We’re a full-stack insurance carrier built to provide the most delightful and transparent insurance experience in the world.
We offer hassle-free renters, homeowners and landlords insurance in France, contents and personal liability insurance in Germany and the Netherlands, and contents insurance in the UK. We also offer homeowners, renters, car, pet, and life products across the US.
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 donate them to nonprofits our customers choose.
We’re transparent. We want you to understand exactly what you’re buying and how much you’ll be paying for it. This is why we introduced the world’s first open source collaborative insurance policy, where we ask for customers and insurance experts to come together and edit the perfect policy!
It’s called Policy 2.0, and it’s available in France, Germany, the UK and the Netherlands.
Traditional insurance companies collect profits from whatever premium is left after paying claims and expenses.
Lemonade was built differently.
Instead of profiting from unclaimed premiums, we take a flat fee out of your premium upfront—that’s our profit—and donate whatever money may be left, after paying claims and expenses, to charities you choose. We call this the Lemonade Giveback.
This way, our customers enjoy amazing insurance, and society gets a little push for the better. It also means that we're happy to pay claims fast and without any hassle.
Policy 2.0 is the radically simplified, modernized, and digitized insurance policy by Lemonade. It lays out what’s covered and what’s not in our insurance product. The best thing about Policy 2.0 is that it was written for the 21st century, so it’s relevant for your everyday life. Making insurance simple, approachable, and relevant should be a common goal, a communal effort, and a universal benefit. That’s why our Policy 2.0 is open-sourced: we want to hear feedback from our community, and share it with the industry so that everyone can help make insurance simple.
Lemonade keeps a fixed percentage from the premiums we collect. This pays for developing loads of cool tech, running the company (salaries, rent, reinsurance, and so on), and turning a profit. If there’s money left after claims are paid, we donate it to nonprofit causes selected by the Lemonade community.
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. Lemonade Inc. owns Lemonade Insurance N.V., subsidiary company in support of its European operations:
Lemonade Insurance N.V. is under the supervision of the Dutch Central Bank (De Nederlandsche Bank, DNB), operates in France under the European Freedom of Services regime and is identified as such by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) with registration number 1500003.
Lemonade Agency B.V. is under the supervision of the Dutch Market Authority (Autoriteit Financiële Markten, AFM) with registration number 12047085, operates in France under the European Freedom of Services regime and is identified as such in ORIAS.
The French Autorité de Contrôle Prudentiel et de Résolution, "ACPR", is charged with preserving the stability of the financial system and protecting the customers, insurance policyholders, members and beneficiaries of the persons that it supervises.
The Organisme pour le Registre des Intermédiaires en Assurance, "ORIAS", is an association under the supervision of the Treasury Department in France and in charge of approving insurance intermediaries operating on the French market.
More details about Lemonade’s legal structure can be found in our Legal Stuff section.
Lemonade policies are primarily sold online through our website or our mobile app. Customers can download the app in order to manage their policy, get help from our team, and file claims.
We offer renters, homeowners and landlords insurance in France, contents and personal liability insurance in Germany and the Netherlands, and contents insurance in the UK. We also offer homeowners, renters, car, pet, and life products across the US.
We’re constantly working on new and exciting products and features. We recommend following us on Twitter to get updates.
Yes! Some of the biggest reinsurers in the world are reinsuring Lemonade, like Swiss Re, Munich Re, and Hannover Re.
If you live in France, the UK, the US, the Netherlands and Germany—you’re in luck. For everyone else: we’re coming soon, so stay tuned via Facebook and Twitter or sign up here for updates.
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.
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 or by emailing [email protected].
Complaints can be submitted as a first step to our customers team via [email protected]
If we can’t resolve the issue together, you’ll be able to submit the complaint to an independent party. Whilst we work our way to becoming a member of the French Mediation d’Assurance, you can in the meantime submit your complaint to the online dispute resolution (ODR) platform of the European Commission. The ODR platform enables you to submit your complaint in the language of your choosing.
Following this procedure the complaint can then be transferred to the Dutch financial ombudsman (Kifid), which is the institution we operate with, Lemonade being a Dutch entity. Please note that Kifid will handle your complaint in English. Lemonade will provide for a translation of your correspondence to and from Kifid, where necessary and relevant.
Information on the complaints procedure and contact details can be found at https://ec.europa.eu/consumers/odr/main/?event=main.home.howitworks
Transparency and integrity while processing your personal data is very important to us. We comply with data protection regulations, including the EU General Data Protection Regulation ("GDPR"). In fact, we like to say we are GDPR-compliant by design, building Lemonade with the customer as our focus. 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.
