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Lemonade Homeowners Insurance

Lemonade homeowners insurance offers hassle free, instant insurance through their transformative app. The monthly affordable fixed flat rate, as low as $25 for homeowners insurance, means claims get paid faster. Extra coverage options have no deductible and cover accidental loss, damage and theft, worldwide - it means you're covered at home and everywhere else. It only takes 90 seconds to get insured - check their prices and get insured today!


Lemonade homeowners insurance offers cheap policies designed for the 21st century and donates unused premiums to charity. Although it’s not available everywhere, the service is rapidly expanding into new states.


  • Clever use of unused premiums
  • Quick online quotes
  • Affordable policies


  • Not available in every state
Lemonade Homeowners Insurance Get Started 

How does Lemonade home insurance work?

Lemonade homeowners insurance has a straightforward process. Traditionally, insurance companies make money by keeping whatever is paid in premiums after reimbursing clients for claims, which provides them an incentive to deny claims to increase profit. Lemonade is different — the company takes a flat fee and uses the rest to pay claims to avoid conflict with customers. Any leftover premiums go to charities chosen by policyholders. Lemonade is built on a digital platform, which means you can buy a policy anytime and anywhere by using your phone. It takes a couple of minutes to get insured, and you can cancel anytime.

Lemonade homeowners insurance cost

Lemonade’s homeowners insurance varies based on several factors, but policies generally start at $25 a month. The state you live in, the size of your home, the cost to rebuild your home and the number of claims made by people in your area or in similar situations all affect the price of Lemonade home insurance.

What does Lemonade homeowners insurance cover?

Lemonade homeowners insurance is relatively comprehensive, especially when considering the low price. It covers the 16 perils typically included by homeowners insurance policies, including smoke and fire damage, vandalism and damage from inclement weather. The policies also cover rarer liability occurrences, like medical bills incurred if someone is injured in your home and you are not at fault.

Lemonade homeowners insurance FAQ

Will Lemonade cover items in self storage?
Yes. Lemonade covers items you have in self storage for 10% or $1,000, whichever amount is greater.
Does Lemonade have physical locations?
No. Lemonade is entirely digital, which makes it especially popular with millennials.
Can I qualify for discounts from Lemonade?
Yes. You might receive a discount if you have an alarm system, a home monitoring system or smoke detectors. You may also qualify if you’ve made recent improvements to your home, such as installing a new roof.

Do we recommend Lemonade homeowners insurance?

We recommend Lemonade homeowners insurance for the company’s low prices, fast claim payout, and innovative way of putting unused premiums to use by donating them to charity. Lemonade homeowners insurance reviews praise the company for bringing the insurance industry into the 21st century. It’s hard to find a better deal for home insurance than with Lemonade.

Lemonade Homeowners Insurance Reviews

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Page 1 Reviews 0 - 30
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Sept. 11, 2019

Lemonade is great. It allows me to cover all my belongings through both general coverage and specialized coverage for my most cherished items. The platform is reliable and easy to use, and best of all, the price is reasonable. I haven't submitted a claim yet but if it's anything else like the rest of the platform, should be easy as a knife through butter.

4 people found this review helpful

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    Lemonade Homeowners Insurance Company Information

    Company Name:
    Lemonade Homeowners Insurance