Homeowners Insurance Made Easy

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Works with all major lenders

The (Almost) 5 Star Insurance Company

Based on 10,000+ reviews on the App Store, Google Play, Highya, Supermoney, Clearsurance, and more


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

Valeria Delgado

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

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

Maria Salamanka

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

Rohan Gandhi

@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

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 in SF

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


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

Andrew Horn

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

“An Insurance Company That Homeowners Actually Might Love (Seriously)”

Why Lemonade for Homeowners?

Homeowners insurance mortgage requirements

Your lender will thank you

If you have a mortgage, we’ll handle escrow payments automatically

Tech insurance

World record claim payments

Our bots work 24/7, so it couldn’t be easier, or faster

Insurance support

If you prefer a human, we’re always available

If you‘d rather speak to someone, our world class service team is here to help!

Every 60 seconds someone gets a Lemonade policy

Get a quote

What Does Homeowners Insurance Cover?

You'll be able to customize your coverages to fit your lifestyle

Dwelling coverage


The physical structure of your home. Our number-crunching experts will help you choose an amount they think it would cost to reconstruct your home if it was damaged or destroyed.

Other structure coverage

Other Structures

This part of your homeowners policy works to protect things like your driveway, fence, shed, treehouse etc. – basically anything not created by mother nature living in your yard, but not attached to your house.

Personal property coverage

Personal Property

The total value of the stuff you own, such as electronics, clothing, furniture, etc.

Personal liability coverage

Personal Liability

If someone gets hurt on your property and decides to take legal action, we'll help cover legal expenses and medical costs.

Loss of use coverage

Loss of Use

We hope this never happens, but if your place is unlivable, we'll put you up in a nice hotel or similar rental home. We'll also include living expenses to get you back on your feet.

Medical payments coverage

Medical Payments to Others

We'll help cover medical expenses if a guest or neighbor is injured on your property.

Everything You Wanted To Know About Lemonade’s Homeowners Insurance

Why Lemonade for homeowners insurance?

Lemonade makes homeowners insurance seamless and instant - plus, lenders love us! You can get a quote online in minutes, with no paperwork or hassle. We’ll take care of the mortgage payments directly with your lender (we work with all major banks and lenders!) so it couldn’t be easier or faster. Lemonade automated everything, so getting a policy, filing and getting claims paid instantly, and updating coverages is an easy few taps on your phone. Last, Lemonade is unconflicted - we built insurance differently. We take a fixed fee out of your monthly payments, pay reinsurance (and some unavoidable expenses), and use the rest for paying out claims. In essence, we treat premiums as if they were still your money and return unclaimed remainders in our annual ‘Giveback’ to a charity you choose. Think of it as you getting insurance that’s seamless, instant, and easy, all while supporting a cause you care about.

What are the different types of homeowners insurance?

Lemonade offers two types of homeowners insurance policies: one for single family homes (called HO3 in insurance-speak), and one for condos (HO6). There are minor differences between the two, and you’ll choose the right policy depending on the type of home you’re looking to insure. In a nutshell, whereas homeowners own and are responsible for everything on their property (home, garage, fence, etc.), condo owners with HO6 policies are only responsible for the outermost walls of their unit, inward.

How can I compare home insurance policies?

To compare home insurance policies, you’ll need to compare your quote, where you can see approximately how much you’ll be paying in relation to what type of coverage and service you’ll receive in return. At Lemonade, you can get a homeowners quote in less than 2 minutes online, with zero paperwork or phone calls. You’ll be able to adjust coverage amounts, limits of liability, endorsements, and other cornerstones of your policy. When comparing homeowners insurance policies, consider customer experience and ease of use. If you don’t like waiting on the phone or dealing with agents, Lemonade offers a seamless experience via our app where you can file claims and update coverages by tapping on your phone.

Is homeowners insurance required?

While state regulation may not require homeowners insurance by law, if you take out a mortgage to buy a home, your lender will almost always require coverage. There are more than a few benefits: Beyond protecting one of the biggest investments most people make in a lifetime, consider scenarios where you owe money on your mortgage and your home is destroyed, or someone is seriously injured on your property. Or, if you’re smacked with a personal injury lawsuit and ordered to pay a large sum of money to a third party. In all these instances, your insurer will most likely be able to help you out. Homeowners insurance is financial defense against bad things that may happen in life, giving you much-needed peace of mind.

How much home insurance do I need?

Your homeowners insurance policy should reflect your home and lifestyle needs, and should be reviewed from time to time to ensure coverage amounts are always updated. To find out how much home insurance you need, you’ll have to take a look at the different parts of your policy and ensure you’re sufficiently protected, under coverages such as dwelling (cost to replace or rebuild your home), personal property, liability coverage, and loss of use.

How much does home insurance cost?

The cost of homeowners insurance will vary by state and depends on a lot of factors including house age, cost to rebuild, fire protection rating of your city, and building materials, among other things. There are a bunch of things that can lower your homeowners insurance premium: burglar alarm systems, smoke detectors, fire extinguishers, sprinkler systems, deadbolt locks, wind protection, water or temperature alerts, central station reporting alarm, and more. Here at Lemonade, we even have an automated feature, “Get Discounts” that takes into account the above, helping you to get a discount when building your quote.