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The NYSPCC is now a partner of the Lemonade Giveback Program. Now you can use renters and homeowners insurance to protect children from abuse and neglect!

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Renters and Home Insurance For New Yorkers

Lemonade's amazing coverage protects the stuff you own at home and everywhere else.

Instant everything

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

See the Lemonade App in action
3 Minutes To get paid 90 Seconds To get insured

Killer Prices,
Monthly Subscription

Already insured? We'll take care of the switching hassle.

Already Insured? Switch To Lemonade Instantly

People left these insurance companies to join Lemonade

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What People Are Saying About Us

I love you 💖 Lemonade - bye bye old fashioned insurance companies!
Emma Fowler
Signed up last night for renters insurance from #bcorp Lemonade. If you don’t have renters insurance, get on that now! Also $5/month 🙂
Rebecca Magee
So incredibly impressed by Lemonade - amazing user experience. They have a new (and happy) customer
Scott Rosenbluth

How Lemonade Works

Lemonade reverses the traditional insurance model. We treat the premiums you pay as if it's your money, not ours. With Lemonade, everything becomes simple and transparent. We take a flat fee, pay claims super fast, and give back what’s left to causes you care about.*

  • A transparent 20%
    fee to run everything
  • We pay claims
    super fast
  • If there's money leftover,
    we give it back to causes
The Science Behind Lemonade

* Subject to board discretion and the company meeting certain financial standards

Backed by giants

Lemonade is A-rated, fully regulated and reinsured by the most trusted names on the planet. Lloyd's of London, XL Catlin and more

  • A-rated and backed by giants

    Lemonade is rated A-Exceptional, fully licensed and reinsured by some of the most trusted names on the planet, including Lloyd's of London.