America’s most loved homeowners insurance

Zero hassle. Great prices. Trusted by your lender.
Check our prices
“An Insurance Company That Homeowners Actually Might Love (Seriously)”

Ranked #1 in America, second year in a row!

Lemonade was voted the most loved insurance in America by Supermoney, Forbes, Clearsurance, and others.

@gsiener

gsiener

@gsiener

Shopping for Homeowners Insurance and the process is pretty awful. The experience that @Lemonade_Inc offers is amazing in comparison -- a great example of what starting with the user in mind can do.

App Store

SunnyTheSailorMan

App Store

Thank you guys for making the insurance buying process hassle free & offering better prices than any other insurance companies out there. I had State Farm & Allstate in the past. Glad I don’t have to deal with them anymore.

@Takasan99

Takasan

@Takasan99

Wow, @Lemonade_Inc is awesome! After answering a few short questions from Maya, I was able to get an instant quote on my homeowners insurance! Even my lender was amazed at how fast they received my information!

Google Play

Karen Condren

Google Play

Fantastic, painless experience!! Best way to get your home insured. Love this!! Who knew getting insurance could be headache free..!!?? Highly recommend!!

mschmidt10k

Michael Schmidt

mschmidt10k

Switched over to @Lemonade_Inc for our homeowners insurance - saved $1,400/year with the exact same coverage as our old Liberty Mutual plan (and a lower deductible to boot). Feel a bit stupid for not doing this earlier!

App Store

JO87__

App Store

Their AI technology is 5 stars. I was able to get home insurance at a better rate with the same coverage as my previous insurance. They made it easy to integrate their insurance with my current mortgage lender. All this in less than 20 mins

@mwieder

Michael Wieder

@mwieder

@Lemonade_Inc should win every award out there. Just got my homeowners insurance in < 5min. Easiest part of buying a new home by far.

Google Play

Saurabh Mittal

Google Play

The whole Lemonade team handled my house claim with a great sense of urgency, keeping me informed at every step from filing a claim, assessing the damages and the final payment. I strongly recommend Lemonade for Homeowners Insurance.

@mattangriffel

Mattan Griffel

@mattangriffel

Serious props to @Lemonade_Inc. Our advocate was so nice and easy to work with, and we got our claim resolved in only a few days. So much stress saved.

App Store

Dda0307

App Store

40% cheaper than Farmers. It took me less than 3 mins to get a quote and sign up. I hated emailing back and forth or calling my Farmers insurance for every little thing. With Lemonade, everything is on this one app

@gsiener

gsiener

@gsiener

Shopping for Homeowners Insurance and the process is pretty awful. The experience that @Lemonade_Inc offers is amazing in comparison -- a great example of what starting with the user in mind can do.

App Store

SunnyTheSailorMan

App Store

Thank you guys for making the insurance buying process hassle free & offering better prices than any other insurance companies out there. I had State Farm & Allstate in the past. Glad I don’t have to deal with them anymore.

@Takasan99

Takasan

@Takasan99

Wow, @Lemonade_Inc is awesome! After answering a few short questions from Maya, I was able to get an instant quote on my homeowners insurance! Even my lender was amazed at how fast they received my information!

Google Play

Karen Condren

Google Play

Fantastic, painless experience!! Best way to get your home insured. Love this!! Who knew getting insurance could be headache free..!!?? Highly recommend!!

mschmidt10k

Michael Schmidt

mschmidt10k

Switched over to @Lemonade_Inc for our homeowners insurance - saved $1,400/year with the exact same coverage as our old Liberty Mutual plan (and a lower deductible to boot). Feel a bit stupid for not doing this earlier!

App Store

JO87__

App Store

Their AI technology is 5 stars. I was able to get home insurance at a better rate with the same coverage as my previous insurance. They made it easy to integrate their insurance with my current mortgage lender. All this in less than 20 mins

@mwieder

Michael Wieder

@mwieder

@Lemonade_Inc should win every award out there. Just got my homeowners insurance in < 5min. Easiest part of buying a new home by far.

Google Play

Saurabh Mittal

Google Play

The whole Lemonade team handled my house claim with a great sense of urgency, keeping me informed at every step from filing a claim, assessing the damages and the final payment. I strongly recommend Lemonade for Homeowners Insurance.

