Get Renters or Homeowners Insurance with Lemonade

Lemonade is an insurance company that handles everything through an app and website — no phone calls with agents, no paperwork, and no waiting days for a quote. The company was designed from the ground up around technology, which lets it offer lower prices and a faster experience than many traditional insurers.

Lemonade offers renters insurance and homeowners insurance. Renters insurance protects the things you own (furniture, electronics, clothing, etc.) in case of theft, fire, or other damage — it does not cover the building itself, which your landlord's policy handles. Homeowners insurance protects both your belongings and the physical structure of your home from covered events like fires, certain weather damage, theft, and liability if someone is injured on your property.

Getting a quote from Lemonade takes about two minutes. You answer a series of questions about yourself, your home, and what coverage amount you want, and Lemonade shows you a monthly price. You can adjust your coverage levels and deductible amounts to change the price.

Lemonade has a unique program called Giveback. At the end of each year, Lemonade takes any portion of premiums that were not paid out as claims and donates them to a nonprofit of your choosing — a cause you select when you sign up. Lemonade keeps a fixed percentage of premiums as its fee, which means the company does not profit more by denying claims, unlike traditional insurers.

Filing a claim on Lemonade is done through the app with an AI named Maya. You describe what happened, submit photos if applicable, and many straightforward claims are paid in minutes, not days. More complex claims may require additional review.