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 verified publicly available homeowner underwriting guidance is consumer-facing rather than a formal broker appetite guide. Current published positioning indicates a digital, standard personal-lines homeowners appetite focused on straightforward owner-occupied homes that fit app-based quoting and servicing. Their decline guidance says they avoid homes needing unique/specialized coverage, illustrated by very large or high-value homes such as a 22-bedroom mansion, implying limited appetite for luxury, unusual, or complex risks. Published product content also points to standard HO coverage expectations rather than specialty property: homeowners coverage is built around named/open-peril property protection for accidental, sudden losses such as fire, windstorm, explosion, and vandalism, with common exclusions for flood, earthquake, sinkhole, neglected maintenance, mold, normal wear and tear, pest/bed bug infestation, power/water/heat outages without covered damage, and property that is simply lost or accidentally broken. Liability is generally included, but dog-bite liability may be restricted if the dog has prior bite history or is considered a high-risk breed; sample forms also show animal liability exclusions for prior bite history, dangerous propensities, and certain non-domestic animals. Geographic note: Lemonade publicly states homeowners insurance is available in AZ, CA, CO, CT, DC, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NY, OH, OK, OR, PA, TN, TX, VA, and WI. Submission/placement note: Lemonade states customers can only sign up through its website or mobile app; there is no public submit-business portal or manual homeowner underwriting packet for brokers on the verified pages. For agents, Lemonade has an appointment/agent page rather than a homeowner appetite guide; it says appointed agents can sell homeowners, renters, and car, appointments are typically processed within a few days, Lemonade appears on comparative raters such as EZLynx, PL Rating, and Bolt, offers direct API access for strategic integrations, and supports IVANS downloads. Operationally, this suggests best fit for digitally submitted, mainstream homeowner risks in approved states, with nonstandard/high-value/complex properties likely better placed elsewhere.