Renters insurance that keeps your stuff safe

Renters insurance is a policy built for people who rent (apartments, condos, houses). Your landlord has insurance, but it only covers the building. Renters insurance covers you: your personal property (AKA, your stuff), your finances, and your personal liability against things like theft and fire.

Lemonade renters insurance covers your personal property (like electronics, clothes, and furniture) against covered perils including theft, fire, and water damage. You're also protected by personal liability coverage if you accidentally injure someone or damage their property, and loss of use coverage helps pay for temporary housing if your home becomes unlivable. Want the full breakdown? Here's what renters insurance covers.

We're glad you asked! Lemonade renters insurance is available across a growing number of states, and we're still expanding. Check our current renters insurance availability and states directly on our website, or see your active coverage area inside the Lemonade app.

Yes, your Lemonade personal property coverage protects your belongings anywhere in the world. Laptop stolen from a coffee shop? Suitcase swiped while traveling? You're covered under your standard policy, minus your chosen deductible. Get the full picture in our guide on how renters insurance covers theft.

Yes, you can cancel instantly at any time through the Lemonade app or website. There aren't cancellation fees, and we'll issue a prorated refund for any remaining days you've already paid for.

The average cost of Lemonade renters insurance across the U.S. is around $16/month with prices starting as low as $5/month, as of 2026. Your exact premium depends on factors like your location, coverage limits, and the deductible you choose. Get a personalized quote in as little as 90 seconds, with no paperwork and no phone calls.

Just open the Lemonade app and tap the "Claim" button. We'll guide you through a fully digital process with no paperwork, no hold music, and no hassle. Straightforward claims are handled instantly, often in minutes.

Switching is easy. Just sign up for a Lemonade policy online or in the app, and we'll send your previous insurer a formal cancellation notice on your behalf. Your old carrier should then cancel your remaining policy term and refund any prepaid premium days.

A few things fall outside a standard renters policy. Floods and earthquakes aren't covered (though you can add earthquake coverage in some states). Bed bug infestations are out, and your roommate's stuff isn't covered either, they'd need their own policy. If you own expensive items like jewelry or fine art, they often have their own separate limits, called sub-limits, under your base policy. You can add Lemonade Extra Coverage to protect them fully.

Extra Coverage is an optional add-on that gives enhanced protection to valuables like jewelry, fine art, cameras, bicycles, and musical instruments. It comes with a $0 deductible and extends your coverage to include accidental damage worldwide. You can add it when you sign up, or any time after your policy is active.

You can unlock an automatic multi-policy discount when you bundle your renters insurance with any of our other Lemonade policies, including homeowners, pet, and term life. A popular combo is our car and renters insurance bundle, which lets you manage both policies in one place and save on both. You can also lower your premium if your home has protective devices like deadbolts, smoke alarms, or burglar alarms.

Think of it this way: if something goes wrong in your apartment and you're liable, your landlord wants to know you can cover it. Without renters insurance, a burst pipe or an accidental fire could turn into a financial mess for everyone involved. Renters insurance gives your landlord confidence that you're covered, and it protects you too: your stuff, your finances, and your liability if something unexpected happens.