Fast, affordable renter’s insurance that gives back

Starting at just $5/month, protect your belongings in as little as 90 seconds with Lemonade

Lemonade offers renters insurance that safeguards your personal property and covers personal liability costs. With policies starting at just $5/month, you can protect your belongings from theft, fire, vandalism, and more. Plus, Lemonade takes a flat fee upfront and donates any unclaimed premiums to causes you care about through their Giveback program.

Affordable: Coverage starting at $5/month
Quick: Easy policy activation in as little as 90 seconds, with claims often approved in seconds
Highly-rated: Customers give it a 4.9-star rating in the App Store

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Frequently asked questions

Where is Lemonade Renters insurance available?

Lemonade Renters insurance is currently available in 29 states plus Washington, DC. This includes Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Missouri, Nevada, New Jersey, New Mexico, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin. Check out the availability of renters insurance and other products here.

What is renters insurance?

Renters insurance is a safeguard for tenants, offering you financial help if certain unfortunate things happen to you or your stuff. Think of your policy like a safety net that’ll kick in and help if there’s loss or damage from or due to designated “perils,” which include theft, fire, vandalism, certain types of water damage, and more, specifically listed in your policy.

Who needs renters insurance?

Any renter may benefit from insurance since it offers vital financial protection for your belongings. Your landlord or property manager may require renters insurance, and getting a renters policy can save you thousands for damages caused by things like fires, theft, vandalism, burst pipes, windstorms, and more.

What does Lemonade renter’s insurance cover?

Your policy covers your personal property against theft and damage, plus legal claims for damage or injury you accidentally cause others. Also, if your home becomes unlivable due to certain types of damage Lemonade will help cover the costs of temporary living arrangements. Learn more about what's covered here.

How much does renters insurance cost?

Lemonade’s renters insurance starts at $5 per month, but your policy price (aka the ‘premium’) will be affected by the coverage amounts you choose, among other factors. Here are things that could affect your renters insurance price:

The more coverage you add, the higher the premium gets
Choosing a higher deductible can lower your premium price
Where you live may affect your premium
Insurance history that’s full of claims will increase your price, and in some cases even prevent us from being able to cover you
Protective devices such as deadbolts, burglar alarms, and smoke alarms will get you a discount
Bundling with other Lemonade products, such as pet, will get you a discount
In certain states, paying annually will reduce your premium