Lemonade, America’s top-rated insurance company, protects your family and your belongings—at home, and everywhere else. Sign up in seconds, get paid in minutes.

Easy to use, super fast claims, and incredible prices.

Insurance without the stuff <br/> you hate about insurance

Lemonade is ranked 4.9 stars in the App Store, and
is also top-rated by Supermoney, Cleasurance, and others.

The (Almost) 5 Star Insurance Company

Incredible Prices, Monthly Subscription.
Bundle Discounts.

Maya, our charming artificial intelligence bot, will craft the perfect insurance for you.
It couldn't be easier, or faster.

Instant Everything

People left these insurance companies to join Lemonade:

Already insured? We’ll help you switch!

Insurance without the stuff you hate about insurance | Lemonade

Drive less, pay less. Easy claims. Super fast everything.

Compare car insurance perks<br/> that actually matter

We use a smart device to make your insurance better and more affordable.

A new kind of car insurance

Since your monthly mileage determines your premium, <br/> if you’re not driving, you won’t pay more than your low base price

Driving less than you used to?

Whether it’s a fender bender or total loss, our team and app are ready to help!

What’s covered

We still need cars, but until there’s a better way to get around,
we should do whatever’s possible for the environment.

A forest with your name on it
(yeah, we’ll plant trees as you drive)

Car + Renters

CAR + HOME

Car + Pet Health

Car + Term Life

We’ll automatically apply your bundle discount to any combination of our products

Save even more with our Car + Home bundle

Our claims process is fast, seamless, and hassle-free. We’ll have your back whether you file a claim after
a crash, if your car’s been vandalized, or if you need a tow in the middle of nowhere.

21st-century, award-winning claims service

4.9 stars in the App store, and top-rated by Supermoney, Clearsurance,
and others

America’s top-rated insurance,
now for your car

If you’re buying a new car when you open a policy, we can provide same-day coverage—our team will be happy to help! Once you have a Lemonade Car policy, it’s easy to add a new car in the app mid-term.

I’m buying a new car, how do I insure it?

Not yet. Our current coverage only works for drivers who don’t use their cars for business or commercial purposes. Sorry!

I’m an Uber/Lyft driver, can I use your insurance?

A pay per mile program could be a cheaper option than a traditional policy if you have a low-mileage lifestyle—like if you work from home, or regularly take public transit. Since the pricing is dynamic, you determine your price each month based on the miles you drive.

How do I know this will be cheaper?

Pay per mile is exactly what it sounds like: Car insurance that’s priced based on your mileage. You have a low monthly base rate plus a few cents per mile. That means you get a low price based on how you actually drive, with zero mystery.

How does pay per mile car insurance work?

Yes. We use the device to price our policies fairly, track mileage, help with fast claims, and provide on-site emergency services. All you need to do is plug the device into your car's OBD-II port—the same thing your mechanic uses to check your car's health—and activate it using the Lemonade app.

Do I need to drive with a device in my car?

No problem. You can update your coverages and limits seamlessly on the Lemonade app whenever you’d like. Learn more about how you can edit and manage your policy on the Lemonade app <a href="https://www.lemonade.com/car/explained/manage-car-insurance-policy/#edit-coverage" target="_blank">here</a>

Can I edit my coverage after purchase?

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?

We charge you for each mile you drive and add it together with your base price for your monthly total. Get a quote to see your base price and per-mile price.

How do you calculate my price?

Sure. You’ll need to send a cancellation request to your current carrier after you sign up for a Lemonade policy to make sure there’s no gaps in your coverage. Our team will be happy to help!

Can I switch now if I’m currently insured elsewhere?

You’re covered. Most states require protection that guarantees you’re not left in a tough spot if an uninsured driver causes an accident, so your Lemonade Car policy will cover the costs of these damages in a covered claim.

What happens if someone who’s not insured hits my car?

Yes. Your price will change each month depending on the number of miles you actually drive. So the less time you spend behind the wheel, the more you’ll save over time.

Will my price change each month?

Once everyone’s safe, you’ll need to file a claim through our app. It takes a couple of minutes and is super simple- just answer a few questions, and follow the steps. We’ll reimburse you for repairs or replace your car on covered claims.

What happens if I’m in an accident?

car insurance explained

https://www.lemonade.com/car/pay-per-mile/explained/

Car insurance can be confusing, so we worked hard to make it simple. If you still have questions, you can check <a target="_blank" rel="noreferrer" href="https://www.lemonade.com/car/pay-per-mile/explained/">car insurance explained</a>.

Good to know...

As low as $30/mo, based on your driving profile

Compare car insurance perks that actually matter | Lemonade

Compare car insurance perks <br/> that actually matter

We use location-based technology to make your insurance better and more affordable.

The Lemonade app lets us price your insurance based on how you actually drive,
and since driving less means fewer carbon emissions, we’ll charge you less!

Low mileage drivers pay less

Environment-friendly cars dramatically reduce carbon dioxide emissions, 
 so we added some special coverages and discounts for EVs and hybrids.

