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 and homeowners 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 and homeowners 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.
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].
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, explosion, power surge, theft, vandalism, windstorms, 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 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 in your contract our add-ons that include Glass Breakage, 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!
With your Renters policy, 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.
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 Renters 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.
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 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 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 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 (coming soon…!)
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 to store your gardening items, let our team know at [email protected]. We will help you make the needed changes to your contract.
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.