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 to also 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.
We cover your stuff against fire, smoke, explosions, power surges, windstorms, hail, snow pressure, collisions by vehicles or aircraft, and water damage caused by leaks, ruptures, overflows, blockages of pipes or appliances, or infiltration through your roof or bathroom seals and tiles.
We also cover your stuff against natural or technological catastrophes (e.g. flooding, earthquakes, industrial disasters) when declared by the government and published in the Journal Officiel, and acts of terrorism.
Only in case of emergency, you can call our Assistance partners available 24/7 at: +33 801 840506. They will dispatch the right service from our trusted network of specialists, including locksmiths, plumbers, or electricians (see details in your policy).
We also help cover any increased living expenses in these scenarios. For example, if a kitchen fire forces you out of your apartment, or if a burst pipe upstairs means it’s now raining inside your apartment—we’ll cover the cost for a hotel.
Your coverage also includes private liability (“Responsabilité Civile”), which means you’re also covered for injuries or damages that you accidentally cause to others. This includes damages to the home you’re renting, and damages or injuries relating to your private life.
We also provide a legal defense if you cause injuries or damages to others, or seek recourse against others if you have sustained damage or injury from an event covered under this policy.
As always, make sure to review your policy to understand exactly what’s covered.
You have the option to include our add-ons that include Glass Breakage, Burglary and Vandalism, Complete Theft, Legal Protection and School Insurance. You can easily do it at the end of your quote, or anytime after buying your policy - just go to your Lemonade app!
At Lemonade, we have two different coverages aimed at protecting your stuff in case of theft:
First, with our Burglary and Vandalism coverage, we cover unauthorised or forced entry (aka, there was a clear break-in), or the use of force or threat of violence, in which items were stolen or damaged. For instance, if your television was stolen from your home after a break-in, you’re covered.
For even more protection, we also have our Complete Theft coverage. With this coverage, we cover you if your stuff was stolen, even if there was no clear sign of forced entry or violence. For instance, if your laptop was stolen from your favorite café, or it disappeared from your home without any signs of a burglary. We would also cover theft committed by people you welcomed into your home, like if you have a house party and an acquaintance pockets your favourite pair of earrings.
If you didn’t add these two coverages when you signed up, you can do so at any time through the app or by emailing [email protected].
Note: If the stolen item is worth more than 5 000 €, Extra Coverage is required to be covered in full.
Generally, yes. If your cat or dog bites someone, you'd be covered for legal and medical expenses under your policy. However, you're not covered if your dog is considered high-risk, meaning it is a category 1 or 2 breed under the regulations on dangerous dogs, such as a "Pit-Bull" or Rottweiler.
Also, we don’t cover any damage caused by horses, livestock, or wild animals that you own, or that are in your care.
Unfortunately, your insurance policy doesn’t cover every annoying thing that can happen. The policy doesn’t cover temporary accommodations if your power, water or heat goes out in the dead of winter, or if your apartment gets infested with bed bugs (eek!).
We also don’t cover your stuff that is accidentally lost or broken—so if you drop your phone and the screen cracks, that’s not covered. We also don’t cover damage relating to normal wear and tear like scratches or stains, or damage that arises gradually like mold or rust.
We also don’t cover burglary and vandalism, unless you have purchased our additional coverage (more details in the section above).
We only cover stuff that’s normally kept in your home, balcony, terrace, garage, garden shed, cellar, or a storage unit in your building. Stuff that is kept in common or unprotected areas is not covered. That means things that are normally kept elsewhere—like at your holiday home, office, or a storage facility—aren’t covered.
Yes, but not against every event. Laptops, phones, tablets, TVs, and other personal electronics are all overed against the list of specific perils (bad events) mentioned in your Renters policy, such as fire, explosions, collision of vehicles and so on. If you’d like your electronics to be covered against burglary, you’ll want to add our Burglary and Vandalism Coverage. If you’d also like to cover them for theft that happens outside of your home, you'll need to get our Complete Theft Coverage as well.
Keep in mind that your policy doesn’t cover your laptop if it gets lost or breaks if you drop it. Also note that we don’t cover business equipment, so if your computer is primarily used for your work, we will never pay to replace it.
And if your laptop is worth more than 5 000 € it needs to be added to the policy as a high-value item to be insured for its full value.
To determine the amount of coverage you need, make sure you take everything you own into account (pro tip: think of it as if everything you own goes up in flames, how much reimbursement would you need from us to cover all the things you lost). You want to make sure you aren’t underinsured, so when in doubt, always try to round up. If other people are insured under your policy, make sure you get sufficient coverage for them.