EV and hybrid drivers pay even less

Once you have a Lemonade Car policy it’s really easy to add a new car in the app or on our site. If you’re buying a new car when you open a policy we can provide same-day coverage - our team will be happy to help!

We use a number of factors to calculate the most accurate and fair price, including your car’s model, as well as your location and driving history. In other words: Safe, low mileage drivers pay less.

By planting trees! We learned that a typical car emits 4.6 metric tons of CO₂ each year, which is a lot. So we decided we’ll plant trees to help shrink your carbon footprint, using our app to determine the number of trees based on your mileage.

How do you help me clean up CO₂?

Lemonade Car requires location services to operate at all times. Please keep it on so we can provide you with our full service.

Is it okay to disable location services for the Lemonade app? (Nope.)

No problem. You can edit your coverages by adjusting your limits and deductibles in the app or on our site whenever you’d like.

Once everyone’s safe, you’ll need to file a claim through our apps. It takes a couple of minutes and is super simple- just answer a few questions, and follow the steps. We’ll reimburse you for repairs or replace your car on covered claims.

 They do. We use ‘telematics’ to price our policies fairly, to help with fast claims, provide on-site emergency services, and to calculate your CO₂ emissions so we can plant trees in your name.

Do all drivers need the Lemonade app on their phone? (Yep!)

We offer a discount for all electric and hybrid cars, plus we’ll cover you for emergency charging and damage to your wall charger.

What discounts do you have for eco-friendly cars?

car insurance explained.

https://www.lemonade.com/car/explained/

 Car insurance can be confusing, so we worked hard to make it simple.
If you still have questions, you can check out you can check <a target="_blank" rel="noreferrer" href="https://www.lemonade.com/car/explained/">car insurance explained</a>.

Sign up in seconds. Get paid in minutes. Award-winning service.

Pet Health Insurance With
Super Fast Everything

Hassle-free digital experience. Lightning fast claims payment. Powered by AI.

Insurance for the 21st century

Lemonade is ranked 4.9 stars in the App Store, and
top-rated by Supermoney, Cleasurance, and others.

America’s top-rated insurance,
now for cats and dogs

Carefully crafted in collaboration with our vet team and lots of excited pet parents

The coverage your pet actually needs

Save $$ on your annual routine care with our optional wellness package

Huge savings on tests, vaccines,
and essential care

Lemonade Pet works on a reimbursement basis. You’ll pay the vet bill up front, and then you can immediately file a claim on the Lemonade app. Once it’s approved, we’ll issue a reimbursement directly to your bank account, keeping in mind your deductible and <a target="_blank" href="https://www.lemonade.com/pet/explained/co-insurance/">co-insurance</a>.

How do pet insurance claims work?

You can submit a request to modify your coverage within the first 14 days of your policy, and again at your policy’s annual renewal. Once requested, we’ll let you know if the changes are approved by our underwriting team.

Can I change my policy later?

Like all pet insurers, we have <a target="_blank" href="https://www.lemonade.com/pet/explained/waiting-periods/">waiting periods</a> before certain coverages kick in - 2 days for accidents, 14 days for illnesses, and 6 months for cruciate ligament events. But if you opted for our preventative package, you can use the benefits in that package the day after you purchased the policy!

What are waiting periods?

A base accident and illness policy can help cover diagnostics, procedures, medications, and hospitalizations related to new accidents (like broken bones) and illnesses, including hereditary conditions (like hip dysplasia), chronic conditions, infestations, and infections.

What does pet insurance cover?

Each pet needs their own policy, but you’ll need to set them up one at a time. After purchasing a pet insurance policy for your first pet, just hit the + symbol on your Lemonade app’s home screen to get a new quote for your other <a href="/pet/dogs">dog</a> or <a href="/pet/cats">cat</a>. Plus, you can unlock a 5% multi-pet discount.

How do I add another pet?

You can go to any vet you like in the US. As long as they’re licensed to provide veterinary care in the state they operate in, it’s fair game.

Can I go to any vet?

Lemonade Pet insurance gives you coverage when your pet experiences a new accident or illness, saving you money on unexpected vet bills. Plus, Lemonade Pet offers several preventative packages and add-ons, so you can customize your policy based on your pet’s needs.

How does pet insurance work?

Anything your pet has shown signs of before the policy’s waiting periods are up would be considered a pre-existing condition. But we’ve got your back in case of accidents and any new illnesses, as part of our base coverage.

What are pre-existing conditions and are they covered?

We want to get to know your pet so we can provide the best experience. After you purchase your insurance policy, we’ll ask for your pet’s medical records, which show vital information and help us understand if your pet has previous health issues, aka pre-existing conditions. This will also help speed up the process when reviewing your claim!

Do you need my pet’s medical records?

Lemonade’s pet insurance is currently available in 37 states, plus Washington, D.C.— <a target="_blank" href="https://www.lemonade.com/lemonade-goes-global">check out where Lemonade Pet (and all our other coverages) are available</a>.

