We’re a full-stack insurance carrier built to provide the most delightful and transparent insurance experience in the world.
We offer hassle-free contents insurance in the UK, contents & liability insurance in Germany and the Netherlands, and renters insurance in France. We also offer homeowners, car, pet, and life products across the US.
Lemonade is a fully licensed and regulated insurance company, which means that we underwrite, price, and sell policies, as well as handle and pay claims.
We’re also a public benefit corporation and a certified B Corp, which means we care about the community and environment, and not just business results. Once a year, if there are unused premiums left over, we donate them to nonprofits our customers choose.
Traditional insurance companies collect profits from whatever premium £ are left after paying claims and expenses. This insurance business model can create a conflict of interest between the insurance company and its customers.
Lemonade was built differently.
Instead of profiting from unclaimed premiums, we take a flat fee out of your premium upfront—that’s our profit—and donate whatever money may be left, after paying claims and expenses, to charities you choose. We call this the Lemonade Giveback.
This way, our customers enjoy amazing insurance, and society gets a little push for the better. It also means that we're happy to pay claims fast and without any hassle.
Lemonade keeps a fixed percentage from the premiums we collect. This pays for developing loads of cool tech, running the company (salaries, rent, reinsurance, and so on), and turning a profit. But because it’s a fixed fee, our desire for profit does not conflict with our duty to pay claims. If there’s money left after claims are paid, we donate it to nonprofit causes selected by the Lemonade community. That means we’re not incentivised to deny claims, because any remaining funds not paid out for claims will never end up in our own pocket.
Lemonade, Inc., a publicly traded company, is listed on the New York Stock Exchange, and is a public benefit corporation organised under Delaware law. Lemonade Inc. is the parent company for a group of subsidiary companies.
In the UK, Lemonade is under the supervision of the Dutch Central Bank (De Nederlandsche Bank, DNB), and deemed authorised by the Prudential Regulatory Authority (FRN 846181) and subject to regulation by the Financial Conduct Authority (FRN 934706) and limited regulation by the Prudential Regulatory Authority in the UK. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the FCA’s website.
Lemonade policies are primarily sold online through our website or our mobile apps. Customers must download the app in order to manage their policy, get help from our team, and file claims.
We offer contents insurance in the UK, contents & liability insurance in Germany and the Netherlands, and renters insurance in France. We also offer renters, homeowners, car, pet, and life products in the US.
We’re constantly working on new and exciting products and features. We recommend following us on Twitter to get updates.
Yes! Some of the biggest reinsurers in the world are reinsuring Lemonade, like Aviva, Swiss Re, Munich Re, and Hannover Re.
If you live in the UK, US, Germany, the Netherlands and France—you’re in luck. For everyone else: We’re coming soon, so stay tuned via Twitter or sign up here for updates.
Yes. We've earned a Financial Stability Rating® of A-Exceptional from Demotech Inc., and are reinsured by some of the industry’s largest brands.
B Corp® is a certification granted to for-profit companies that meet rigorous standards of social and environmental performance, accountability, and transparency. Although Lemonade seeks to make a profit, our mission is to also be a force for public good. Lemonade Inc. is a public benefit corporation organised under Delaware law, which means that it is legally permitted to consider the interests of all our constituents, not solely the interests of our owners, in operating our business.
You’ll see a summary of your cover and a preview of your customised policy before you pay. You’ll be able to edit your cover and other details—such as the excess, start dates, and more—all before you finalise your policy. After payment, we’ll instantly issue your final policy and send it to you by email. If for any reason you require a hard copy, please reach out and we’ll send you one.
Premiums are calculated on an individual basis for each policyholder and are based on a number of different factors including recent insurance claims, and information about you and your property. We may also factor in the sensitivity of your home to windstorms, severe weather damage, and fires.
Sure. Before purchasing a policy, you’ll be able to adjust the cover you need as well as choose an excess that works for you. Naturally, we have maximum and minimum limits to all coverages.
After you buy a policy, you’ll be able to view and edit your cover through the Lemonade app. These changes may affect the premium you pay.
You can cancel your policy at any time, and receive a refund for the unused portion of your premium. And if you want to return in the future? No problem. We’ll create a new policy for you. Know that our prices change from time to time, so your new policy may come with a different rate.