For your Liability coverage, this is personal for each customer, so best to fully understand what Liability covers, and then determine how much coverage would make you feel sufficiently covered. Lemonade allows for up to 10 million euros in Liability coverage (“Responsabilité Civile”).
Sure. Before purchasing a policy, you’ll be able to adjust the coverage you need, as well as choose a deductible that works 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. These changes may affect the premium you pay.
Our homeowners insurance includes three main components:
We will cover the damage to your home and your stuff due to fire, smoke, explosion, power surge, windstorms over 100km/h, hail, snow pressure, collisions by vehicles or aircraft, and water damage caused by leaks, ruptures, overflows, or blockages of pipes or appliances, or infiltration through your roof, your facade or bathroom seals and tiles.
We also cover your home and stuff against natural or technological catastrophes (e.g. flooding, earthquakes, industrial disasters) when declared by the government and published in the Journal Officiel, and acts of terrorism.
In case of emergency only and if you wish to contact our Assistance services, call our Assistance partners, available 24/7, at: +33 801 840506. They will dispatch the right service from our trusted network of specialists, including locksmiths, plumbers or electricians (see details in your policy).
We also help cover any reasonable living expenses in these scenarios. For example, if a kitchen fire forces you out of your apartment or if an intense rainfall floods your house, we’ll cover the cost for a hotel.
Your coverage also includes damage that you accidentally cause to others. This includes damage caused by fire, explosion or water leaks that come from the home you own, or damage or injuries you have caused relating to your private life.
We also provide a legal defense if you cause injuries or damages to others, or seek recourse against others if you have sustained damage or injury from an event covered under this policy.
As always, make sure to review your policy to understand exactly what’s covered.
You have the option to include in your contract our add-ons that include Glass Breakage, Burglary and Vandalism, Complete Theft, Legal Protection, and School Insurance. You can easily do it at the end of your quote, or anytime after buying your policy - just check your Lemonade app!
We won’t cover damage to your roof, facade, gutters, skylights, or the balconies themselves when caused by burst pipes and leaking appliances. We also don’t cover the cost to repair defective electrical panels or the cost to repair the part of the home that caused the damage. So if, for instance, a broken boiler causes a leak in your place, we won’t pay to recover your boiler.
Mold, fungus, stains, micro-cracks, and scratches that show up in your walls or roof are not covered. Also, make sure to clean your home and do the regular maintenance, as damage which would derive from improper maintenance or installations would not be covered - for instance, if you don’t clear your gutters or install a radiator by yourself which then causes a short-circuit.
As for your stuff, we also don’t cover if it is accidentally lost or broken—so if you drop your phone and the screen cracks, that’s not covered. We also don’t cover damage relating to normal wear and tear like scratches or stains, or damage that arises gradually like mold or rust. We also don’t cover burglary and vandalism, unless you have bought our additional coverage (check the section above 😉)
We also don’t cover temporary accommodations if your power, water or heat goes out in the dead of winter, or if your apartment gets infested with bed bugs (eek!).
We only cover stuff that’s normally kept in your home, balcony, terrace, or in a secured garage, garden shed, cellar, or a storage unit within 100 meters from your building. Stuff that is kept in common or unprotected areas are not covered. And regarding your outbuildings, make sure not to leave electronic devices and valuable stuff there, because if someone breaks into your garage and steals the gaming computer set you leave there, we will not cover it.
We will pay you for how much it would cost to rebuild or repair your home, after deducting depreciation. The depreciation rate will be determined by an expert and will depend on factors such as the age of your home and the last time you did renovation works to the damaged part.
If the amount we pay you after depreciation is not sufficient to cover the repairs cost, once all the works are completed you can present us with the final invoices and we’ll pay you up to an additional 25% to help cover these.
We expect your home to be rebuilt within 2 years of the event and using modern and commonly used materials.
If, after an incident, your home needs to be fixed up, Lemonade will provide you access to a Repair Network with a wide range of providers in France that can help repair your building parts including roof, joineries and painting, or embedded household appliances, like your kitchen and bathroom. This way, you won’t need to spend time searching for your own plumber or carpenter and can immediately start focusing on rehabilitating your place.
Note that if you choose to work with a different provider, we will not pay you more than what it would cost us to fix the damages through our network. If the final cost of your repairer is more expensive, you will have to pay the difference yourself.
Most people who own an apartment have the common areas of their building managed in co-ownership. If a leak starts in the water meter or someone vandalizes the facade of your building, it is not always clear if the damage should be insured by the homeowner or co-ownership insurance policy.
