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Lemonade Homeowners Insurance Review 2024
Lead Writer | Home insurance, renters insurance, pet insurance
Sarah Schlichter is a NerdWallet authority on homeowners, renters and pet insurance. Prior to joining NerdWallet, she spent more than 15 years in digital media as a writer, editor and spokesperson. Sarah enjoys delving into complicated topics and helping readers understand the ins and outs of their insurance coverage. She lives in the Washington, D.C., metro area.
Assistant Assigning Editor | Home insurance, renters insurance, pet insurance
Caitlin Constantine is an assigning editor at NerdWallet, focusing on homeowners, renters and pet insurance. She has more than 15 years of experience in digital media, including as the deputy managing editor at The Penny Hoarder and as a digital producer for a 24/7 news station based in the Tampa Bay area. Caitlin enjoys exploring the ways technology can help people become better informed about the world. She currently lives outside Asheville, North Carolina.
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Lemonade
3.0
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Pros
- Quick quotes available through website or app.
- Some claims are paid out immediately after filing.
- Portions of policy premiums are donated to charity.
Cons
- Not available in all states.
- Receives far more than the expected number of consumer complaints for a company of its size.
Lemonade
3.0
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Pros
- Quick quotes available through website or app.
- Some claims are paid out immediately after filing.
- Portions of policy premiums are donated to charity.
Cons
- Not available in all states.
- Receives far more than the expected number of consumer complaints for a company of its size.
Consider Lemonade home insurance if...
Strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the financial products that work best for you. See our criteria for evaluating homeowners insurance.
More than 270 million rates analyzed by our team of specialists.
More than 50 insurance companies analyzed in all 50 states and Washington D.C. (See our top picks.)
About Lemonade home insurance
3.0
NerdWallet ratingLemonade homeowners insurance earned 3 out of 5 stars for overall performance.
When it comes to home insurance, Lemonade works differently than other companies. To get a policy, you’ll interact with a chatbot named Maya rather than an agent. To file a claim, you’ll submit information and video through the company’s app — and you might get a payout within a few seconds.
Lemonade’s business model also diverges from the industry norm. The company takes a flat fee from each premium and uses the rest to pay claims and handle other expenses. It gives any leftover money to charitable organizations selected by policyholders — adding up to more than $2 million in donations in 2023.
Lemonade isn’t right for everyone. Its policies aren’t available in all states, and it draws far more consumer complaints for its size than many other home insurers. But for homeowners who value efficient service and the chance to send their insurance dollars to worthy causes, Lemonade is worth considering.
How Lemonade home insurance stacks up
Quick quotes available through website or app.
Some claims are paid out immediately after filing.
Portions of policy premiums are donated to charity.
Receives far more than the expected number of consumer complaints for a company of its size.
Not available in all states.
Where Lemonade home insurance stands out
Digital experience. You can handle nearly every aspect of your policy through the Lemonade app.
Quick claims processing. Some claims are handled instantly by AI.
Where Lemonade home insurance falls short
Consumer complaints. The company draws a high number of complaints to state regulators.
Availability. Lemonade homeowners insurance isn’t available in all U.S. states.
State availability
You can purchase Lemonade homeowners insurance in 23 states and Washington, D.C.
Standard Lemonade home insurance coverage
You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:
Dwelling. Pays to repair or rebuild the structure of your home.
Other structures. Covers damage to unattached structures such as sheds or fences.
Personal property. Pays to repair or replace personal belongings such as furniture or clothing.
Loss of use. Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.
Personal liability. Covers legal expenses and damages if you're responsible for injuries to other people or their property.
Medical payments. Covers injuries to guests in your home, regardless of fault.
For more details, see What Does Homeowners Insurance Cover?
Lemonade homeowners policies cover personal belongings on a “replacement cost” basis: If your stuff is stolen or destroyed, the company will pay out enough for you to buy new replacements.
In some states, Lemonade may also include coverage for issues like sinkholes, mine subsidence or leaky fuel tanks.
Optional Lemonade home insurance coverage
Depending on where you live, you may be able to add the following types of coverage to a standard Lemonade policy:
Extended reconstruction cost in case the amount it costs to rebuild your home after a disaster ends up being higher than your dwelling coverage limit.
Extra coverage for valuable items such as jewelry, fine art and high-end cameras.
Water backup coverage for damage caused by a drain or sewer backing up.
Foundation water damage coverage in case water seeps into your foundation and causes leaks.
Equipment breakdown coverage to pay for appliances that have mechanical failures.
Buried utility coverage to cover damage to service lines such as power, water or sewage lines on your property.
Swimming pool liability to pay for lawsuits if someone is injured in your pool.
Most homeowners insurance policies offer limited theft coverage for valuables such as jewelry. If you have an expensive engagement ring or a valuable collection, you may want to consider buying separate jewelry insurance.
What’s not covered
Lemonade homeowners insurance policies generally don’t cover:
Damage from flooding or earthquakes.
Liability claims or other losses if you run a business out of your home or rent your space out to short-term guests.
Bedbugs.
Damage due to wear and tear or lack of maintenance.
Nuclear hazards.
Mold.
Discounts
You can save on your Lemonade homeowners policy by:
Buying another product from Lemonade, such as pet or life insurance.
Paying your bill annually instead of in more frequent installments.
Having deadbolt locks, burglar alarms or other protective devices in your home.
