ongoing water damage, or any other structural damage that leaves your home exposed.

Shortly after you report an emergency, our response team will call you to assess the situation and provide you with emergency services such as water or fire damage cleanup, temporary housing, or a designated specialist as soon as possible. We have your back, 24/7.

Lemonade has a network of emergency response and repair partners enabling us to respond to just about any incident at just about any time. For emergencies relating to your home and property where you don't have access to our app or website, you may call us at (844) 733-8666.

What documentation do you need from me? Do I need to take an inventory?

When filing a claim for your property, if you have receipts—that's great! But, we know that not everyone saves their receipts. Do try and be sure to keep your receipts for the more expensive stuff you buy—say, $250 and up. That way, we can settle your claim more quickly. Even if you don’t have the receipt, keeping note of where and when you purchased more expensive items will help us help you.

How do you calculate the value of my personal property during a claim?

Our homeowners policies offer ‘replacement cost’ for any destroyed, damaged, or stolen items. This means we’ll calculate the value of your item based on its current, lowest, as-new market value. If the item is no longer being sold, we will look for a similar one, and use that price for reference.

Here’s an example: Your camera has been stolen. You bought it three years ago for $500, and today, this exact model sells for $350. Since our job is to provide you with an exact replacement, the value we will calculate is $350.

Renters Insurance

Policy

How do you calculate the cost of a Lemonade Renters policy?

Renters premiums are calculated individually for each policyholder and are based on a number of different factors. Here are things that could affect your renters insurance price:

  • The more coverage you add, the higher the premium gets
  • Choosing a higher deductible can lower your premium price
  • Where you live may affect your premium
  • Insurance history that’s full of claims will increase your price, and in some cases even prevent us from being able to cover you
  • Protective devices such as deadbolts, burglar alarms, and smoke alarms will get you a discount
  • Bundling with other Lemonade products, such as pet, will get you a discount
  • In certain states, paying annually will reduce your premium

How can I lower my renters policy price?

Your policy price (the ‘premium’) is mostly affected by the coverage amounts of your policy, which you can easily adjust before payment. A higher deductible may lower your price. (Your deductible is the amount that will be deducted from any claim payment you may receive. Think of it as your participation in the damage or loss.)

In addition, your rate may be reduced if you live in areas that are less susceptible to environmental, crime, or weather-related damages and if you own protective equipment such as fire and burglar alarms.

I’m moving to a new place. How do I change the address on the policy?

Renters insurance policies cover a specific property at a specific address. If you’re moving (or already moved) to a new place and would like to keep the settings and extra items you had on the previous policy, do the following:

  1. 1. Open the Lemonade app and sign in (download for iPhone and Android)
  2. 2. Tap the menu icon in the top left corner
  3. 3. Tap “Ask Us Anything”
  4. 4. Type “I’m moving to a new place”
  5. 5. Maya will guide you through the steps to move from your old address to your new one. The entire process should take less than a minute!

If I report a loss or have bad credit, will my premium be affected?

It might. History shows that people with poor credit or who have a record of making claims are more likely to make claims in the future. In fairness, our rates have to take all relevant data points into account, and your credit and claims history are two of the factors influencing your rate. As your history changes (for better or worse) over time, your rates may reflect it. Some jurisdictions restrict our ability to increase rates due to prior losses or credit.

How do I cancel my Lemonade Renters policy?

You can cancel your policy at any time through the Lemonade app or website and receive a refund for the remaining period you’ve paid for. If you ever want to come back, we’d love to have you! But please be aware that insurance prices change from time to time, so your new policy may come with a different rate.

Great prices? I got a quote that’s higher than my old insurer, what gives?

We say we have great renters insurance prices, and we mean it. But while our prices tend to be cheaper than those of the more established players, that won’t always be the case. Insurers use different models and data sets to establish prices, and on occasion, our prices will be higher than someone else’s. It’s the way statistics work. If it’s any comfort, please remember that any leftover money will be donated to a charity of your choosing… that’s a good reason to go with Lemonade!

Coverage

What does a Lemonade Renters insurance policy cover?