To give you more context, co-ownerships always must have mandatory liability insurance, but coverage for the building is optional. So, depending on the insurance and the internal regulations of your co-ownership, you can find yourself in different scenarios. Let’s look at some examples:
Remember that each case is a unique case. In the event of a claim, our claims experts will help assess the situation.
Sometimes these expertises may take several months. To ensure you don’t have to wait for too long, we will often pay you for the damage in advance, and then settle the accounts with the other insurance company on our side.
Don’t worry, we won’t require you to tell us that. In case something bad happens and damages your floor, ceiling, or walls, we will send a team of experts which can help assess how much it would cost to rebuild or repair the damaged part. Get more detail about how we pay for your building on the question above!
Here we will need your input. Let us know the amount of coverage you would need to cover everything you own, including your furniture, wall decoration, clothes, electronics, sports equipment or kitchen appliances. If you don’t know how much your stuff is worth, we’d recommend you to consider at least 5.000€ for each room in your home. You want to make sure you aren’t underinsured, so when in doubt, always try to round up. If other people are insured under your policy, make sure you get sufficient coverage for them.
You can adjust your coverage at any time even after buying your policy. Check your coverages through the Lemonade app and update your limits to ensure you’re always properly covered.
We cover your home as long as it doesn’t stay empty for more than 90 days in a row. We can cover your house or your apartment, but if you live in a mobile home, an historical monument, a castle, mansion, a troglodytic building, you’ll need to search for another solution, as Lemonade won’t be able to cover you.
Also, if you rent out your home to someone else to permanently live there, you should buy a landlords’ policy instead.
When you make a quote with Lemonade, our chatbot Maya will ask you all the information that we need to know about your home. As a rule of thumb, if you declare your garage, garden shed, storage unit, swimming pool, fireplace, solar panel, and veranda during the quote flow, then we’ve got you covered!
If you make some upgrades to your house, such as improving the insulation of your walls, replacing the roof tiles, installing a solar panel to make it more energy efficient, or setting up a new garden shed or veranda to store your gardening items, let our team know at [email protected]. We will help you make the needed changes to your contract.
Our landlords insurance includes three main components:
We will cover the damage to your property and your furnishings left for your tenant’s use at the rented property due to fire, smoke, explosion, power surge, windstorms over 100km/h, hail, snow pressure, collisions by vehicles or aircraft, and water damage caused by leaks, ruptures, overflows, or blockages of pipes or appliances, or infiltration through your roof, your facade or bathroom seals and tiles.
We also cover your property and furnishings against natural or technological catastrophes (e.g. flooding, earthquakes, industrial disasters) when declared by the government and published in the Journal Officiel, and acts of terrorism.
We can also help recover your lost rental income if due to one of these scenarios your tenant can no longer stay at your property. For example, if a windstorm lifts part of your roof, forcing your tenant to move to a hotel, we’ll pay you the amount of rent you won’t receive from them.
Your coverage also includes damage accidentally caused to others by your property accidentally. This includes damage caused by fire, explosion or water leaks that come from the home you own, or damage sustained by your tenant for instance due to a falling tile that you didn’t fix properly.
We also provide a legal defense if you cause unintentional injuries or damages to others, or seek recourse against others if you have sustained damage or injury from an event covered under this policy.
As always, make sure to review your policy to understand exactly what’s covered.
You have the option to include in your contract our add-ons that include Glass Breakage, Burglary and Vandalism, and Legal Protection. You can easily do it at the end of your quote, or anytime after buying your policy - just check your Lemonade app!
Some of our covered events, such as a fire or a big flood can make your home unlivable and force your tenant to temporarily move to an alternative accommodation. In these cases, to help you face the financial impact of losing one source of income, we compensate you by paying you on a monthly basis the amount that you should be receiving from your tenant.
We will cover your lost revenue for the period that your home is unlivable according to our experts’ reports, and up to a maximum of 1 year.
Note that if your tenant continues to pay you rent, for instance because they had another insurance which takes charge of it, then we won’t pay you any compensation.
You can change the coverage limit in your quote before buying your policy, or adjust it at any time later on your Lemonade app. If you don’t have the need for this coverage, you can also remove it from your policy.
We only cover damage to your furnishings, and to the parts of your property that you installed and that belonged to you. So if, for instance, your tenant installed a solar panel on the roof or a new kitchen fitting, these will not be covered. Neither will the furniture bought by your tenant.
