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 HO-3 and HO-6 style homeowners/condo policies on its own paper (Lemonade Insurance Company) in select U.S. states; availability and pricing are driven by its app/online platform and may change by state and over time. The carrier positions these products as straightforward, tech‑driven home policies with standard coverages (dwelling, other structures, personal property, loss of use, personal liability), and does not bundle separate flood coverage.([lemonade.com](https://www.lemonade.com/homeowners?utm_source=openai)) Operational appetite (high‑level): - Target risks are mainstream, owner‑occupied primary residences and typical condo units with conventional construction, normal protection class, and no unusual hazards. Policies are underwritten and serviced directly through the Lemonade app/website; business is primarily direct‑to‑consumer rather than broker‑driven.([lemonade.com](https://www.lemonade.com/homeowners?utm_source=openai)) Non‑preferred / avoid (from a distributor underwriting positions document for HO3/HO6, which reflects Lemonade’s appetite but is labeled as an abbreviated list and not exhaustive): - Occupancy: - Non‑owner‑occupied homes, vacant properties. - Properties 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. - Five‑plus family dwellings and properties with more than one family per unit. - Homes hosting more than one roomer/boarder. - Home types: - Container, mobile, trailer, modular, manufactured, log homes; farms. - Dwellings on state or national historic registers. - Dwellings built near/over water or on open foundations. - Homes with overhanging trees (flagged as non‑preferred hazard). - Applicants with low insurance scores may face more restrictive eligibility requirements.([appund.com](https://appund.com/content/documents/divisions/personalLines/lemonade/LemonadeUnderwritingPositions.pdf?utm_source=openai)) Geographic / market notes: - Lemonade writes homeowners in a subset of U.S. states; they emphasize that not all products are available in all areas and reserve the right to determine eligibility. Availability must be verified via the online/app quote flow at time of submission.([lemonade.com](https://www.lemonade.com/terms-of-service?utm_source=openai)) - Public reporting and third‑party commentary indicate Lemonade has adjusted homeowners participation in certain states (e.g., filings withdrawn or coverage discontinued in some jurisdictions), and underwriting appears sensitive to catastrophe exposure (fire, wind, coastal, high‑severity areas). These changes are state‑specific, subject to rapid revision, and not fully detailed in public producer materials, so treat state availability and cat‑exposed property appetite as fluid and confirm via the live quote process.([thecooldown.com](https://www.thecooldown.com/green-business/lemonade-insurance-discontinues-homeowners-coverage-texas/?utm_source=openai)) Submission / producer handling: - Lemonade is primarily a digital, direct‑to‑consumer carrier; home quotes and binds are handled through the Lemonade website or mobile app. Business is produced by Lemonade Insurance Agency, LLC, which is affiliated with the carrier and appointed where Lemonade is admitted.([pl.dfs.ny.gov](https://pl.dfs.ny.gov/system/files/documents/2020/06/16023f18.pdf?utm_source=openai)) - No traditional broker/producer underwriting guide, supplement requirements, or manual submission workflows are published; eligibility and rating are driven by the online/app interface, including data pulls and AI‑driven risk assessment. Broker/operational considerations: - Expect tight adherence to automated eligibility rules (e.g., occupancy, rental days, ownership type, construction/usage red flags). Properties outside the preferred characteristics above are likely to be auto‑declined or non‑renewed in line with internal guidelines. - Because official, line‑by‑line producer appetite documentation is not public, treat the above non‑preferred list as indicative rather than exhaustive and use real‑time quoting to test edge‑case risks. - Flood, unusual exposures, or materially unique construction/ownership structures should be assumed out‑of‑appetite unless clearly accepted in the live quote. Overall: Lemonade Home targets standard, owner‑occupied homes/condos in lower‑complexity personal lines segments, with a narrow appetite for non‑standard occupancies, non‑traditional structures, historic or high‑hazard locations, or properties with business use or frequent rentals. Underwriting is centralized and algorithmic, with limited room for manual exceptions visible to external producers.