A Lemonade Renters policy covers your stuff against damages caused by things like fire, vandalism, theft, and other named perils. It also protects you against liability claims for damages you accidentally cause others. And in cases where your home becomes unlivable due to certain damages, we’ll also help cover the costs of alternative living arrangements.

For a complete list of coverages, we recommend getting a quote. In the quote page, you’ll be able to see and make changes to your coverage, deductible, start date, and more. After buying a policy, we’ll send you a copy of your new policy by email.

Are roommates covered under Lemonade Renters policies ?

Unfortunately not. Insurance only covers you, and the property you legally own. When living with roommates, we recommend asking them to get a Lemonade renters policy as well.

Is my spouse covered?

The short answer is yes, but we suggest adding their name to your policy.

You'll be happy to know that your renters policy automatically covers all residents of your household who are related to you by marriage, blood, or adoption.

Just make sure you buy enough coverage to cover everyone’s personal property. Remember to take everyone’s laptops, bikes, electronics, jewelry, musical instruments, and clothing into consideration.

Is my significant other covered under my Lemonade Renters policy?

If you’re living with your significant other, we suggest adding their name to your policy (at a minor additional cost). Beyond adding their name, make sure you update your personal property coverage to include the stuff they keep in your home as well.

What specific kinds of things am I covered for with a Lemonade Renters policy?

Your renters insurance policy covers your place against perils (aka, bad stuff like fire, windstorm, or an explosion). But it does more than that.

Your policy is broken up into several types of coverage:

  • Personal Property will be activated in various scenarios, like if your laptop or bike is stolen, or if a kitchen fire destroys your belongings
  • Loss of Use will help with additional living expenses (like hotel bills) if your place becomes uninhabitable due to a peril like a fire, windstorm, etc.
  • Liability Coverage or personal liability insurance refers to coverage in the case of bodily injury or property damage to other people (or their stuff) as a result of your actions - at your home, and anywhere else
  • Medical Payments to help pay for medical bills, under $5,000 in most cases, that you incur if something happens to guests while at your place

Am I covered if something I own gets stolen outside of my home or apartment?

Yes. A Lemonade renters policy covers your personal property “anywhere in the world” (that’s taken directly from our policy).

If your bike gets stolen from in front of your apartment or your laptop gets stolen from your local coffee shop, you are covered up to your policy’s personal property limit. Your deductible applies, and we'll also need you to file a police report with the officer’s name, precinct/department, and report number. Keep in mind, a stolen pet is not covered under any of our policies.

What kinds of things are not covered under a Lemonade renters policy?

Unfortunately, insurance doesn’t cover e-v-e-r-y annoying thing that can happen. Things like your power, water, or heat going out in the dead of winter, or a bed bug infestation, aren’t covered by renters policies. That means we can’t reimburse you if any of those things happen.

We also don’t cover personal property that gets mistakenly lost or broken. Here’s a guide to what’s covered and what’s not under our renters policy.

Is my laptop covered?

Yes! Your Lemonade renters policy covers your personal electronic equipment up to the amount you select for Property & Valuables when signing up.

Coverage for laptops, phones, tablets, TVs, and other personal electronics are all included, as standard, in the policy. Please note that this is coverage against the list of specific, named perils mentioned in the policy such as theft, fire, explosion, vandalism, etc. Be careful with that computer, because your policy doesn’t cover loss or breakage if you drop it!

If my dog bites someone, am I covered?

Generally, yes, if your dog bites someone you're covered under your renters policy. However, you're not covered if your dog has a history of biting or if your dog is categorized as a high-risk breed. These breeds can be found in the 'not covered' section of your policy.

Do you offer earthquake coverage?

We currently offer earthquake insurance policies for our renters in California and Arkansas. We’re looking to expand this offering to other states, so stay tuned.

It’s worth noting that our base policies in all states already cover direct loss caused by fire, explosion, or theft resulting from earthquakes.

How can I increase or decrease Lemonade Renters policy coverages?

Before purchasing a renters policy, you’ll be able to adjust the coverages you need as well as choose a deductible that works best for you. Naturally, we have maximum and minimum limits to all coverages.