Damage caused accidentally by your tenant to your stuff due to events other than the ones described in the section “What am I covered for as a landlord” will not be covered. For instance, if they scratch your floor while dragging some furniture, or if their dog eats your sofa cushions.
Also regarding damage caused by your tenant, we won’t cover intentional damage nor damage due to lack of maintenance from their part, such as water damage originated from a poorly sealed shower that they should have isolated properly.
We won’t cover damage to your roof, facade, gutters, skylights, or the balconies themselves when caused by burst pipes and leaking appliances. We also don’t cover the cost to repair defective electrical panels or the cost to repair the part of the home that caused the damage. So if, for instance, a broken boiler causes a leak in your place, we won’t pay to recover your boiler.
Mold, fungus, stains, micro-cracks, and scratches that show up in your walls or roof are not covered.
As for your stuff, we only cover the furnishings which are permanently at the property you are renting out, and not damage to stuff you have in the home you live in or that you carry around with you. And if that rented property gets burgled, we will only cover the replacement of your furnishings if you have bought our Burglary and Vandalism add-on!
Our landlord policy is designed to cover a flat or home you own and that you rent out to someone else as a long-term rental and with a rental contract. If you have your property out for short-term rentals, then we won’t be able to cover you (e.g. if your house is a holiday AirBnB in which your tenants don’t stay more than a few days).
We also won’t be able to cover you if the building you rent out is used for professional purposes. So if your tenant has his hairdressing salon or a small consulting firm headquarters in your flat, or stores commercial merchandise in your garage, we won’t be able to insure your home.
We also won’t be able to cover the property you rent if it is a mobile home, an historical monument, a castle, mansion, or a troglodytic building.
There is no need to inform us about any change in tenants, unless your property stays empty for more than 90 days in between rentals. If that is the case, you need to let us know, as your landlords policy can’t cover a home unoccupied for more than 90 days in a row.
We’ll then walk you through the process to ensure you have the correct contract. You’ll need to change to an occupying homeowners’ contract, as we will consider this a secondary home. This change will extend your coverage for 90 more days, giving you plenty of time to find a new tenant. When that happens, you should once again change to a landlord policy to ensure you have the correct coverage.
If for some reason you can’t find anyone to occupy your home for over 6 months, we won’t be able to continue to cover your place.
We will pay you for how much it would cost to rebuild or repair your building, after deducting depreciation. The depreciation rate will be determined by an expert and will depend on factors such as the age of your property and the last time you did renovation works to the damaged part.
If the amount we pay you after depreciation is not sufficient to cover the repairs cost, once all the works are completed you can present us with the final invoices and we’ll pay you up to an additional 25% to help cover these.
We expect your property to be rebuilt within 2 years of the event, using modern and commonly used materials.
If, after an incident, your property needs to be fixed up, Lemonade will provide you access to a Repair Network with a wide range of providers in France that can help repair your building parts, including roof, joineries, and painting, or embedded household appliances, like those in your kitchen and bathroom. This way, you won’t need to spend time searching for your own plumber or carpenter and can immediately start focusing on rehabilitating your place.
Note that if you choose to work with a different provider, we will not pay you more than what it would cost us to fix the damages through our network. If the final cost of your repairer is more expensive, you will have to pay the difference yourself.
Don’t worry, we won’t require you to tell us that. In case something bad happens and damages your floor, ceiling, or walls, we will send a team of experts which can help assess how much it would cost to rebuild or repair the damaged part. Get more detail about how we pay for your building in our answer to the question above.
As a Landlord, you’ll only be covered for your furnishings that you permanently keep in the property you rent out. These include your furniture, shelves, kitchen appliances, carpets, curtains, and TVs, among other things that you leave for your tenant to use.
We will need you to give us an estimation of how much this is worth when you buy your policy.
You can adjust your coverage at any time, even after buying your policy. Check your coverages through the Lemonade app and update your limits to ensure you’re always properly covered.
When you make a quote with Lemonade, our chatbot Maya will ask you all the information that we need to know about your property. As a rule of thumb, if you declare your garage, garden shed, storage unit, swimming pool, fireplace, solar panel, and veranda during the quote flow, then we’ve got you covered!
You’ll see a summary of your coverage and a preview of your customized policy before you pay. You’ll be able to edit your coverage and other details—such as the deductible, start dates, and more—all before you finalize your policy. After payment, we’ll instantly issue your final policy and send it to you by email. If for any reason you require a hard copy, please reach out, and we’ll send you one.
Premiums are calculated on an individual basis for each policyholder and are based on a number of different factors, including recent insurance claims, and information about you and your property. We may also factor in the sensitivity of your home to windstorms, severe weather damage, and fires.
