General

About Us

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 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.

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

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.

What’s Policy 2.0?

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.

How are you using my premium?

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.

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. 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.

How do I get Lemonade insurance?

Lemonade policies are primarily sold online through our website or our mobile apps. Customers must 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 offer renters 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.

Is Lemonade reinsured?

Yes! Some of the biggest reinsurers in the world are reinsuring Lemonade, like Swiss Re, Munich Re, Hannover Re, and AXA.

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

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.

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 or by emailing [email protected].

In case of emergency only and if you wish to contact our Assistance services, call our Assistance partners at: +33 801 840506.

How do you keep my information confidential?

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.

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 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.

Renters Insurance

Policy

How do I know what my policy covers?

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.

How do you calculate my premium?

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.

Coverage

How much coverage do I need?

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”).

Can I increase or reduce my coverage?

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.

What if I want to cancel my policy?

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. We’ll create a new policy for you. Know that our prices change from time to time, so your new policy may come with a different rate.

Switching

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

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. Don't worry, we can still help you switch to Lemonade, but your new Lemonade policy should start only once your current policy expires.

If your current insurance started more than a year ago, we'll just need to give your old insurer a 30-days notice. This way you avoid overlapping insurance policies (that’s a bit more protection than you’ll ever need).

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

Congrats on your move! Renters 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.

Who else is covered?

Is my roommate covered?

It's really up to you! With Lemonade, you have the option to either have all your roommates covered under one policy, or you can have each roommate buy their own policy.

If you want to cover all roommates under one policy, let us know when you sign up. Your policy will cover you and up to 3 roommates, but we can’t cover households with more than 4 total 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. 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 😉).

Are my partner, children, or other relatives covered?

If you share your home with your partner, children, or other relatives, let us know that you live with them when you sign up, and they’ll be covered. Make sure you add enough coverage to adequately protect everyone and their belongings.

Are my children covered while studying at university or abroad?

Yes. If your children are still registered as living in your home, we’ll also cover their stuff 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.

Am I covered if something I own gets stolen?

Generally yes, but there are some exceptions. If your laptop was stolen from your home due to a break-in, you’re covered. However, if your laptop was stolen from your favorite café, or it disappeared from your home without any signs of a burglary, you’ll only be covered if you have our Complete Theft Coverage as part of your policy. If you didn’t add this 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 €, it has to have Extra Coverage to be covered in full.

What type of theft is covered?

Theft involves unauthorised or forced entry (aka, there was a clear break-in), or the use of force or the threat of violence, in which items were stolen or damaged. Your Lemonade policy automatically includes coverage in this instance.

If your stuff was stolen, but there was no clear sign of forced entry or violence, this is not automatically covered. But you can add coverage for this by selecting the Complete Theft Coverage add-on when you get a policy (or at any time later, by writing to [email protected]).

So let’s say you have a house party and an acquaintance pockets your favourite pair of earrings. There’s no forced entry here, and no use of force. This theft would only be covered if your policy includes the Complete Theft Coverage.

What am I covered for?

What kind of unfortunate things am I covered for?

We cover your stuff against fire, smoke, explosion, power surge, theft, vandalism, windstorms, hail, snow pressure, collisions by vehicles or aircraft to your home, and water damage caused by leaks, ruptures, overflows, or 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 Official Journal, and acts of terrorism.

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.

You’ll also have the option to include add-ons, such as our Complete Theft Coverage or Glass Breakage coverage.

As always, make sure to review your policy to understand exactly what’s covered.

What am I not covered for?

What kinds of things are not covered under my policy?

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.

Is stuff kept in my self-storage locker covered?

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.

Is my laptop 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 policy, such as burglary, fire, vandalism, and so on. If you’d like your electronics to be covered against theft outside of your home, you’ll want to add the Complete theft coverage.

Keep in mind that your policy doesn’t automatically cover your laptop if it gets lost or breaks if you drop it. Also, note that any item worth more than 5 000 € needs to be added to the policy as a high-value item to be insured for its full value.

How do I add high-value items?

How do I add coverage for my high-value items?

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.

Why should I get Extra Coverage for my stuff?

All of your items worth less than 5 000 € are automatically covered by your Lemonade 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.

When can I add Extra Coverage for valuable items?

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.

How many items can I submit for Extra Coverage?

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. If you have any questions, feel free to email [email protected]

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 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 €.

If my pet bites someone, am I covered?

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.

Insurance certificates

How can I get my insurance certificate?

You can download your insurance certificate (“Attestation d’assurance”) directly from the Lemonade app (find out how in this article).

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 insurance certificate (“Attestation d’assurance habitation”), liability insurance certificate (“Attestation de responsabilité civile”), and work-from-home certificate (“Attestation de télétravail”).

Payments

How do I pay for Lemonade?

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 after we’ve issued your policy, 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 5,90 € mandatory government tax (“Taxe Terrorisme”).

What if I miss a premium payment?

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).

Can I sign up by phone?

You can only sign up for Lemonade via our mobile app and website.

I got a quote from Lemonade that’s higher than my old insurer. Why?

While our prices may be cheaper 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.

Claims

How do I file a claim?

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].

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 wire information. We can only make payments to a bank account opened in your name 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.

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 €.

How do you calculate the value of my contents following a claim?

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 €.

How fast will a claim be paid?

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 content damage 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.

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 describe it in your own words. We’ll use your video solely for the process of handling or reviewing your claim.

What should I do in case of an emergency ?

We define emergencies as events that require immediate assistance as a result of fire, sudden water damage, getting locked outside your home and structural damage that leaves your home unprotected.

If you need help right away, please call our assistance partners (+33 801 840 506) immediately. They will dispatch the right service from our trusted network of specialists. If you call this number, the incurred costs will be covered by your home insurance (see details in your policy). Our team of emergency response and repair services is available 24/7, and ready to help. Lemonade won’t be able to cover the costs if you use a different service provider.

What should I do if something gets stolen?

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, if your personal items were stolen from your home due to a break-in (burglary), you’re covered. However, if your personal items were stolen from your favorite coffee shop, or have disappeared from your home without a sign of break-in, you’ll only be covered if you have our Complete Theft Coverage.

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

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.

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 upfront, we donate the leftover premiums to nonprofit partners chosen by the Lemonade community.

Donation Period

When do you pay the Giveback?

We calculate and pay the Giveback every year during the summer.

Causes

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 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.

Can I change my Giveback cause?

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.

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: [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, 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.

What happens to my Giveback if I cancel my policy?

Lemonade only pays a Giveback with respect to active policies.