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About Zebtify

Lemonade Insurance Company is a property and casualty insurance company that is transforming the very business model of insurance. By injecting technology and transparency into an industry that often lacks both, we’re creating an insurance experience that is fast, affordable, and hassle free. Unlike any other insurance company, we gain nothing by delaying or denying claims (we take a flat fee!), so we handle and pay as many claims instantly as possible.

How is Lemonade’s business different from that of a traditional insurance carrier?

Traditional insurance companies make money by keeping the money they don’t pay out in claims. This means whenever they pay your claim, they lose profit. This is why getting your claims paid fast and in full is sometimes so hard.

Lemonade was built differently. We take a fixed fee out of your monthly payments, pay reinsurance (and some unavoidable expenses), and use the rest for paying out claims. In essence, we treat premiums as if they were still your money and return unclaimed remainders in our annual ‘Giveback’.

Giveback is a unique feature of Lemonade, where each year leftover money is donated to causes our policyholders care about. We treat policyholders who care about the same causes as virtual groups of ‘peers’. Lemonade uses the premiums collected from each peer group to pay for the group’s claims, giving back any leftover money to their common cause. This way, our customers enjoy amazing insurance, and society gets a little push for the better. It also means that, unlike traditional insurance companies, we’re not in conflict with our customers, so we’re happy to pay claims fast and with no hassle.

How is Lemonade structured?

Lemonade is the brand name for products and services provided by one or more of the Lemonade subsidiary companies. Lemonade, Inc., a public benefit corporation organized under Delaware law, is the parent company of the group. There are three subsidiary companies under it:

  • 1.Lemonade Insurance Company (issues your policy and pays your claims)
  • 2.Lemonade Insurance Agency, LLC (acts as the sales agent for Lemonade Insurance Company and provides certain underwriting and claims services while receiving a fixed percentage of premiums for doing so)
  • 3.Lemonade, Ltd. This company provides technology, research, and development to the group
More details about Lemonade’s legal structure can be found at Legal Stuff.
How do I get Lemonade?

The full Lemonade experience is available through our iOS and Android app, and you can purchase a policy also through our website. We currently offer renters, condo, and homeowners insurance in Arizona, California, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Missouri, Nevada, New Jersey, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Virginia, Washington D.C., and Wisconsin; renters and condo insurance in Rhode Island and Washington State; and renters insurance in Arkansas and New Mexico (homeowners and condo coming soon). We’ll be rolling out additional states in the coming year.

Is Lemonade reinsured?

We are. Some of the biggest reinsurers in the industry are reinsuring Lemonade.

How are you using my premium dollars?

Glad you asked! Lemonade keeps a fixed percentage of all premiums. This pays for developing loads of cool tech, running an insurance business (including salaries, rent, and such), and hopefully making some profit! This way, our desire for profit does not conflict with our duty to pay claims.

The remainder?
Job #1  is to ensure we can always pay claims
Job #2  is to Giveback money that isn’t needed for Job #1
Here’s how that works:
Lemonade is a fully licensed and regulated insurance company, which means that we underwrite, price, and sell policies, and pay claims. You, the customer, pay us a premium, and we take a flat fee and pay your claims. We don’t want to be in conflict with you over that premium dollar, so behind the scenes, we work with what is known as reinsurance (think of it as insurance for insurance companies). We share a lot of our premium with them, and they pay most of our losses, plus they cover our flat fee. Most of our reinsurance is long-term, so we and our customers don’t need to worry about it year-to-year, like many other insurance companies.
 
Our reinsurance program may change from time to time, and it looks different today than what we started with. But our Giveback approach has not changed, and our ability to deliver on Job #1 – to ensure we always can pay claims – is as strong as it ever was.
When can I expect Lemonade to be available in my state?
If you’re living outside of Arizona, Arkansas, California, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Missouri, Nevada, New Jersey, New Mexico, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, Tennessee, Texas, Virginia, Washington D.C, Washington State or Wisconsin, we’re on our way! Stay tuned and follow us on Facebook and Twitter.
Are you financially rated?

Yes. We’ve earned a Financial Stability Rating® of A-Exceptional, from Demotech Inc. and are reinsured by some of the industry’s largest brands.

How can I reach you guys?
You can get in touch with our team through our App and this website. Look for the ‘Help’ button on the lower right corner of this page. If you are considering Lemonade, feel free to get in touch with us using the message box on this page.
Is my information kept confidential?

We highly value and respect your privacy (see our Privacy Policy). We will not share or sell your information for marketing purposes. Note, we will share certain personal information with our partners and providers in order to run our service and to resolve an incident. For example, we may share your name, address, and phone number with a plumber in order to deal with a burst pipe.

What if I am a victim of domestic violence?
If you are a victim of domestic violence, we want you to know this: If you are a victim of domestic violence, the law gives you certain rights and protections. In New York, Section 2612 of the New York Insurance Law and Part 244 of the New York Insurance Regulations provide those rights and protections.
 

Discrimination is unlawful: An insurance carrier may not, solely because an applicant is a victim of domestic violence:

  1. Refuse to issue or renew, deny or cancel any insurance policy
  2. Demand or require a greater premium or payment from any person
Disclosure is unlawful: An insurance carrier may not disclose to the named insured the address or telephone number of a covered person or of anyone providing covered services to a covered person who has obtained an order of protection against the policyholder from a New York court. This right extends to a covered child and to the parent or guardian of the child.
 
Additionally, Part 244 establishes confidentiality protocols to guard against disclosure of the address and location of a covered person.
 