Our Renters insurance is meant to cover you in your main residence, so we don’t expect you to own more than one Renters’ insurance at a time. Some rare cases may lead you to permanently living in two places, for instance, if you rent both a home in the city you work during the week, and also a house back in your parents town where you go back every weekend. In these cases you may also be able to get a policy with us for your weekend home.
But note that if you only go to that secondary place occasionally, then our coverage will not be suitable for you - remember, we only cover places where you permanently live. If you’re having trouble figuring if your situation would fit here, you can email our team at [email protected] and we’ll help you clarify it out.
If you are a Homeowner and you own more than one house, than different scenarios may apply:
We only provide insurance for homes you own personally. If you bought any home through your company, we won’t cover it. That's why, by default, you can buy up to two homeowners' insurance policies with us: one for your main home and one for your second home. If you have any doubt, let our team know at [email protected].
We can cover up to 2 properties that you own and permanently rent to someone else to live in. You should get one Landlord policy for each one of these.
We only provide insurance for properties that you own and rent out as a particular individual. So if you own a business and have bought and rented out your buildings under your company name, then we won’t be able to cover them. That is why we limit the number of policies you can have as a Landlord to two.
You can download your insurance certificate (“Attestation d’assurance”) directly from the Lemonade app (find out how in this article). This includes a work-from-home mention.
Alternatively, you can also email our team at [email protected] to request an insurance certificate for you and the other people covered by your insurance policy. Our team will be able to share your renters or homeowners’ insurance certificate (“Attestation d’assurance habitation”) or liability insurance certificate (“Attestation de responsabilité civile”).
In France, every renter is legally required to have home insurance, and that is why most landlords will ask you for proof of insurance (Insurance Certificate) before renting you their property. Our renters insurance can safeguard you from any damage you may accidentally cause to the rental place due to fire, water or explosions (e.g. if by accident your charging device explodes and opens a hole in the wall), as well as protect your stuff after a covered event.
If your landlord asks you for your Insurance Certificate every year (which they likely will). You can get it at any time in your Lemonade account.
If you live in a co-ownership, then you are legally required to have liability insurance. At Lemonade we provide you with homeowners and landlords' insurance that will not only protect your neighbors and other third parties if you are responsible for damage to the other units in the condominium due to a fire, explosion, or water leaks, but also covers your building and stuff from fire, explosion, hail, snow pressure, and water damage, among other incidents.
If you live in a standalone house, then insurance is not mandatory. But we highly recommend you to get home insurance anyway, to avoid a complicated financial situation if anything happened to your new house (Lemonade should provide you with all the best coverage you need 🌟)
You can cancel your policy at any time, and receive a refund for the unused portion of your premium. And if you want to return in the future? No problem. You can create a new policy on the Lemonade App or website. Know that our prices change from time to time, so your new policy may come with a different rate.
You definitely can, and we can help you cancel your old insurance if you want! Just note that while Lemonade allows you to cancel your policy at any time, most insurers in France don't allow cancellation within the first 12 months.
If your current insurance started more than a year ago, we'll just need to give your old insurer a 30-days notice. We'll guide you through the process to get all the information we need to be able to do it on the Lemonade App, after you get your policy. This way you avoid overlapping insurance policies (that’s a bit more protection than you’ll ever need).
Congrats on your move! Home insurance policies cover a specific property at a specific address. If you’re moving (or already moved) to a new place, it's quite easy to cancel your current policy and create a new one for your new address. Once you move into your new place, use the Lemonade app to cancel your policy. You'll receive a prorated refund shortly after, ensuring there's no overlap in charges when you create a new policy. Then, using the app, create a new policy for your new address. If you want to add your high-value items, or you’re having trouble with the app, feel free to contact our Customer Experience team.
What a life achievement. Congrats! Renters insurance policy is no longer the correct protection for you, and you should change to a Homeowners policy. On the Lemonade app, you can go through our cancellation flow yourself and there we will ask you the reason for wanting to cancel. If you let us know that you just bought a home, we will help you cancel your current policy, reimburse you for the unused money, and guide you to our Homeowners policy purchase flow. It’s fast, easy, and intuitive.
You will need a Landlord policy from the moment you start to rent out your place. In this case, if you previously had a Homeowner policy in that address, you should initiate the cancellation flow on our Lemonade app. There we will ask you the reason for wanting to cancel and if you let us know the that you’re going to become a landlord, and we’ll help you cancel your current policy, reimburse you for the unused money, and guide you to our Landlords policy purchase flow.
