Extreme weather & your insurance

From hurricanes to wildfires, extreme weather is intensifying. Here’s how it all relates to your homeowners insurance policy.

Does Homeowners Insurance Cover Hail Damage?

What the hail?

Tornado Damage and Your Insurance, Explained

Understand your coverage before, during, and after the storm.

Extreme Weather, Power Outages, and Your Lemonade Policy

Here’s what you are and aren’t covered for when extreme weather strikes.

Does Homeowners Insurance Cover Water Damage?

Your complete guide to water damage and homeowners insurance coverage.

Fire Damage: Here’s What You Need to Know

If a fire occurs in your home, here's what to do—and how to file a claim.

Here's How to Stop Pipes from Freezing

Frozen pipes can lead to major property damage. Here's how to avoid the issue—and what to know about frozen pipes and your homeowners insurance policy.

Your Hurricane Questions, Answered

How you can prepare for storm season.

The Truth About Earthquake Insurance

Is earthquake insurance really worth it?

Does Homeowners Insurance Cover Flooding?

Keep your head above water, no matter what happens.

Protect Your Home from Severe Winter Storms

Baby, it's cold outside.

Does Homeowners Insurance Cover Wildfires?

This wildfire season, get covered—and stay safe.

Fire Insurance

Fire insurance provides extra protection, on top of what your insurance policy would normally cover, in the event of losses or damages to your property.

Flood Insurance

Flood insurance provides you with coverage when your stuff and/or property is ruined as a result of... you guessed it, flooding.

Windstorm Coverage

Windstorms in insurance are considered a named peril, or something bad that could happen to your property that your renters or home insurance will cover.

Your Winter Cycling Guide

Cycling in winter comes with a whole set of challenges. Our tips will help you handle them a little better.

Natural Disasters & Your Homeowners Insurance, Explained

From wildfires to floods, earthquakes, and tornados, we'll explain when your policy will help (and when it won't.)

How to Keep Your Property Safe from Tree Damage

Proper tree maintenance will keep your property safe, and your yard beautiful.

Please Note: These definitions don’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade. They are intended for educational purposes only - they’re not meant to be used in lieu of professional legal or financial advice. We’ll do our best to keep them updated, but they may not always reflect current industry developments. Feel free to use the terms with attribution (friends don’t let friends plagiarize!)

Property and casualty insurance provided by Lemonade Insurance Company, 5 Crosby St., 3rd floor, New York, NY 10013. Life Insurance provided by North American Company for Life and Health Insurance®, Administrative Office, One Sammons Plaza, Sioux Falls, SD 57193.

Lemonade Insurance Agency, LLC (LIA) is acting as the agent of Lemonade Insurance Company and Lemonade Life Insurance Agency, LLC (LLIA) is acting as the agent of North American Company for Life and Health Insurance®. Both LIA and LLIA receive compensation based on the premiums for the insurance policies each sells. Further information is available upon request.

LLIA is a sub-producer of Bestow Agency, LLC. Life insurance quotes are provided by Bestow Agency, LLC dba Bestow Insurance Services in CA, who is the licensed agent. Term Life insurance policies are issued on North American Company for Life and Health Insurance® policy form LS181 and LS182, or state version including all applicable endorsements and riders. Products or issue ages may not be available in all jurisdictions. Limitations or restrictions may apply. Not available in New York. Our application asks about your lifestyle and health; your answers allow us to save you time and avoid offline medical exams.