You definitely can. Just ask your current insurer how much notice you need to give for cancellation, and set your start date for your Lemonade policy on your cancellation date. This way you avoid overlapping insurance policies (that’s a bit more protection than you’ll ever need). Also, be aware that your current insurer might charge you a small fee if you cancel within the policy term.
Congrats on your move! While we can't edit the address on an active policy, it's quite easy to cancel your current policy and create a new one for your new address. Once you move into your new place, use the Lemonade app to cancel your policy. (You'll receive a prorated refund shortly after, ensuring there's no overlap in charges when you create a new policy). Then, using the app, create a new policy for your new address. If you want to add your high-value items, or you’re having trouble with the app, feel free to contact our Customer Experience team.
After reviewing your coverage summary and policy documents, you’ll be able to pay using your credit or debit card. We will charge your first payment after we’ve issued your policy, regardless of the policy’s effective date. After that, you’ll be charged each month on the day your policy became active.
It's really up to you. With Lemonade, you have the option to either have all your housemates covered under one policy, or you can have each housemate buy their own policy.
If you want to cover all housemates under one policy, let us know when you sign up. You’ll be able to cover up to 3 housemates listed on your lease (4 including the policyholder). Just make sure you add enough cover to adequately protect everyone's stuff.
If you prefer, each housemate can create their own policy, and will be able to customise their cover to match their individual needs. We do recommend all housemates go with the same insurer to help streamline the process in case of a claim (we've heard that Lemonade is a good option 😉).
If you share your home with your partner, children, or other relatives, let us know that you live with them when you sign up, and they’ll be covered (up to 4 housemates). Make sure you add enough cover to adequately protect everyone and their belongings.
Yes. If your children are still registered as living in your home, we’ll also cover their stuff while they’re temporarily living away from home. Just make sure you let us know that they live with you when you sign up. We can also cover their stuff against theft and loss while they’re at university or travelling (up to 3 consecutive months abroad) — as long as you’ve added our Theft & Loss Cover.
Generally yes, but there are some exceptions. If your laptop was stolen from your home due to a break-in, you’re covered. However, if your laptop was stolen from your favourite cafe, or it disappeared from your home without any signs of a burglary, you’ll only be covered if you have our Theft & Loss Cover as part of your policy. (If you didn’t add this when you signed up, you can do so at any time by emailing [email protected]).
Note: If the stolen item is worth more than £2,000, it has to have high-value item cover to be insured in full.
Theft involves unauthorised or forced entry (aka, there was a clear break-in), or the use of force or the threat of violence, in which items were stolen or damaged. Your Lemonade policy automatically includes cover in this instance. If your stuff was stolen, but there was no clear sign of forced entry or violence, this is not automatically covered. But you can add cover for this by selecting the Theft & Loss Cover add-on when you get a policy (or at any time later, by writing to [email protected]).
So let’s say you have a house party and an unsavoury acquaintance pockets your favourite pair of earrings. There’s no forced entry here, and no use of force. This theft would only be covered if your policy includes Theft & Loss Cover.
We cover your stuff against fire, lightning, smoke, explosion, burglary, robbery, vandalism, civil unrest, windstorms, hail, earthquakes, floodings, collision by vehicles, aircraft, or falling objects (e.g. trees). Your stuff is also covered against water damage caused by accidental leaks from fixed water systems, burst or blocked pipes, and appliances connected to water pipes (e.g. your washing machine). You’ll also have the option to include extended theft, accidental damage, and legal protection (by selecting these specific add-on packages when you sign up).
If you also want your smartphone, laptop, tablet and smartwatch to be covered against accidental damage, you can select our Mobile Devices Accidental Damage Cover.
We also cover any increased living expenses if your home becomes unlivable due to a covered event. For example, if a kitchen fire forces you out of your flat, or if a burst pipe upstairs means it’s now raining inside your home—we’ll help cover the cost of a hotel.
Your policy also includes Civil Liability cover. That means that if you're liable for any damage to the home you're renting, or if you—in the course of your daily life—somehow end up causing unintentional bodily injury or property damage to someone else, you'll be covered.
As always, make sure to review your policy to understand exactly what’s covered.
Unfortunately, your insurance policy doesn’t cover every annoying thing that can happen. The policy doesn’t cover temporary accommodations if your power, water or heat goes out in the dead of winter, or if your apartment gets infested with bed bugs (ugh). We also don’t cover damage relating to normal wear-and-tear like scratches or stains, or damage that arises gradually, like mould or rust.
