Condo Insurance
That People Actually Like

100% digital. Zero hassle. Starting at $25/mo.

Check our prices
Works with all major lenders

The (Almost) 5 Star Condo Insurance

Lemonade has earned 4.9 stars in the App store and on Google Play, and is also top-rated by Supermoney, Clearsurance, and others

Andrew
@ATL_Brit

Had an awesome experience within the last 12 months with @Lemonade_Inc Had an awesome adjuster for a home insurance claim, renewed at a reasonable price AND just purchased a new Pet policy. #awesome. Just love these guys on how simple they make life. #greatjob #newnormal #nerd

Michael Wieder
@mwieder

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

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 - nice one, @shai_wininger!

Brent
@goforbrent

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

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

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
@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

Andrew
@ATL_Brit

Had an awesome experience within the last 12 months with @Lemonade_Inc Had an awesome adjuster for a home insurance claim, renewed at a reasonable price AND just purchased a new Pet policy. #awesome. Just love these guys on how simple they make life. #greatjob #newnormal #nerd

Michael Wieder
@mwieder

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

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 - nice one, @shai_wininger!

Andrew
@ATL_Brit

Had an awesome experience within the last 12 months with @Lemonade_Inc Had an awesome adjuster for a home insurance claim, renewed at a reasonable price AND just purchased a new Pet policy. #awesome. Just love these guys on how simple they make life. #greatjob #newnormal #nerd

Michael Wieder
@mwieder

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

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 - nice one, @shai_wininger!

Brent
@goforbrent

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

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

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
@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

Andrew
@ATL_Brit

Had an awesome experience within the last 12 months with @Lemonade_Inc Had an awesome adjuster for a home insurance claim, renewed at a reasonable price AND just purchased a new Pet policy. #awesome. Just love these guys on how simple they make life. #greatjob #newnormal #nerd

Michael Wieder
@mwieder

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

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 - nice one, @shai_wininger!

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

Why Lemonade for Condo Insurance?

condo insurance

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 Condo Insurance Cover?

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

Dwelling coverage

Dwelling

This is for your condo unit itself, from the walls-in. Our team will evaluate your property and help you select the coverage amount that reflects how much it would cost to rebuild your unit if it was damaged or destroyed.

Personal property coverage

Personal Property

How much your stuff is worth. This includes furniture, clothing ,gadgets, etc.

Personal liability coverage

Personal Liability

If someone gets hurt at your place and decides to sue you, condo insurance helps pick up the legal and medical costs.

Loss of use coverage

Loss of Use

If your condo unit is unlivable as the result of a covered event, we’ll cover additional living expenses (hotel, takeout, parking, and laundry) until you can safely return home.

Medical payments coverage

Medical Payments to Others

If someone gets hurt at your place, we’ll help pay the medical bills.

Everything You Wanted to Know About Lemonade Condo Insurance

Why Lemonade for condo insurance?

Lemonade makes condo insurance fast and easy. Get your quote in minutes without the paperwork—our application process is 100% digital. Lemonade even handles mortgage payments and we work with all major banks and lenders to make the whole insurance process as seamless as possible. Our claims process is automated and instant, and your coverage can be updated via the Lemonade app. Also, Lemonade just does insurance differently. We take a flat fee from premiums, pay reinsurance, and use the rest to pay claims. It’s as simple as that. This way, Lemonade has no incentive to deny claims. If you have leftover money, it’s donated to a ‘Giveback’ charity of your choice.

What is condo insurance?

Condo insurance, also known as H06 coverage in insurance-speak, is a type of homeowner insurance policy that protects you, your stuff, your unit, and basically everything that isn’t covered by your Homeowners Association (HOA).

How can I compare home condo policies?

In order to compare your condo insurance coverage options, you’ll need multiple quotes from multiple insurance companies. Once you have multiple quotes, compare the amount of coverage in relation to the premium costs, in addition to the overall customer experience. Comparing these factors will give you a sense of how much value you’re getting from the policy, and give you a sense of which one to choose! Getting a quote with Lemonade is easy, applying and receiving a quote takes less than 2 minutes, online.

Is condo insurance required?

Your state might not require condo insurance by law, but if you took out a mortgage to buy your home, the bank, mortgage lender and Homeowners Association will almost always require condo insurance as part of the conditions of the loan. This protects your investment and the lender’s. If something were to happen to your home, the lender would also be at risk of losing money on the property (if the home is destroyed, for example), so condo insurance gives both you and the lender some peace of mind.

How much condo insurance do I need?

The amount of condo insurance you need depends on your individual property and your lifestyle. Figure out how much coverage you need by taking a close look at your policy while evaluating the cost to replace your home, the value of your personal property, and what is and isn’t covered by your HOA. It also might make sense to return to your policy every so often to evaluate if it still reflects your coverage needs, and make changes accordingly.

How much does condo insurance cost?

The cost of your condo insurance depends on several factors, including: the state you live in, how much it would cost to rebuild, the materials used to build your condo, your condo’s risk of being affected by natural disasters, and the value of your personal property. Luckily, with Lemonade, there are many ways to save on your condo insurance premium. We even included an automated feature, “Get Discounts”, that helps you take advantage of discounts for installing a wide range of safety features.