Don’t forget to also buy a new policy for the place where you’ll be living!
Yes, if you share your home with your partner, children, or other relatives, let us know when you sign up (you can identify who lives with you during our quote flow), and they’ll be covered. Make sure you add enough coverage to adequately protect everyone and their belongings.
This option is not available for landlords.
If you are a renter, you can add your roommates to your policy.
If you want to cover all roommates under one policy, let us know when you sign up and your policy will cover you and up to 3 roommates. Make sure you add enough coverage to adequately protect everyone's stuff.
Note that if your roommates change, you’ll have to cancel your current policy and create a new policy, with your new roommates (as each insurance policy covers specific people and their stuff).
If you prefer, each roommate can create their own policy, and will be able to customise their coverage to match their individual needs, but we can't cover households with more than 4 total roommates. We do recommend all roommates go with the same insurer to help streamline the process in case of a claim (we've heard that Lemonade is a good option 😉).
This option is not available for homeowners and landlords.
Yes. If your children are still registered as living in your home, we’ll also cover their stuff and personal liability while they’re temporarily living away from home. Just make sure you let us know that they live with you when you sign up. We can also cover their stuff against theft while they’re at university or travelling (up to 3 consecutive months abroad) — as long as you’ve added our Complete Theft Coverage.
This option is not available for landlords.
It’s simple! Before finalizing your policy, you’ll be able to add Extra Coverage for high-value items (anything valued at more than 5 000 € each). Adding items might likely increase your premium—you’ll see the total premium before buying the policy.
This option is not available for landlords.
All of your items worth less than 5 000 € are automatically covered by your renters and homeowners’ policy. However, if you’d like to have items worth more than 5 000 € fully covered in the event of a claim, you will need to add additional coverage for these valuables.
Always! You can add Extra Coverage for your valuable items yourself when getting a policy, or write to [email protected]. Alternatively, you can also add your valuable items through the app yourself at a later stage. Please note that Extra Coverage only kicks in after your items have been submitted and approved by our team.
You can add as many items as you'd like. Please note that items are added one at a time, and you will need to provide a short description, photo, and receipts or appraisals for each item.
With Extra Coverage, we’ll cover your valuable items up to 50 000 € in total, with different sub-limits for different categories of items. If you have any questions, feel free to email [email protected]
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 may need special coverage that is not currently offered by Lemonade. In any case, items which belong to your household without Extra Coverage can only be covered up to 5 000 €.
Prevention is better than cure! So, to avoid situations which could require you to go through annoying and lengthy repair works in your home, we ask you to follow some preventive measures.
You can drastically reduce the risk of fire by ensuring your chimney and stove are installed by a professional, and cleaned before every winter. Remember to also check your stove, ducts, and boiler, and to clear out your gutters and roof.
Don’t leave your chargers plugged when you’re not using them, to keep current from continuously flowing and damaging the electrical cables.
To prevent burglary, make sure you always leave your windows closed, and doors locked with one secure door lock. If you lose the key, make sure to replace the lock as soon as possible.
If you leave your home for more than five days, make sure to cut the water and gas supply. That way you prevent water leakages or gas escapes that could otherwise take a longer time to detect and lead to aggravated consequences. Also, always try to maintain the temperature of your home above 15 degrees, as this increases the risk of freezing and bursting of water pipes. This may be hard if some of your pipes are exposed in your cellar… which is why we ask you to ensure they are properly isolated.
If you’re a landlord, don’t forget to take these preventive measures during the times the flat is not rented out.
Pay attention to the news, to be prepared if a red warning storm hits your neighborhood. If it does, we expect you to bring inside any loose objects that you may have in your balcony, terrace or garden, otherwise we won’t cover damage to these.
Also, if you own your place, regular maintenance and necessary renovation works are key to minimize damages. We advise you to verify the status of your roof, windows and close any cracks on the wall to ensure that if a heavy rainfall hits your town and floods your street, the damage to your place is low.
After reviewing your coverage summary and policy documents, you’ll be able to pay using your credit or debit card. We will charge your first payment on the day you create your contract, regardless of the policy’s effective date. After that, you’ll be charged each month on the day your policy became active.
The first payment of your new policy will include a 6,50 € mandatory government tax (“Taxe Terrorisme”).
If your payment method 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! Note: if you miss your very first premium payment, your coverage will retroactively be considered void (no coverage).
You can only sign up for Lemonade via our mobile app and website.