We only cover stuff that’s normally kept in your home, balcony, terrace, garage, garden shed, cellar, or a storage unit in your building. Stuff that is kept in common or unprotected areas is not covered. That means things that are normally kept elsewhere—like at your holiday home, office, or a storage facility—aren’t covered.
Yes, but not against every event. Certain cover for laptops, phones, tablets, TVs, and other personal electronics are all included, as standard, in the policy. Note that any high-value item worth more than £2,000 needs to be added to the policy as a high-value item to be insured for its full value. With a base policy, your laptop is covered against the list of specific perils (bad events) mentioned in the policy such as burglary, fire, vandalism, and so on.
However, keep in mind that your policy doesn’t automatically cover your laptop if you drop or break it. For that, you’ll need to add Accidental Damage to Mobile Device Cover.
And to make sure your laptop and other mobile electronics are covered outside of the home against theft and loss, you’ll want to add Theft & Loss Cover.
If you damage your phone, laptop, tablet, or other mobile device, and it needs repairing, let us know ASAP via the Lemonade app or website. Our partners at BeValued will pick up the item from you (you can easily schedule appointments using their own app) and assess the damage to your item. If it needs to be repaired, they’ll repair it using only original parts. If it’s a replacement situation, your device will be replaced ‘as new’—except for smartphones, which will be replaced with a refurbished Grade A (mint-condition) model. BeValued will deliver the repaired or new item back to you ASAP. You can also opt for a voucher or cash settlement instead.
Note: BeValued will also collect the excess you have chosen on your policy—this is your out-of-pocket participation in the damage or loss. So you’ll have to pay this amount in return for your repaired or newly replaced mobile device. For any further information on fees and timelines, please see the policy.
It’s simple! Before finalising your policy, you’ll be able to add cover for high-value items (anything valued at more than £2,000). Adding items might likely increase your premium—you’ll see the total premium, before buying the policy. Items that have not been added are covered only up to £2,000.
Note: Your items are protected only after they’ve been reviewed, and you’ve received confirmation from Lemonade.
Legal Protection Cover is there to make sure that you’re covered if you ever need to take legal action, or have legal action taken against you.
We provide legal protection for disputes related to personal injury that you suffer (e.g. you trip at work or at a shop, or you get food poisoning at a restaurant); consumer agreements (e.g. a retailer delivers faulty goods, a travel agent breaches a contract); your employment (e.g. unpaid wages, discrimination at work); the home you rent or own (e.g. noisy neighbours, a dispute with your landlord over your tenancy agreement;) and clinical negligence causing you injury (e.g. surgery which was performed incorrectly).
To see the full list of what’s covered, please review your policy.
Generally, yes. If your cat or dog bites someone, you'd be covered for legal and medical expenses under your policy. However, you're not covered if your dog is considered high-risk, meaning it is listed under the Dangerous Dogs Act 1991 or the Dangerous Dogs (Northern Ireland) Order 1983.
Know that we don’t cover any damage caused by horses, livestock, or wild animals that you own, or that are in your care.
If your payment method is declined, we’ll ask you to provide us with a different one. We’ll keep bugging you to settle your tab, but eventually we’ll have to cancel your policy. We’ll warn you first! Note: if you miss your very first premium payment, your cover will retroactively be considered void (no cover).
While our prices may be cheaper than the more established players, that won’t always be the case.
Insurers use different models and data sets to set prices, and on occasion our prices will be higher than someone else’s. Do keep in mind that Lemonade offers a unique perk: Leftover money that isn’t used to pay claims goes to charities that our customers choose, as part of our Giveback program.
Of course! Like other insurers, we are Star rated by Defaqto which means we’re independently compared against other providers in the UK. Defaqto takes a detailed look at insurance products and gives them a rating out of 5, allowing customers to make an impartial comparison.
We’re proud to tell you that Defaqto has granted our contents insurance cover a 5 Star Rating These ratings are updated every year, and we're always looking for ways to improve our contents cover even further.
Easy! Just open the Lemonade app and hit the Claim button. We’ll guide you through the rest of the process there—it’s easy and painless. If you’re confused or have an issue for some reason, feel free to email [email protected].
After you complete the claim report on the Lemonade app, you will be asked to enter your bank account wire information. We can only make payments to a bank account opened in your name within a territory that is a member of the European Union, part of the European Economic Area, or part of the Single Euro Payment Area (SEPA). If your claim is approved, we’ll issue payment in pound sterling, minus the amount of the excess (if it applies), directly into your account.