After you buy a policy, you’ll be able to view and edit your coverages through the Lemonade app.

Is my self-storage locker covered under a renters policy?

For personal property stored in a self-storage facility, or usually stored at a place other than your home, our policy covers you for theft up to a limit of $1,000. Note, if you’re in NY, CA, or CT, our policy covers your personal property in self-storage units for up to 10% of your Coverage C (personal property limit). Make sure to review your policy to understand the amount of coverage you have.

Oh, and if your personal property is stored in the basement of your apartment building, it’s covered because it’s still at your home address.

What is liability protection?

We offer personal liability protection as part of our renters policies. This means Lemonade will hire a lawyer to defend you, and we'll pay covered damages you are found liable for, in the event someone claims to be injured due to your actions or negligence, or if there’s property damage to someone else’s property caused by your actions or negligence. Make sure to read your policy. If you experience an incident that may fall under this coverage, then make a claim using our app.

Extra Coverage

How do I add Extra Coverage for my expensive items?

It’s easy to add Extra Coverage to your renters policy for your fine art, jewelry, watches, camera bodies and lenses, musical instruments, and some other personal property. Everything can be done through the Lemonade app. All we’ll need are photos of the items you want covered, as well as a receipt or appraisal.

We’ll be offering the ability to add Extra Coverage for even more types of property soon, but in the meantime, you’re in luck: A base policy already has coverage built in for your big-ticket purchases like furniture, designer clothing, bikes, personal computers, and personal electronics. (Adding Extra Coverage for your bike, though, provides additional benefits and protections—like deductible-free claims, and coverage for accidental damage.)

Why should I get Extra Coverage for my personal property?

Better coverage

Extra Coverage provides renters with protection against accidental loss, damage, and theft, worldwide. (FYI, your base policy does not cover stuff that simply gets lost.)

No deductible

This means that unlike standard coverage, there will be no deduction of funds from your claim payment.

Get coverage for jewelry worth $1,500 or more

Your base renters insurance policy covers your jewelry, but only up to a total of $1,500. So, tally up your bling, and if it collectively is worth more than $1,500, you’re going to want Extra Coverage.

When can I add Extra Coverage?

Any time! But don’t forget that Extra Coverage only kicks in after your items have been submitted and approved by our team. Items are added one at a time, and you will need to provide a short description, photo, and receipts or appraisals for each. (Here's more info on all of that.)

What kind of items can I add?

Currently, our Extra Coverage is offered for jewelry, fine art, cameras, bicycles, and musical instruments. You do not need to add Extra Coverage for your personal electronics, furniture, and clothing, as they are covered by your base renters insurance policy. (Your bike is also covered by your base policy, but Extra Coverage will give you extra perks and protections.)

What happens if Lemonade does not approve my item?

Our team goes over each item to determine if it’s eligible for Extra Coverage. If your item is not approved, there could be a few reasons. It may be because your item is already covered by your base renters policy, or your item may need special coverage that is not currently offered by Lemonade. In any case, your base policy will not be affected.

Payments

How do I pay for my Lemonade Renters policy?

You can pay for your Lemonade Renters policy using a credit card (or SEPA in some European countries). You choose between annual or monthly payment plans. In some states we provide discounts if you select the annual option. If you choose a monthly plan, we will continue to charge your card automatically each month.

Availability

Where is Lemonade Renters insurance available?

Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Missouri, Nevada, New Jersey, New Mexico, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, Tennessee, Texas, Virginia, Washington, and Wisconsin.

Switching to Lemonade

Can I switch to Lemonade if I already have a renters policy elsewhere?

Sure you can! It’s actually quite easy.

We’ll send your previous insurer a formal notice. Once they get it, they’ll need to cancel the remainder of your policy term, and refund you for any outstanding payments.

We handle thousands of switching requests every week, with people moving to Lemonade from companies like Allstate, State Farm, Farmers, Liberty Mutual, Geico, USAA, Travelers, and more!

Landlords

Can I add my landlord as an interested party?

Sure! Landlords and property managers may require that you list them on your policy as an ‘interested party.’ This means they’ll be automatically notified about major changes, such as cancellations or coverage modifications.