Does Lemonade offer pet insurance near me?

 Unforeseen vet bills can add up, which can leave you having to make the difficult decision between your pet’s health and your financial stability. Pet insurance gives you the security of knowing that if the unexpected happens to your pet, you won’t have to drain your savings.

Why should I get pet insurance?

Yes, you can cancel your policy at any time through the Lemonade app. Keep in mind that our waiting periods will reset, and anything that occurred or was diagnosed during your first policy would be considered pre-existing conditions on a future policy.

Can I cancel my policy at any time?

 Here are a few important things to note about your pet health insurance. If you still have questions, <a href="#">our team will be happy to help!</a>

Pet insurance from $10/mo. Get 10% discount if your home is also insured with us.

Sweet prices. 
Sweeter value.

Lemonade is a public benefit corporation. We take a flat fee up front before we pay claims. Then, we donate what’s left to meaningful causes our customers choose—including animal welfare organizations.

Good for your pet, and for the world

Insurance Built For the 21st Century | Lemonade

Renter tested. Landlord approved. Starting from $5/mo.

Insurance that 
keeps your stuff safe

Lemonade has earned 4.9 stars on the App Store, and is also
top-rated by Supermoney, Clearsurance, and others.

Most loved renters insurance
in America

Our AI can activate your policy and protect your stuff instantly.

Covered in as little as 90 seconds

Insure everything you own from damage or loss, whether it’s in your house or outside.

Protected inside and out

No paperwork. No hassle. No waiting.

Claims paid at record speed

Didn't find what you were looking for?

Sure you can! Once you sign up with us, we’ll send your previous insurer a formal notice. Once they get it, they should cancel the remainder of your policy term and refund you for any outstanding payments.

I already have a policy with another carrier - can I switch?

Extra Coverage offers enhanced protection for jewelry, fine art, cameras, bicycles, and musical instruments, with deductible-free claims and coverage in cases of accidental loss and damage. You can apply for Extra Coverage when you sign up for a policy, or at any time after you’ve activated your policy.

What is Extra Coverage?

Very easily: just open the <a href={"https://www.lemonade.com/download"} target="_blank" rel="noreferrer"> Lemonade app </a>and hit the ‘Claim’ button. We’llguide you through the process from there.

How do I file a claim?

Your policy covers your personal property against theft and damage, plus legal claims for damage or injury you accidentally cause others. Also, if your home becomes unlivable due to certain types or damage we'll help cover the costs of temporary living arrangements. Learn more about what's covered <a href="https://www.lemonade.com/blog/what-is-renters-insurance-and-whats-covered/" target="_blank" rel="noreferrer"> here </a>.

What does Lemonade Renters insurance cover?

A Lemonade renters insurance policy starts at $5 per month, but your policy price (aka the ‘premium’) will be affected by the coverage amounts you choose, among other factors.

How much does renters insurance cost?

You can pay with a credit card, and choose between annual or monthly payment plans. (In some states, you’ll get a discount if you pick the annual option).

What kind of payment methods do you accept?

You&apos;re still covered! Your Lemonade renters policy covers your personal property anywhere in the world. Read all about theft coverage <a href="https://www.lemonade.com/blog/does-renters-insurance-cover-theft/" target="_blank" rel="noreferrer"> here </a>.

What’s not covered?

You&apos;re still covered! Your Lemonade renters policy covers your personal property anywhere in the world. Read all about theft coverage <a href="https://www.lemonade.com/blog/does-renters-insurance-cover-theft/" target="_blank" rel="noreferrer" > here </a> .

What if something I own gets stolen outside of my home?

All you need to do is tap ‘Add-ons’ under your policy page in the <a href={"https://www.lemonade.com/download"} target="_blank" rel="noreferrer"> Lemonade app </a> or your policy on your account page <a href="https://me.lemonade.com/" target="_blank" rel="noreferrer"> here </a> 

How do I add an interested party?

You could qualify for an automatic discount by bundling your policies. You could also score a discount on your renters policy if your place includes protective devices, like deadbolts, smoke alarms, and burglar alarms.

Does Lemonade offer discounts for renters insurance?

 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. No hard feelings!

What if I want to cancel my policy?

In addition to renters insurance, Lemonade offers homeowners, car, pet, and term life policies. You can unlock an automatic bundle discount with any combination, <a href="https://www.lemonade.com/renters/explained/renters-and-car-insurance-bundle/" target="“_blank”">like car and renters</a>, so it’s both a great way to consolidate your insurance needs and an opportunity to save.

What bundle options does Lemonade offer?

renters insurance explained.

https://www.lemonade.com/renters/explained/

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

Safeguard all your stuff with just a few taps.

Starting from $5/mo.
(not a typo)

Lemonade is a public benefit corporation. We take a flat fee up front before we pay claims.
Then, we donate what’s left to meaningful causes our customers choose.