We offer 100% replacement value for any destroyed, damaged, or stolen item. This means we will pay you the cost to repair or replace an item (whichever is lower) based on the price of a new item of the same make and model, without any deductions. If the exact item is no longer available, we’ll reimburse you the amount required to buy a replacement of equivalent type and quality. In other words, we don’t pay less just because your damaged item was used.
How does this work? Let’s say your camera has been stolen. You bought it three years ago for £500, and today, this exact model sells at a reduced price of £350. Since our job is to provide you with an exact replacement, the value you’ll be compensated for is £350.
Our goal is for the majority of claims to be paid almost instantly. However, there will be cases in which we’ll need to fully review the incident to approve the claim, and there will be content damage claims or liability claims that may take longer to settle. For example, if this is not the first loss you are reporting, or if some of the information we require is missing from your report, our team will need extra time to manually assess the incident, and will most likely get in touch with you for further review.
There’s no better way for us to understand your incident than by having you describe it in your own words. We’ll use your video solely for the process of handling or reviewing your claim.
In case of a serious emergency, always call the emergency services (999) immediately. If you have a home emergency—like one that’s due to fire or sudden water damage, getting locked outside your home, or structural damage that leaves your home unprotected—reach out to your landlord. They should have emergency assistance under their own insurance policy. Once you’re out of immediate danger, you can make a claim for your stuff via the Lemonade app.
It depends on the context. Keep in mind that your personal items won’t be covered when you’re out and about unless you have our Theft & Loss Cover add-on. We recommend you register any item you’ve lost on Report My Loss. Once you’ve completed the form there, you’ll receive a lost property reference number that you will need to share with us.
Once you initiate the claims process through the Lemonade app, you can provide us with more details about what happened. If you’re unsure about what level of cover you have, just reach out to us.
If you discover your belongings have been stolen, call 999 (if you’re in danger) or 101 (if it’s not an emergency). Give the police as much information as you can. Don’t forget to ask for a crime reference number as you’ll need this later when you file your Lemonade claim.
Remember, if your personal items were stolen from your home due to a break-in (burglary), you’re covered. However, if your personal items were stolen from your favourite coffee shop, or it disappeared from your home without a sign of break-in, you’ll only be covered if you have our Theft & Loss Cover add-on.
When filing a claim, it’s always very helpful if you have receipts for your stuff. But we know that not everyone saves their paperwork (and you might have received more than a few gifts over the year).
If you don’t have a receipt for an item, our team will work with you to confirm that the stolen or damaged items actually belonged to you.
In general, though, do try to keep your receipts for the more expensive stuff you buy—say, £250 and up. That way, we can settle your claim faster.
The Lemonade Giveback is how we support amazing nonprofits who are doing good in the world.
Insurance works by pooling small amounts of money (premiums) from a large group of people to pay for the unlucky few who suffer covered losses (claims). Since it’s impossible to predict how much money will be needed to cover these losses, the amounts people are asked to pay may be higher than what’s needed some years. Often, there’s money left at the end of the year.
Whereas traditional insurance companies keep that money as profit, we don’t. Instead, after taking a flat fee upfront, we donate the leftover £ to nonprofit partners chosen by the Lemonade community.
We calculate and pay the Giveback every year during the summer.
We work with a wide range of organisations that align with our mission of transparency and progressive stances. We’re always listening to customer suggestions, and reacting to urgent current events like Covid-19, so we’re constantly adding to our diverse list of local, national, and global nonprofits.
We assess the quality of nonprofit organisations based on their transparency to the public and their financial, fundraising, and administrative procedures. Find the full list of Giveback partners here.
Once you pick a cause, it will be set until we pay the next annual Giveback. Once the Giveback is paid, you will have an opportunity to pick a new cause.
We’ll be happy to consider your cause for our Giveback program. For more information, reach out to us at [email protected]
No. Giveback is part of our corporate policy, and our plan is to pay it every year. But sometimes, the group of Lemonade policyholders who choose the same Giveback charity will not have any money left to give back, because their claims depleted the Giveback pool. Paying claims is our top priority, and in extreme circumstances could come at the expense of Giveback. Check out our most recent Giveback for a rundown of where the money went
Lemonade only pays a Giveback with respect to active policies.