To do this simply open the Lemonade app, tap your policy, and look for the option to add an interested party.

Claims

How do I file a claim?

Easy! Just open the Lemonade app and hit the ‘Claim’ button. We will guide you through the rest of the short process there.

How will I get paid for a claim?

After you complete the claim report on the Lemonade app, you will be asked to enter your bank account information. Once your claim is approved, we’ll issue payment, minus the amount of the deductible on your renters policy, directly into your account.

How fast will a claim be paid?

Our goal is for the majority of simple property claims to be paid almost instantly. There will be cases in which we’ll need to fully review the incident to approve the claim, and there will be property damage claims or liability claims that may take longer to settle. If this is not the first loss you are reporting, or if some of the information we require is missing from your report, our team will need extra time to manually assess the incident and will most likely get in touch with you for further review.

Why does Lemonade ask me to record a video during the claims process?

There’s no better way for us to understand your incident than by having you tell us in your own words. It only takes a minute to shoot the video. We’ll use your video solely for the process of handling or reviewing your claim.

What’s considered a claim emergency?

We define an emergency as an event that requires immediate assistance or temporary housing as a result of fire, ongoing water damage, or any other structural damage that leaves your home exposed.

Shortly after you report an emergency, our response team will call you to assess the situation and provide you with emergency services such as water or fire damage cleanup, temporary housing, or a designated specialist as soon as possible. We have your back, 24/7.

Lemonade has a network of emergency response and repair partners enabling us to respond to just about any incident at just about any time. For emergencies relating to your home and property where you don't have access to our app or website, you may call us at (844) 733-8666.

What documentation do you need from me? Do I need to take an inventory?

When filing a claim for your property, if you have receipts—that's great! But, we know that not everyone saves their receipts. Do try and be sure to keep your receipts for the more expensive stuff you buy—say, $250 and up. That way, we can settle your claim more quickly. Even if you don’t have the receipt, keeping note of where and when you purchased more expensive items will help us help you.

How do you calculate the value of my personal property during a claim?

Our renters policies offer ‘replacement cost’ for any destroyed, damaged, or stolen items. This means we’ll calculate the value of your item based on its current, lowest, as-new market value. If the item is no longer being sold, we will look for a similar one, and use that price for reference.

Here’s an example: Your camera has been stolen. You bought it three years ago for $500, and today, this exact model sells for $350. Since our job is to provide you with an exact replacement, the value we will calculate is $350.

Pet Health Insurance

Policy

How do I know what my policy covers?

You get to see a summary of your coverage and a sample of a policy when you sign up, and before you pay. You’ll also be able to edit your coverage and other policy settings such as the deductible, start dates, and more. After payment, we will instantly issue your final policy and send it to you by email. Here’s some important info for California pet parents.

How do you calculate my premium?

Pet premiums factor in your pet’s breed, age, and optional add-ons that you choose. We also provide a bundling discount for policyholders who hold a pet and home insurance policy from Lemonade, such as homeowners, renters, co-op, or condo insurance.

Does Lemonade require my pet’s medical history?

At Lemonade, we require a medical record that includes info from a visit that took place within 12 months of your policy’s start date. You can also sign up for your Lemonade policy and then get your updated medical record together within 14 days… but don’t forget!

We need a full ‘nose to tail’ exam of your pet (called SOAP notes by vets). This will usually include:

  • Notes on the condition of fur, skin, eyes, ears, mouth, joints, and other body systems
  • Blood test/fecal test results
  • Details on diet/exercise
  • Details on current medications
  • Date of last vaccination
  • Any medications they are being sent home with today

Can I go to any vet?

You can go to any vet you like in the US. As long as they’re licensed to provide veterinary care in the state they operate in, it’s fair game.

What if I want to cancel my policy?

You can cancel your policy at any time through the app, and receive a refund for the remaining period you’ve paid for. (FYI, canceling your policy will eliminate any potential Giveback associated with your policy.) And if you ever want to return, it’s no problem! Know that our prices change from time to time, so your new policy may come with a different rate. Keep in mind that any illnesses or injuries that occurred or were diagnosed under your former policy will be considered pre-existing conditions on a future policy.