Another way to lower your premium is to raise your homeowners insurance deductible, the amount that will be subtracted from your payout if you ever file a claim. Just be sure to choose an amount you’d feel comfortable covering out of your own pocket.
Consumer complaints
Lemonade received far more than the expected number of home insurance complaints to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. (NAIC home insurance complaints also cover other types of home policies, including mobile home, renters and condo insurance.)
What Reddit users say about Lemonade home insurance
Reddit is an online forum where users share their thoughts in “threads” on various topics. The popular site includes plenty of discussion on financial subjects like homeowners insurance, so we sifted through Reddit forums to get a pulse check on how users feel about insurers. People post anonymously, so we cannot confirm their individual experiences or circumstances.
The comments on Reddit about Lemonade are mixed, with some users complaining about poor claims handling and their policies not being renewed. However, others praise Lemonade’s affordable rates and straightforward service.
Questions from Reddit: Our experts answer
Can you get Lemonade homeowners insurance for a house with an older roof?
When deciding whether to insure your home, insurance companies evaluate many aspects of the property — including the age and condition of your roof. Because roofs take a beating in severe weather and are expensive to replace, carriers may not be willing to insure a home with a roof that’s old or in poor repair. Learn more about how homeowners insurance companies use aerial imagery to scope out your roof and other parts of your home.
Why did my Lemonade home insurance premium go up?
You can generally expect the cost of your insurance to go up at least a little bit each year, no matter which home insurance company you have. However, inflation and expensive natural disasters have caused home insurance rates across the U.S. to rise faster than normal in recent years. If you’re seeing a dramatic jump, it may be worth shopping around for home insurance quotes from other insurers.
How to file a claim with Lemonade
Lemonade directs you to its app to submit claims, though you can also file by phone at 844-733-8666. On the app, you’ll interact with a chatbot and upload a video of yourself describing the incident.
Depending on the circumstances, Lemonade may pay out your claim immediately. Payouts are deposited directly into your bank account.
Digital experience
Lemonade’s website is cleanly designed and easy to use, with a lengthy FAQ section offering information in jargon-free language. You can get a quick quote from the homepage.
You can use the highly rated Lemonade app to view policy details, update your coverage, file claims, get quotes and buy a policy.
How to contact Lemonade customer service
You can get help via chatbot on Lemonade’s website or app, send an email to [email protected] or call 844-733-8666.
» MORE: Lemonade pet insurance review
Lemonade home insurance vs. Geico
The primary difference between Lemonade and Geico home insurance is that Lemonade sells its own policies, while Geico homeowners policies come from third parties.
Geico works with companies like Travelers, Liberty Mutual and Homesite to provide home insurance, so if you need to file a claim, you’ll have to contact the other company directly. Meanwhile, Lemonade has a quick, straightforward claim process that you can carry out in the app.
If you’re looking to bundle home and car insurance, it’s easier with Geico, which sells auto insurance nationwide. Lemonade’s car insurance policies are available in only a handful of states.
Read our Geico home insurance review to learn more.
Current Product
|  |
|---|---|
NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. 3.0 /5 | |
Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Far more than expected | Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. No data |
Coverage Ratings are based on the types of coverage a company offers in comparison to other insurers. More than average | Coverage Ratings are based on the types of coverage a company offers in comparison to other insurers. No data |
Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Average set of discounts | Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. No data |
Bottom line Best for tech-savvy homeowners who want quick and easy coverage. | Bottom line Best for Geico car insurance customers looking to bundle their auto and homeowners policies. |
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
Other Lemonade products
Read NerdWallet's reviews to learn more about Lemonade's other insurance products:
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as financial strength, consumer complaints, coverage, discounts and customer experience.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 50 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Lemonade also sells renters, condo/co-op, pet, life and car insurance.
Yes, but the amount depends on where you live. In New York, California and Connecticut, your belongings in a storage locker are covered up to 10% of your personal property limit. In other states, you may have only $1,000 of coverage for theft.
Yes, depending on where you live. In most states, Lemonade won’t provide liability coverage for claims involving any of the following breeds: pit bulls, Staffordshire terriers, Doberman pinschers, Rottweilers, German shepherds, chows, Great Danes, Presa Canarios, Akitas, Alaskan malamutes, Siberian huskies and wolf hybrids.
But if you live in Connecticut, Georgia, Illinois, Michigan, New Jersey, New York, Pennsylvania or Virginia, breed restrictions don’t apply. Instead, Lemonade will exclude dog bite liability only if your pet has a history of biting. Learn more about dog liability insurance.
Lemonade also sells renters, condo/co-op, pet, life and car insurance.
Yes, but the amount depends on where you live. In New York, California and Connecticut, your belongings in a storage locker are covered up to 10% of your personal property limit. In other states, you may have only $1,000 of coverage for theft.
Yes, depending on where you live. In most states, Lemonade won’t provide liability coverage for claims involving any of the following breeds: pit bulls, Staffordshire terriers, Doberman pinschers, Rottweilers, German shepherds, chows, Great Danes, Presa Canarios, Akitas, Alaskan malamutes, Siberian huskies and wolf hybrids.
But if you live in Connecticut, Georgia, Illinois, Michigan, New Jersey, New York, Pennsylvania or Virginia, breed restrictions don’t apply. Instead, Lemonade will exclude dog bite liability only if your pet has a history of biting. Learn more about
dog liability insurance
.
Homeowners insurance star ratings methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full ratings methodology for home insurance.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
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