Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. 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.
When it comes to home insurance, Lemonade works differently than other companies. To get a policy, you’ll interact with a chatbot called 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. Any money left over is given to charitable organizations selected by policyholders — adding up to more than $2.3 million in donations in 2021.
Lemonade isn’t right for everyone. Its policies aren’t available in all states, and it offers relatively few extra options to customize your coverage. But for homeowners who value efficient service and the chance to send their insurance dollars to worthy causes, Lemonade is worth considering.
Best for: Tech-savvy homeowners who want quick and easy coverage.
Lemonade home insurance pros and cons
Quick quotes available through website or app.
Not available in all states.
Some claims are paid out immediately after filing.
Receives far more than the expected number of consumer complaints for a company of its size.
Portions of policy premiums are donated to charity.
Limited extra coverage options.
How Lemonade home insurance rates
Lemonade homeowners insurance earned 4 out of 5 stars for overall performance. NerdWallet’s ratings are determined by our editorial team. The homeowners insurance scoring formula takes into account policy coverage options and discounts, ease of filing a claim, website transparency, the financial strength of the company, complaint data from the National Association of Insurance Commissioners and more.
You can purchase Lemonade homeowners insurance in 23 states and Washington, D.C.
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:
Type of coverage
What it does
Pays to repair or rebuild the structure of your home.
Covers damage to unattached structures such as a shed or fence.
Pays to repair or replace personal belongings such as furniture or clothing.
Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.
Covers legal expenses and damages if you're responsible for injuries to other people or their property.
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, which means if your stuff is stolen or destroyed, the company will pay out enough for you to buy a brand-new replacement.
Depending on where you live, you may be able to add the following types of coverage onto a standard Lemonade policy:
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.
Extended reconstruction cost in case the amount it costs to rebuild your home after a disaster ends up being higher than your dwelling limit.
Swimming pool liability to pay for lawsuits if someone is injured in your pool.
Daycare liability for those caring for other people’s children in their home.
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.
You can save on your Lemonade homeowners policy by:
Buying another type of insurance from Lemonade, such as pet or life.
Paying your bill annually instead of in more frequent installments.
Having deadbolt locks, burglar alarms or other protective devices in your home.
Living in a new or recently renovated home.
Living in a gated community.
Being insured with Lemonade as a renter before buying your new home or condo (available in select states).
Lemonade received significantly 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 home policy types, including mobile home, renters and condo insurance.)
Website: 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 right from the homepage.
App: You can use the Lemonade app to view policy details, update your coverage, file claims, get quotes and buy a policy.
Claims: 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, you may see your claim paid out immediately. Payouts are deposited directly into your bank account.
Customer service: You can get help via chatbot on Lemonade’s website or app, send an email via an online form or call 844-733-8666.
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
Homeowners insurance 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, coverages, 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 homeowners insurance rating methodology.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. 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.