@mattangriffel

Mattan Griffel

@mattangriffel

Serious props to @Lemonade_Inc. Our advocate was so nice and easy to work with, and we got our claim resolved in only a few days. So much stress saved.

App Store

Dda0307

App Store

40% cheaper than Farmers. It took me less than 3 mins to get a quote and sign up. I hated emailing back and forth or calling my Farmers insurance for every little thing. With Lemonade, everything is on this one app

Accepted by all major lenders

Easily pay through your mortgage lender (escrow), or directly by credit card.
And many more...

One less headache when closing on a new home

A team of homeowners experts (and Maya, our AI bot) will get you over the finish line faster than you can say “Honey, we’re home!”

The easiest way to switch!

We’ll cancel your old insurance and manage the escrow payments.

Home insurance people actually like

96% of our customers have had a positive claims experience with Lemonade.  Here are some of their stories.
julie
A water claim that wasn’t left high and dry
natalie and zach
Switched from renting to owning overnight
adam
Replaced missing items without missing a beat

Wall to wall coverage, and beyond...

If your home is damaged

We’ll cover the cost to reconstruct your house.

If a tree falls on your shed

We’ll help cover the cost of repairing structures on your property like sheds and garages.

If your home is unlivable

We’ll cover expenses until you get back on your feet.

If your stuff gets stolen

We’ll help cover the costs to replace it - yes, even if it happens away from home.

If you’re sued for liability

You’ll need a lawyer to defend you, so we’ll help cover those costs.

If a visitor gets injured

You could get stuck covering the costs of their medical bills - we’ll help cover those costs.

Good to know...

Homeowners insurance can be confusing, so we worked hard to make it simple. If you still have questions, you can check out homeowners insurance explained.

What does a Lemonade Homeowners policy cover?

Your policy covers your home and property for damage caused by things like wildfires, extreme weather, crime, and vandalism. It also protects you against legal claims for damage or injury you accidentally cause others. Learn more about what's covered here.

How can I switch to Lemonade?

Once you let us know you’re switching from another carrier, we'll notify your lender and handle updating your escrow payments (if needed). Then, we’ll communicate your switching request to your previous carrier.

Can I trust you guys?

Of course. Unlike most of the new insurance startups out there, Lemonade is an insurance carrier, reinsured by some of the most trusted names in the industry. We’re a public company, traded on the NYSE, and rated A-Exceptional for financial stability.

How much does homeowners insurance cost?

Homeowners insurance at Lemonade starts at $25/month, but varies by state and depends on factors including your house’s age, the cost to rebuild, and building materials, as well as the coverage and add-ons you choose.You can lower your homeowners insurance cost by following these steps.

How do I file a claim?

Just open the Lemonade app and hit the ‘Claim’ button! We’ll guide you through the process from there. After your report is complete, we’ll ask for your bank account information. Once your claim is approved, we’ll deposit your payment, minus your deductible, directly into your account.

What bundle options does Lemonade offer?

In addition to homeowners insurance, Lemonade offers renters, car, pet, and term life policies. You can unlock an automatic discount with any combination of policies, like a homeowners and car bundle, so it’s both a great way to consolidate your insurance needs and an opportunity to save.

What if I want to cancel my policy or make changes to it?

You can cancel your policy at any time via the Lemonade app or website, and you’ll receive a refund for the remaining period you’ve already paid for. If you want to change your coverage amounts or add additional coverage, simply open the Lemonade app or access your account here.

What kind of payments do you accept?

We can take care of everything through your lender or bank (escrow), or you can pay directly using your credit card.

Does Lemonade offer homeowners insurance near me

Lemonade Homeowners insurance is available in 23 states—to find out if it’s available near you, check out where we sell our homeowners insurance and our other products.

Prices that aren’t through the roof

Starting from just $25/mo.
Check our prices

Giving society a push for the better

Lemonade is a public benefit corporation and a certified B-Corp. We take a flat fee up front, and donate unclaimed money to causes you choose.

More products from Lemonade

Amazing savings when you bundle
Renters
Coverage for your stuff, in
and out of your home
From $5/mo
Car
Protect your car, passengers,
and the planet
As low as $30/MO
Pet
Health insurance for furry family members
From $10/mo
Term Life
Protecting the people
you love
From $8/mo