Lemonade Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Lemonade’s publicly available home underwriting guidance is consumer-facing rather than broker-facing. Current published appetite indicates a digital, standard-market focus on typical owner-occupied homes and condos that fit Lemonade’s automated underwriting model, rather than complex, high-value, unusual, or catastrophe-concentrated risks. Lemonade states it may decline properties that are unique or require specialized coverage, including very large/high-value homes (example given: 22-bedroom mansion), homes used for short-term rental/home-sharing, and homes under construction. It also says it limits writings in catastrophe-exposed areas, specifically noting wildfire and hurricane exposure as reasons it may restrict or decline business. Published coverage materials show homeowners availability in 23 states and HO3/HO6 offerings, with dwelling coverage generally ranging from $125,000 to $1.5 million depending on state; this suggests preference for small-to-midmarket personal lines homes within standardized replacement-cost parameters. Additional consumer guidance indicates standard homeowners exclusions or limitations for flood, earthquake (unless added where available), home business exposures, neglect/wear and tear, short-term rentals, and extremely high-value items. Operationally, preferred submissions are straightforward primary residences/standard condos in approved states, with good maintenance and no unusual occupancy or exposure profile. Geographic note: availability is state-limited and catastrophe management appears active, so state and location eligibility should be confirmed at quote time. No verified official producer, wholesale, or broker submission/appetite portal for Lemonade home insurance was found on Lemonade’s public site during this refresh; guidance appears primarily direct-to-consumer, app-based, and quote-driven rather than broker-distributed. Submission expectations therefore appear to be self-service digital quoting via Lemonade’s platform, with underwriting decisions made through automated eligibility and pricing rather than manual producer negotiation. Broker note: because no official producer/broker page was verified, treat Lemonade Home as primarily direct/consumer-channel unless separate appointment information is obtained directly from the carrier.