America’s most loved homeowners insurance

Zero hassle. Great prices. Trusted by your lender

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“An Insurance Company That Homeowners Actually Might Love (Seriously)”
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Ranked #1 in America, second year in a row!

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

goforbrent

Brent

goforbrent

@Lemonade_Inc was the simplest and easiest insurance I’ve ever purchased, “old” insurance companies need to step into the current century!!! 👏 👏 👏

Valeriad90

Valeria Delgado

Valeriad90

Why doesn’t everyone use @Lemonade_Inc insurance? I just switched and slashed my costs by $110 #Winning

stephen_huber

Stephen Huber

stephen_huber

Wow. Just filed a claim with @Lemonade_Inc and got paid in literally 7 seconds. If you rent or own a home, you NEED to get this insurance. #insurance #lemonade #NotAnAd

MariaSalamankaM

Maria Salamanka

MariaSalamankaM

Always disappointed in how much insurance will fight against customer in a claim. Just had my first good experience with filing. Unbelievably quick and solid customer experience with @Lemonade_Inc.

timesnewrohan

Rohan Gandhi

timesnewrohan

@Lemonade_Inc I just bought home insurance from you and I’m pretty sure it was easier than ordering pizza. Awesome job on the experience.

AWaking_Dream

AWaking Dream

AWaking_Dream

Once every 2-3 years, I stumble across a truly outstanding app / business which nails everything. UX, pricing, customer service - @Lemonade_Inc has it all and I love it: www.lemonade.com

rashiq

Rashiq in SF

rashiq

@Lemonade_Inc wow this was hands down the best insurance experience ever. holy shit I love your app.

jjackyliang

jacky

jjackyliang

@Lemonade_Inc Truly lovely onboarding + customer support for a normally super frustrating service.

itsandrewhorn

Andrew Horn

itsandrewhorn

WOW - what an amazing company. Check out @Lemonade_Inc if you need homeowner or rental insurance. Have been loving the process so far.

goforbrent

Brent

goforbrent

@Lemonade_Inc was the simplest and easiest insurance I’ve ever purchased, “old” insurance companies need to step into the current century!!! 👏 👏 👏

Valeriad90

Valeria Delgado

Valeriad90

Why doesn’t everyone use @Lemonade_Inc insurance? I just switched and slashed my costs by $110 #Winning

stephen_huber

Stephen Huber

stephen_huber

Wow. Just filed a claim with @Lemonade_Inc and got paid in literally 7 seconds. If you rent or own a home, you NEED to get this insurance. #insurance #lemonade #NotAnAd

MariaSalamankaM

Maria Salamanka

MariaSalamankaM

Always disappointed in how much insurance will fight against customer in a claim. Just had my first good experience with filing. Unbelievably quick and solid customer experience with @Lemonade_Inc.

timesnewrohan

Rohan Gandhi

timesnewrohan

@Lemonade_Inc I just bought home insurance from you and I’m pretty sure it was easier than ordering pizza. Awesome job on the experience.

AWaking_Dream

AWaking Dream

AWaking_Dream

Once every 2-3 years, I stumble across a truly outstanding app / business which nails everything. UX, pricing, customer service - @Lemonade_Inc has it all and I love it: www.lemonade.com

rashiq

Rashiq in SF

rashiq

@Lemonade_Inc wow this was hands down the best insurance experience ever. holy shit I love your app.

jjackyliang

jacky

jjackyliang

@Lemonade_Inc Truly lovely onboarding + customer support for a normally super frustrating service.

itsandrewhorn

Andrew Horn

itsandrewhorn

WOW - what an amazing company. Check out @Lemonade_Inc if you need homeowner or rental insurance. Have been loving the process so far.

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?

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.

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.

Didn't find what you were looking for?

Prices that aren’t through the roof

Starting from just $25/mo.

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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.