Can I sign up over the phone?

No, you can only sign up for Lemonade through our mobile app or our website.

Great prices? I got a quote that’s higher than my old insurer, what gives?

We say we have great prices, and we mean it. But while our prices tend to be cheaper than the more established players, that won’t always be the case. Insurers use different models and data sets to establish prices, and on occasion, our prices will be higher than someone else’s. It’s the way statistics work. Also, remember that any leftover money may be donated to a charity of your choosing during the annual Giveback, which is another good reason to choose Lemonade!

How do I change my address for my Lemonade policy?

Congrats on the new place! A move has different implications for different kinds of policies. For your pet health insurance policy, you can just open the app and let us know about your change of address.

If I report a loss or have bad credit, will my premium be affected?

It might. History shows that people with poor credit or who have a record of making claims are more likely to make claims in the future. In fairness, our rates have to take all relevant data points into account, and your credit and claims history are two of the factors in your rate. As your history changes (for better or worse) over time, your rates may reflect it. Some jurisdictions restrict our ability to increase rates due to prior losses or credit.

Coverage

Can I increase or reduce my coverages?

You can submit a request to increase or decrease your coverages, within the first 14 days of your policy, and again at your annual renewal. Our team will then reach out and let you know if the changes have been accepted by our underwriting team. When you purchase a pet health insurance policy you have the option to add some additional coverages, like a preventative wellness plan and coverage for physical therapy. Before payment, we’ll show you a summary of your policy coverages.

When does my coverage kick in?

Once you activate your pet insurance policy, there are three different waiting periods to keep in mind before you can file a claim:

  • 2 days for accidents
  • 14 days for illnesses
  • 6 months for cruciate ligament events

These waiting periods begin on your policy’s start date. We can only offer reimbursement for your claim after the applicable waiting period ends. That’s why it’s so important that you buy insurance long before you need it.

What is a deductible?

For a pet health insurance policy, the deductible is the annual amount you contribute before your insurance kicks in, which means it can be used up in one big claim or met after multiple claims over the course of a year.

What is co-insurance?

In case your pet gets sick or hurt, you are responsible for two different kinds of contributions to the costs of your pet’s diagnoses and treatments: your deductible, and the remainder of the cost after co-insurance.

Co-insurance is the percentage of the total cost we’ll pay on a claim. So if the co-insurance you chose is 80%, then after your annual deductible is satisfied we’ll pay for 80% of covered costs when your pet gets veterinary care, and you’ll pay the other 20%. Keep in mind that this is applied to every claim.

Is my roommate covered?

No, you can’t share a pet health insurance policy with your roommate.

Can my significant other use this policy?

If you’re married, your spouse will be able to file claims on a policy in your name. If you’re sharing a pet, but not married, you’ll need to make sure whoever legally owns the pet has the pet health insurance policy.

What kinds of bad things am I covered for with pet health insurance?

Your pet health insurance policy covers the costs of diagnostics and treatments for accidents and illnesses. So if your dog starts throwing up, and it turns out they ate something dangerous, you’d be covered for any medicine or surgery relating to it. You can read more about what’s covered here.

What kinds of things are not covered under a Lemonade policy?

Unfortunately, our policies can’t cover everything. For your pet health insurance policy, you won’t be covered for pre-existing conditions, dental care, elective surgeries not related to an accident/illness, or anything that happens as a result of your neglect. We made some cheat sheets of what’s not covered under your pet health insurance policies to help you know what you’re getting.

Can I extend coverage on my pet health insurance policy?

Yes. When you purchase a policy you have the option of toggling on some additional coverages. Our Preventative and Wellness package means we’ll pay for preventative care costs (like annual wellness exams, bloodwork, vaccines, and more). We’ll also give you access to live chat with our pet health experts.

If you really want to go above and beyond for your pet you can add the Extended Accident and Illness package, which allows us to reimburse you for treatments for functionality issues (things like physical therapy, acupuncture, and hydrotherapy) that can help your pet through a recovery process. We’ll also pay for vet visit fees that are charged for accidents and illnesses.

