Lemonade: Homeowners & Renters Insurance

Get homeowners and renters insurance quotes in minutes—no brokers, no paperwork, just instant coverage powered by technology. Lemonade lets you handle everything from your phone: apply, adjust your policy, and file claims anytime, anywhere.

Instead of traditional agents, we use automation and AI to cut through the hassle. Quote to policy takes minutes. Claims approval happens in seconds if our fraud detection algorithms clear you—then payment follows instantly. Adjust your coverage, add a household member, or switch your address with just a few taps. Live policies mean you're never locked in.

Renters insurance starts at $5 per month, homeowners at $25 per month. We're financially rated A (exceptional) and reinsured by the world's most established carriers, so your coverage is rock-solid. Bundle renters, homeowners, car, pet, or term life insurance and we automatically apply discounts across everything.

Lemonade operates as a B-Corp, which means social good isn't an afterthought—it's built into how we work. We take a flat fee, use the rest to pay your claims lightning-fast, and donate unclaimed money to charities you choose. Our drivers' mileage triggers tree planting to offset carbon emissions. You're not just protecting yourself; you're helping your community.

During claims, our dedicated specialists stand ready to help if you need guidance. Our AI runs 18 anti-fraud checks in parallel, so legitimate claims zip through without delay. You can file from anywhere: home, work, vacation, or the road. Upload photos, answer a few questions, and watch your claim progress in real time.

Personalize every aspect of your coverage. Protect your home and its contents, your personal property on the go, liability, and everything in between. Change what you're covered for whenever your life changes—moving, getting married, adopting a pet—all without a phone call or appointment.

Proof of insurance downloads instantly to your phone, ready to share with landlords, lenders, or anyone who needs it. Your policy document is always there.

Lemonade: Homeowners & Renters Insurance brings modern insurance to your pocket—fast, transparent, and built for how you actually live.