Lemonade
- Smooth digital experience on the website and app
- Pays some claims immediately after filing.
- Portions of policy premiums are donated to charity.
- Not available in all states.
- Very high rate of consumer complaints.
About Lemonade home insurance
Lemonade homeowners insurance earned 3.3 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 isn't the industry norm, either. The company takes a flat fee from each premium and uses the rest to pay claims and other expenses. It gives leftover money to charities selected by policyholders.
Lemonade isn’t right for everyone. Its policies aren’t available in all states, and it draws a high rate of consumer complaints. But for homeowners who value efficient service and the chance to send their insurance dollars to worthy causes, Lemonade is worth considering.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.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. The company says its fastest claim was processed in three seconds.
Charitable giveback. Lemonade policyholders helped support 45 nonprofit organizations in 2025. Contributions went to tree planting, emergency food baskets, anti-trafficking and other causes.
Where Lemonade home insurance falls short
Availability. Lemonade homeowners insurance isn’t available in all U.S. states.
Consumer complaints. The company draws a very high rate of complaints to state regulators.
You can purchase Lemonade homeowners insurance in 28 states and Washington, D.C.
What Lemonade home insurance covers
These types of home insurance coverage generally come standard:
- Dwelling
Dwelling coverage pays to repair or rebuild the structure of your home after a covered event. It also covers attached structures, such as porches.
Typical amount: Enough to rebuild your home.
- Other structures
Other structures coverage pays to repair or rebuild stand-alone structures on your property, such as a fence or shed.
Typical amount: 10% of dwelling coverage.
- Personal property
Personal property coverage pays to repair or replace stolen or damaged belongings. Personal property coverage comes in one of two options: actual cash value or replacement cost.
Typical amount: 50-70% of dwelling coverage.
- Loss of use
Loss of use coverage, sometimes known as additional living expenses coverage, helps pay temporary living expenses while your home is being repaired. This can cover hotel stays, home rentals and meals.
Typical amount: 20% of dwelling coverage.
- Personal liability
Personal liability coverage pays if you injure someone or cause property damage unintentionally or through neglect.
Typical amount: $100,000 to $500,000.
- Medical payments
Medical payments coverage pays to treat someone injured on your property, regardless of who’s at fault. It also pays if you, a family member or a pet injures someone away from your home.
Typical amount: $1,000 to $5,000.
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. Some insurers charge more for this type of coverage.
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 youra standard Lemonade policy:
Extended reconstruction cost in case it costs more than expected to rebuild your home after a disaster.
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.
Where Lemonade home insurance is available
You can purchase Lemonade homeowners insurance in 27 states and Washington, D.C.
Availability may change at any time. Coverage may not be available to all homeowners in a given state.
- Find the best homeowners insurance in your state
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.
More Nerdy Perspective
You can lower your premiums by raising your homeowners insurance deductible, the amount that will be subtracted from any claim payouts. You’ll have to be willing to pay for minor home damage out of pocket rather than filing a claim, but it’ll often save you money in the long run. That’s because insurance companies generally raise your rates after you file a claim — so smaller claims might not be worth it. Just be sure to choose a deductible amount you’d feel comfortable covering.
Consumer satisfaction
One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Lemonade scores poorly on this measure, drawing a very high proportion of home insurance complaints compared to other U.S. insurers.
How we determined our complaint scores We analyzed three years' worth of complaint data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums.
- 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 policies not being renewed. However, others praise Lemonade’s affordable rates and straightforward service.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.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 your claim immediately. Payouts are deposited directly into your bank account.
Here are some key things to remember when filing a home insurance claim:
Document the damage. Take photos and create an inventory of damaged items. Provide details like labels and model numbers if possible, especially for more expensive items. Once you've documented the damage, you can make temporary repairs if it's safe to do so.
File your claim as soon as possible. This is especially important if the damage was caused by a storm, as it likely means other homes in the area were also affected.
Save your receipts. You may end up spending money on temporary repairs or living expenses before getting a payment from your insurance company. Keep all receipts so you can submit them for reimbursement later.
For more information, see how to file a home insurance claim.
How to contact Lemonade customer service
Phone: Call 844-733-8666.
Email: Send your message to help@lemonade.com.
Chatbot: The Maya chatbot is available for simple questions on the website and app
Online tools
Website: Lemonade’s website is cleanly designed and easy to use. Its lengthy FAQ section offers information in jargon-free language. You can get a quick quote from the homepage.
Mobile app: The Lemonade app lets you view policy details, update your coverage, file claims, get quotes and buy a policy.
Lemonade home insurance vs. GEICO
The primary differences between Lemonade and Geico home insurance are:
Business structure. Lemonade sells its own policies, while GEICO homeowners policies come from third parties like Travelers, Liberty Mutual and Homesite.
Claims process. With GEICO, you’ll need to contact the third party that underwrites your policy to file a claim. Meanwhile, Lemonade has a quick, straightforward claim process that you can carry out in the app.
Bundling. 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.
Other Lemonade products
Read NerdWallet's reviews to learn more about Lemonade's other insurance products:
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
- See all NerdWallet home insurance reviews
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 100 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Frequently asked questions
Does Lemonade home insurance cover belongings in a storage unit?
Does Lemonade home insurance cover belongings in a storage unit?
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.
Does Lemonade home insurance have dog breed restrictions?
Does Lemonade home insurance have dog breed restrictions?
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, American bulldogs, German shepherds, chows, mastiffs, Great Danes, Presa Canarios, Akitas, Alaskan malamutes, Siberian huskies and wolf hybrids.
But breed restrictions don't apply if you live in Connecticut, Georgia, Illinois, Michigan, New Jersey, New York, Pennsylvania or Virginia. Instead, Lemonade will exclude dog liability only if your pet has a history of biting. Learn more about dog liability insurance.
How do I cancel Lemonade homeowners insurance?
How do I cancel Lemonade homeowners insurance?
You can cancel your policy through the Lemonade mobile app. You'll get a prorated refund based on the amount of time remaining in your policy term.
Can you get Lemonade homeowners insurance for a house with an older roof?
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. Roofs take a beating in severe weather and are expensive to replace. That’s why 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?
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 who insures you. But 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, shop around for home insurance quotes from other insurers.
Star rating 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, claims process and website functionality. 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 or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with 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.
