Home insurance
Lemonade home insurance
Homeowners insurance managed digitally, with location and coverage restrictions.
Product details and conditions
Digital service
Lemonade describes app-based quoting, policy management and claims filing. This does not establish a guaranteed payment or claim completion time.
Home insurance — official product terms ↓Coverage gaps
Its overview excludes floods, earthquakes, sinkholes, neglected maintenance, mold, wear and pest infestations from standard homeowners coverage. Separate policies or endorsements may be needed.
Home insurance — official product terms ↓Availability
Homeowners coverage is offered in selected U.S. states. Use the provider’s availability check for the property address rather than assuming nationwide availability.
Home insurance — official product terms ↓Before you choose
- Is this policy available for my address, vehicle or property?
- Which legal insurer issues my policy and handles claims?
- What limits, deductibles, exclusions and optional coverages appear in my written quote?
- What is the total premium with and without each discount?
Provider sources
- Home insurance — official product terms ↗
Checked 2026-09-24