While our prices may be lower than the more established players, that won’t always be the case. Insurers use different models and data sets to set prices, and on occasion our prices will be higher than someone else’s. Do keep in mind that Lemonade offers a unique perk: Leftover money that isn’t used to pay claims goes to charities that our customers choose, as part of our Giveback program.
Easy! Just open the Lemonade app and hit the Claim button. We’ll guide you through the rest of the process there—it’s easy and painless. If you’re confused or have an issue for some reason, feel free to email [email protected].
After you complete the claim report on the Lemonade app, you will be asked to enter your bank account wire information. We can only make payments to a bank account opened in your name and with a French IBAN, within a territory that is a member of the European Union, part of the European Economic Area, or part of the Single Euro Payment Area (SEPA). If your claim is approved, we’ll issue payment in euros, minus the amount of the deductible (if it applies), directly into your account.
We offer 100% replacement value for any destroyed, damaged, or stolen item. This means we will pay you the cost to repair or replace an item (whichever is lower) based on the price of a new item of the same make and model, without any deductions. If the exact item is no longer available, we’ll reimburse you the amount required to buy a replacement of equivalent type and quality. In other words, we don’t pay less just because your damaged item was used.
How does this work? Let’s say your camera has been stolen. You bought it three years ago for 500 €, and today, this exact model sells at a reduced price of 350 €. Since our job is to provide you with an exact replacement, the value you’ll be compensated for is 350 €.
Our goal is for the majority of claims to be paid almost instantly. However, there will be cases in which we’ll need to fully review the incident to approve the claim, and there will be claims that may take longer to settle. For example, 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.
Our goal is for the majority of claims to be paid almost instantly. However, there will be cases in which we’ll need to fully review the incident to approve the claim, and there will be claims that may take longer to settle. For example, 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.
There’s no better way for us to understand your incident than by having you describe it in your own words. We’ll use your video solely for the process of handling or reviewing your claim.
If you discover your belongings have been stolen, get in touch with your nearest police department and give the police as much information as you can. Don’t forget to ask for a crime reference number, as you’ll need this later when you file your Lemonade claim.
Remember, you need to have the Burglary and Vandalism coverage for personal items to be covered after a break-in to your home (burglary); and the Complete Theft Coverage to cover theft from your favorite coffee shop, or items which disappear from your home without a sign of break-in.
When filing a claim, it’s always very helpful if you have receipts for your stuff. But we know that not everyone saves their paperwork (and you might have received more than a few gifts).
If you don’t have a receipt for an item, our team will work with you to confirm that the stolen or damaged items actually belonged to you. In general, though, do try to keep your receipts for the more expensive stuff you buy—say, 250 € and up. That way, we can settle your claim faster.
Also, keep all the invoices for repairs done to your building after a claim. Sometimes our initial payment may not be enough to cover the full final repair cost, in which case you may be able to recover an additional 25% once all the construction works are finished.
Since February 2023, Lemonade and Cardif Groupe BNP Paribas have partnered to offer home insurance in France, as co-insurers. To learn more about the coverages offered, feel free to explore the other sections of our FAQ and our Policy 2.0.
As of February 8 2023, all new home insurance policies will be co-insured by Lemonade and Cardif Groupe BNP Paribas.
If you have taken out your insurance contract before February 8, 2023, it is a Lemonade contract. And if you’ve taken out your contract after February 8, 2023, it is a contract co-insured by Cardif Groupe BNP Paribas and Lemonade.
In this case, you’ll see that the co-insurers are both mentioned on your insurance policy, your insurance certificate, as well as all the other legal documents.
It doesn't! We are constantly looking for ways to improve and address our customers' needs, and this new offer means that our product is available to a wider audience but does not change the scope of coverage or the competitive rates offered by Lemonade.
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 upfront, we donate the leftover premiums to nonprofit partners chosen by the Lemonade community.
We calculate and pay the Giveback every year during the summer.
We work with a wide range of organizations that align with our mission of transparency and progressive stances. We’re always listening to customer suggestions, and reacting to urgent current events, so we’re constantly adding to our diverse list of local, national, and global nonprofits.
We assess the quality of nonprofit organizations based on their transparency to the public and their financial, fundraising, and administrative procedures. Find the full list of Giveback partners here.
Once you pick a cause in the app (after you get a policy), it will be set until the following June. Once the Giveback is paid, you will have an opportunity to pick a new cause.
We’ll be happy to consider your cause for our Giveback program. For more information, reach out to us: [email protected].
No. Giveback is part of our corporate policy, and our plan is to pay it every year. But sometimes, the group of Lemonade policyholders who choose 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.
Lemonade only pays a Giveback for active policies.