Of course, there are some exclusions and limits on our coverages, and you can find them clearly explained in our policy.

Why should I add a package to my pet health insurance policy?

Our base pet health insurance policy helps you pay for diagnostics and treatments related to accidents and illnesses, but you can add our Preventative and Wellness package, and our Extended Accident and Illness package, to get a whole lot more.

If my dog bites someone, am I covered?

If your dog bites someone you're covered as part of your renters or homeowners policy, not your pet health insurance policy. However, your renters or homeowners insurance won’t cover you if your dog has a history of biting or if your dog is categorized as high-risk. These breeds can be found in the 'not covered' section of our policy.

Policy Add-ons

What’s included in the Extended Accident and Illness package for pet health insurance?

If you add this, we’ll be able to reimburse treatments for functionality issues (things like physical therapy, acupuncture, and hydrotherapy) that can help your pet through a recovery process. Bonus: We’ll pay for vet visit fees that are charged for accidents and illnesses (that’s the fee the vet charges for their time and labor, in addition to the actual cost of the treatment).

What’s included in the Preventative and Wellness package for pet health insurance?

This package is designed to keep your pet healthy, which means we can help pay for preventative care costs (such as annual wellness exams, bloodwork, vaccines, and more). As a bonus, you’ll get chat access to our pet health experts.

Payments

How do I pay for Lemonade?

After reviewing your coverage summary and having an opportunity to look at a sample policy, you’ll be able to pay using your credit or debit card. We will charge you when you pay for your policy, and every month thereafter. If you prefer, you can pay for your policy on an annual basis instead.

How do claim payments work?

Our pet health insurance is on a reimbursement basis, so we will reimburse you for our part of approved claims.

What if I miss a premium payment?

If your credit card is declined, we’ll ask you to provide us with a different one. Please note, we’ll keep bugging you to settle your tab, but eventually, we’ll have to cancel your policy. We’ll warn you first.

Availability

Where is Lemonade pet health insurance available?

Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, Michigan, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin.

We’ll be rolling out our insurance products in additional states in the coming year.

Claims

How do I file a claim?

Easy! Just open the Lemonade app and hit the ‘Claim’ button. We will guide you through the rest of the short process there.

How will I get paid for a claim?

After you complete the claim report on the Lemonade app, you will be asked to enter your bank account information. Once your claim is approved, we’ll issue payment, minus the amount of your contribution, directly into your account.

How fast will a claim be paid?

Our goal is for the majority of simple claims to be paid almost instantly. For a pet health insurance policy, this could mean covering the costs of a procedure or test before leaving your vet’s office. There will be cases in which we’ll need to fully review the claim in order to approve it, and there will be claims that may take longer to settle. If this is not the first claim you are filing, or if some of the information we require is missing from your report, our team will need extra time to manually assess the incident and will most likely get in touch with you for further review.

What’s considered a claim emergency?

For your pet health insurance policy, these claims could be anything from a car accident to ingestion of a toxic food requiring immediate surgery. For emergencies, you should contact your pet care provider as soon as possible, and file a claim on the Lemonade app when you’re ready.

Will my credit score be affected by applying for a policy?

No. We sometimes perform a ‘soft’ credit check, but this does not affect your credit score in any way. We may have to run this check in order to complete your policy pricing.

What documentation do you need from me?

When it comes to claims for your pet’s health, you’ll need to send us the invoice and the receipt from your vet or clinic. If that sounds like a headache, don’t worry, your vet/clinic will know what documentation is necessary for us to help cover costs. Keep in mind that in order to participate in the payment of your pet’s care, we’ll need to have a medical exam on file from the 12 months prior to your policy period’s start date, or from the first two weeks after you sign up. We may also ask for additional information from your vet when handling a claim.

Life Insurance

Policy

How does term life insurance work at Lemonade?

Applying for term life at Lemonade is quick, easy, and fully digital. You’ll get your application results in minutes, and we’ll never ask you to get a medical exam or a lab test. We just need you to answer some basic questions about your health, and we’ll do the rest.

We’ll also help you properly list your beneficiaries, and provide you with all of the information they would need if something bad were to happen to you.

