Homeowners Insurance by Lemonade • Get a Free Quote Online

Homeowners insurance can be confusing, so we worked hard to make it simple. If you still have questions, you can check out homeowners insurance explained.

What does a Lemonade Homeowners policy cover?

Your policy covers your home and property for damage caused by things like wildfires, extreme weather, crime, and vandalism. It also protects you against legal claims for damage or injury you accidentally cause others. Learn more about what's covered

How can I switch to Lemonade?

Once you let us know you’re switching from another carrier, we'll notify your lender and handle updating your escrow payments (if needed). Then, we’ll communicate your switching request to your previous carrier.

Can I trust you guys?

Of course. Unlike most of the new insurance startups out there, Lemonade is an insurance carrier, reinsured by some of the most trusted names in the industry. We’re a public company, traded on the NYSE, and rated A-Exceptional for financial stability.

How much does it cost?

Homeowners insurance starts at $25/month, but varies by state and depends on factors including your house’s age, the cost to rebuild, and building materials, as well as the coverage and add-ons you choose.

How do I file a claim?

Just open the Lemonade app and hit the ‘Claim’ button! We’ll guide you through the process from there.

How do I get paid for my claim?

After you complete a claim report with the Lemonade app, you’ll be asked to enter your bank account information. Once your claim is approved, we’ll issue payment, minus the amount of your deductible, directly into your account.

What if I want to cancel my policy?

You can cancel your policy at any time via the Lemonade app or website, and you’ll receive a refund for the remaining period you’ve already paid for. No hard feelings!

What kind of payments do you accept?

We can take care of everything through your lender or bank (escrow), or you can pay directly using your credit card.

Can I make changes to my policy after I purchase it?

Of course! Once you purchase your policy, simply open up the Lemonade app or access your account here. Select your policy and edit your coverage amounts to reflect your needs, or add extra coverage from the Add-ons section.