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 writes predominantly standard HO3/HO6-style homeowners business for owner-occupied dwellings, with underwriting and pricing heavily driven by AI-based models, insurance scores, and third-party CAT tools. Policies are sold direct-to-consumer via the Lemonade website and app; there is no traditional open broker/producer channel, and submissions are completed by the customer online. Business is produced through Lemonade Insurance Agency, LLC, an affiliate. Preferred / target risks (implied): - Owner-occupied 1–4 family homes and condos with standard construction, modern systems, and no significant prior losses. - Properties in states where Lemonade actively offers home insurance; availability is not nationwide and is limited to selected states and DC. - Homes within normal replacement cost ranges and without unusual or high-net-worth exposures (e.g., not very large estates with complex coverage needs). Non‑preferred / avoid risks (per Lemonade underwriting positions and guidance): - Occupancy & ownership: Properties that are not owner‑occupied; vacant homes; under construction, for sale, or in foreclosure; properties owned by an LLC or used for business purposes; homes rented out more than 7 days per year; 5+ unit multifamily; properties with more than one family per unit; homes with more than one roomer/boarder. ([appund.com](https://appund.com/content/documents/divisions/personalLines/lemonade/LemonadeUnderwritingPositions.pdf?utm_source=openai)) - Home types: Container, mobile, trailer, log, modular, manufactured homes, farms; dwellings on state or national historic registers; homes built near, over, or on open water; homes with significant overhanging trees. ([appund.com](https://appund.com/content/documents/divisions/personalLines/lemonade/LemonadeUnderwritingPositions.pdf?utm_source=openai)) - High-value / complex risks: Very large or high-value homes (e.g., multi‑wing estates or those needing significant scheduled valuables coverage) are referenced by Lemonade as risks they are “not ready to handle,” and may be declined based on appetite. ([lemonade.com](https://www.lemonade.com/blog/why-we-decline/?utm_source=openai)) - Certain dog breeds: Liability coverage is restricted for ‘reactive’ breeds (including Pit Bulls, Staffies, Dobermans, Rottweilers, German Shepherds, Chows, Great Danes, Presa Canarios, Akitas, Alaskan Malamutes, Siberian Huskies, and wolf hybrids). These are often excluded from coverage when present. ([lemonade.com](https://www.lemonade.com/homeowners/explained/what-homeowners-insurance-covers//?utm_source=openai)) - Adverse property characteristics: Homes with elevated weather/CAT exposure (e.g., wildfire, severe convective storm, or hurricane-prone areas), roofs or plumbing not meeting internal standards, and other conditions that fail Lemonade’s internal inspection or weather exposure guidelines are subject to non‑renewal or declination. Declined / restricted risks and coverage limitations: - Flood and earthquake are not covered under standard Lemonade homeowners policies and require separate coverage. Routine wear-and-tear, mold, infestations, and business activities at home are also excluded, consistent with standard HO policy language. ([joinkudos.com](https://www.joinkudos.com/blog/lemonade-home-insurance-review-2025---pros-cons-verdict?utm_source=openai)) - Homes that do not meet Lemonade’s internal CAT or weather‑exposure guidelines may be non‑renewed even if originally written, especially where wildfire or severe weather risk is elevated. - Certain states or ZIPs may be closed for new homeowners business entirely based on evolving risk appetite and CAT analytics; availability should be confirmed in‑app at time of quote. Geographic notes: - Lemonade homeowners is only offered in a subset of U.S. states and DC; not all states are eligible. State availability and any moratoria or closures are enforced at the quote stage via the website/app eligibility flow. - CAT underwriting (e.g., wildfire, wind/hail, hurricane) is supported by external tools such as ZestyAI on top of Lemonade’s own models, and appetite is explicitly limited for properties that exceed the carrier’s climate and catastrophe risk thresholds. ([iireporter.com](https://iireporter.com/lemonade-adopts-zesty-ai-to-optimize-cat-underwriting/?utm_source=openai)) Submission / producer instructions: - Distribution is direct; customers quote, bind, and service policies online via Lemonade.com or the mobile app. There is no public producer manual or traditional agency submission workflow. - Underwriting is largely automated at point of sale, with additional post‑bind review and potential inspection. Policies can be cancelled or non‑renewed if post‑bind underwriting or inspection reveals that property, occupancy, or system characteristics fall outside guidelines (e.g., ineligible construction, systems, or weather exposure). Operational notes for brokers/partners: - Where brokers encounter Lemonade policies, expect standard HO coverage structure with some product-specific limits and sublimits (e.g., low cash theft limits, jewelry sublimits unless scheduled). ([lemonade.com](https://www.lemonade.com/homeowners/explained/what-homeowners-insurance-covers//?utm_source=openai)) - Lemonade explicitly states that its underwriting appetite and guidelines are actively and frequently updated; risk acceptance, especially in higher‑risk CAT areas and for higher‑value homes, can change rapidly and should be validated at the time of quote via Lemonade’s digital platform. ([lemonade.com](https://www.lemonade.com/blog/why-we-decline/?utm_source=openai)) - There is no published appetite or producer guide beyond high-level blog and FAQ content; all risk selection is governed by internal AI‑ and data‑driven rules rather than manual individual underwriting. Overall, treat Lemonade as a direct‑to‑consumer, standard‑risk homeowners market with narrow property type, occupancy, and CAT appetites, no broker-driven submissions, and close adherence to automated eligibility rules and post‑bind inspection findings.