Ready to try it out? Click here to get started.

How is term life at Lemonade different?

Lemonade was founded to change the insurance industry, rethinking insurance from the ground up. We’re truly customer-centric, which means that we care about customers like you more than anything else.

Unlike other term life offerings, you won’t need to see an agent or doctor before getting your quote. The process is 100% digital, and takes minutes (not weeks) to apply.

We’re powered by the most advanced technology, and we care about the world and the environment: We’re a Public Benefit Corporation, and a Certified B-Corp. Plus, JD Power, US News & World Report, Clearsurance, and others rate Lemonade #1 in customer satisfaction.

Who can apply for coverage?

Anyone between 18 and 60 years of age can apply. However, it’s important to note that our term life offering is designed for generally healthy people who have no history of heart disease, cancer, other life-threatening conditions, or a habit of engaging in high-risk activities, including drug or alcohol abuse, or participating in dangerous sports.

I was declined. Why?

Sadly, not everyone can be approved for a term life policy - whether that’s due to your health background or lifestyle factors.

What kind of life insurance does Lemonade offer?

Term life insurance. You can apply for a policy that lasts for either 10, 15, 20, 25, or 30 years, with up to $1.5 million of coverage to help protect your family in the event that you pass.

Why isn’t a medical exam required?

One of the things that truly motivates us is using technology to make people’s lives better and more enjoyable. We believe that (digitally) asking you about your lifestyle and health provides a sufficient picture of your medical profile to determine if you’re a good fit for the coverages we offer.

What happens when the policy term ends?

Your policy will simply expire. If you’d like to get another policy after it expires, you’re welcome to reapply.

Can I cancel at any time?

You sure can! There is never any charge for voluntarily canceling your policy. We even offer a 30-day free look period, so you'll get a full refund of your first month's premium if you cancel within the first 30 days. To cancel your policy, you can call us at 844-733-8666.

How much does life insurance cost at Lemonade?

Policies start at $9/mo, though your customized premium depends on several factors, including how much coverage you get (and for how long), as well as your age, lifestyle, health background, and location.

Will my price change over the years?

Nope. Whether you choose a 10, 15, 20, 25, or 30 year term, your premium is locked in for the entire period.

Is my information kept confidential?

We’re obsessed with our customers’ privacy (see our Privacy Pledge). We will never sell your information to any third party. Note that, in order to provide our service, we may need to transfer information to our partners and providers, solely for the purposes of regulatory and financial audits; running our service and resolving an incident; or obtaining a term life policy and settling claim benefits.

Why do you need my Social Security number?

In order to verify your identity, we’re required to ask for your SSN and validate it. This helps us prevent fraud and the creation of fake accounts. We take data protection extremely seriously, and use secure encryption technology to safeguard your personal information. We also comply with, and even exceed, the most stringent data and privacy protection regulations. If you’re interested, we invite you to read our Privacy Pledge.

What about beneficiaries?

There are two types: primary and contingent. Primary beneficiaries are the first in line to get benefits; contingent only get benefits if the primary beneficiaries die or can’t accept benefits.

You can also name a primary beneficiary as irrevocable, which means they can’t be removed, and sign off on policy changes.

Can I change my policy?

You can change your beneficiaries at any time after purchase. This includes adding or removing beneficiaries, changing the amount of the benefit each of them would receive, and updating their contact information.

You cannot change your coverage amount or term length once you’ve purchased a policy.

Coverage

Who should I list as my beneficiary if something happens to me?

You can name your spouse (or ex-spouse), domestic partner, parents, kids, business partner, fiance or fiancee, sibling, or grandparent. Take note that whoever you choose must experience some financial loss or hardship if you were to pass (they have an ‘insurable interest,’ in insurance speak).

If you’re looking to give your partner and kids financial support, your spouse might be the right choice. If you’d like to support your business, your business partner would be sensible. You’ll need to choose the first in line to receive a payout (your ‘primary beneficiary,’ in insurance speak), and you also have the option to select a backup (aka, your ‘contingent beneficiary’).

What kinds of things are not covered under a term life policy?

Term life doesn’t cover death from suicide in the first 2 years of your policy.

Also, if any inaccurate or false information was provided when signing up for life insurance, we can’t cover the claim. Rest assured that the sign-up process is simple, clear, and easy, to avoid any confusion.

What’s the difference between term life and whole life insurance?

Term life insurance is the cheapest way to protect your loved ones from financial hardship in case you pass. Term life policies can cover you for 10, 15, 20, 25, or 30 years, while whole life insurance (a type of ‘permanent’ life insurance) covers you for your entire life. Whole life policies build cash value, so they tend to be more pricey. For more info about term life vs. whole life, check out our guide.

Where can I find more coverage details?

You will see a summary of your coverage once you’re approved, before you pay. After payment, your policy will be instantly activated, and you can view your policy details in the Lemonade app.

Will you guys be around in 30 years?

We sure will—we’re not going anywhere. Lemonade is a publicly traded company (NYSE:LMND) and is rated A-Exceptional. Unlike most of the new insurance startups out there, Lemonade is an insurance carrier, reinsured by some of the most trusted names on the planet. Our term life offering is issued and provided by A+ rated (superior) industry giant North American Company for Life and Health Insurance®—they’ve been around for over 100 years.

Availability

Where is Lemonade’s term life offering available?

In every state across the US, except New York (coming soon!). In other words, term life at Lemonade is available in Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington, D.C., West Virginia, Wisconsin, and Wyoming.

Payment

How do I pay for term life?

You can pay using your credit or debit card. We’ll charge you the first month’s premium when you finalize your policy, and continue to automatically charge your card on a monthly basis thereafter.

Switching to Lemonade

Can I switch to Lemonade if I already have an active life insurance policy?

Yes, in most states. You can either keep your original term life policy as a supplement, or cancel it entirely via your current insurer. Take note that regulations prevent us from replacing an existing term life policy in Florida, Georgia, Indiana, Kansas, Michigan, Nevada, Oklahoma, and Wyoming.

I have term life insurance through work. Is that enough?

Any life insurance is surely better than none, but take note that employer-based insurance generally only provides coverage amounting to 1-2 times your salary, which may not be enough for your family’s future financial needs. It is recommended to get an additional term life policy alongside the one you might have through work.

Giveback

What is the Lemonade Giveback?

The Lemonade Giveback is how we support amazing nonprofits who are doing good in the world.

Insurance works by pooling small amounts of money (premiums) from a large group of people to pay for the unlucky few who suffer covered losses (claims). Since it’s impossible to predict how much money will be needed to cover these losses, the amounts people are asked to pay may be higher than what’s needed some years. Often, there’s money left at the end of the year.

Whereas traditional insurance companies keep that money as profit, we don’t. Instead, after taking a flat fee, we donate the leftover $ to nonprofit partners chosen by our customers, the Lemonade community.

When do you pay the Giveback?

We calculate and pay the Giveback around the end of June.

How do you choose which nonprofits to give back to?

We work with a wide range of organizations that align with our mission of transparency and taking stands. By listening to customer suggestions, and reacting to current events like Covid-19, we are constantly adding to our diverse list of local, national, and global nonprofits.

We make sure to assess the quality of nonprofit organizations based on their transparency to the public and their financial, fundraising, and administrative procedures. Plus, we ensure all our nonprofits have high ratings from Charity Navigator. Find the full list of Giveback partners here.

How often can I change causes?

Once you pick a cause, it will be set until we pay the next annual Giveback. Once the Giveback is paid, you will have an opportunity to pick a new cause.

How can I add my cause to your Giveback program?

We’ll be happy to consider your cause for our Giveback program. For more information, reach out to us at [email protected].

Is the Giveback guaranteed?

No. Giveback is part of our corporate policy, and our plan is to pay it every year. But sometimes, groups choosing the same Giveback charity will not have any money left to give back because their claims depleted the Giveback pool. Paying claims is our top priority, and in extreme circumstances could come at the expense of Giveback. Check out our most recent Giveback.

What happens to my Giveback if I cancel my policy?

Lemonade only pays a Giveback with respect to active policies.

Help