For additional assistance, please contact: New York State Domestic and Sexual Violence Hotline: (800)942-6906 (En Espanol: (800) 942-6908).In NYC, dial: (800) 621-HOPE (4673) or 311 TTY: (866) 604-5350.
 
To request confidentiality, please email a copy of the order of protection to us at help@lemonade.com
What does being a B-Corp mean?
Lemonade, Inc., the lead company in our group, is a public benefit corporation organized under Delaware law, which means that it is legally permitted to consider the interests of all our constituents, not solely the interests of our owners, in operating our business. This is one factor in all members of the Lemonade group of companies having achieved B-Corp® certification.
B-Corp® is a certification granted by the nonprofit organization B Lab to for-profit companies that meet rigorous standards of social and environmental performance, accountability, and transparency. So although Lemonade seeks to make a profit, our mission is also to be a force for public good. Insurance was created to be a social good, and Lemonade’s mission statement is to transform insurance from a necessary evil into a social good

Policy Stuff

Lemonade Insurance Company is a property and casualty insurance company that is transforming the very business model of insurance. By injecting technology and transparency into an industry that often lacks both, we’re creating an insurance experience that is fast, affordable, and hassle free. Unlike any other insurance company, we gain nothing by delaying or denying claims (we take a flat fee!), so we handle and pay as many claims instantly as possible.

How is Lemonade’s business different from that of a traditional insurance carrier?

Traditional insurance companies make money by keeping the money they don’t pay out in claims. This means whenever they pay your claim, they lose profit. This is why getting your claims paid fast and in full is sometimes so hard.

Lemonade was built differently. We take a fixed fee out of your monthly payments, pay reinsurance (and some unavoidable expenses), and use the rest for paying out claims. In essence, we treat premiums as if they were still your money and return unclaimed remainders in our annual ‘Giveback’.

Giveback is a unique feature of Lemonade, where each year leftover money is donated to causes our policyholders care about. We treat policyholders who care about the same causes as virtual groups of ‘peers’. Lemonade uses the premiums collected from each peer group to pay for the group’s claims, giving back any leftover money to their common cause. This way, our customers enjoy amazing insurance, and society gets a little push for the better. It also means that, unlike traditional insurance companies, we’re not in conflict with our customers, so we’re happy to pay claims fast and with no hassle.

How is Lemonade structured?

Lemonade is the brand name for products and services provided by one or more of the Lemonade subsidiary companies. Lemonade, Inc., a public benefit corporation organized under Delaware law, is the parent company of the group. There are three subsidiary companies under it:

  • 1.Lemonade Insurance Company (issues your policy and pays your claims)
  • 2.Lemonade Insurance Agency, LLC (acts as the sales agent for Lemonade Insurance Company and provides certain underwriting and claims services while receiving a fixed percentage of premiums for doing so)
  • 3.Lemonade, Ltd. This company provides technology, research, and development to the group
More details about Lemonade’s legal structure can be found at Legal Stuff.
How do I get Lemonade?

The full Lemonade experience is available through our iOS and Android app, and you can purchase a policy also through our website. We currently offer renters, condo, and homeowners insurance in Arizona, California, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Missouri, Nevada, New Jersey, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Virginia, Washington D.C., and Wisconsin; renters and condo insurance in Rhode Island and Washington State; and renters insurance in Arkansas and New Mexico (homeowners and condo coming soon). We’ll be rolling out additional states in the coming year.

Is Lemonade reinsured?

We are. Some of the biggest reinsurers in the industry are reinsuring Lemonade.

How are you using my premium dollars?

Glad you asked! Lemonade keeps a fixed percentage of all premiums. This pays for developing loads of cool tech, running an insurance business (including salaries, rent, and such), and hopefully making some profit! This way, our desire for profit does not conflict with our duty to pay claims.

The remainder?
Job #1  is to ensure we can always pay claims
Job #2  is to Giveback money that isn’t needed for Job #1
Here’s how that works:
Lemonade is a fully licensed and regulated insurance company, which means that we underwrite, price, and sell policies, and pay claims. You, the customer, pay us a premium, and we take a flat fee and pay your claims. We don’t want to be in conflict with you over that premium dollar, so behind the scenes, we work with what is known as reinsurance (think of it as insurance for insurance companies). We share a lot of our premium with them, and they pay most of our losses, plus they cover our flat fee. Most of our reinsurance is long-term, so we and our customers don’t need to worry about it year-to-year, like many other insurance companies.
 
Our reinsurance program may change from time to time, and it looks different today than what we started with. But our Giveback approach has not changed, and our ability to deliver on Job #1 – to ensure we always can pay claims – is as strong as it ever was.
When can I expect Lemonade to be available in my state?
If you’re living outside of Arizona, Arkansas, California, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Missouri, Nevada, New Jersey, New Mexico, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, Tennessee, Texas, Virginia, Washington D.C, Washington State or Wisconsin, we’re on our way! Stay tuned and follow us on Facebook and Twitter.
Are you financially rated?

Yes. We’ve earned a Financial Stability Rating® of A-Exceptional, from Demotech Inc. and are reinsured by some of the industry’s largest brands.

How can I reach you guys?
You can get in touch with our team through our App and this website. Look for the ‘Help’ button on the lower right corner of this page. If you are considering Lemonade, feel free to get in touch with us using the message box on this page.
Is my information kept confidential?

We highly value and respect your privacy (see our Privacy Policy). We will not share or sell your information for marketing purposes. Note, we will share certain personal information with our partners and providers in order to run our service and to resolve an incident. For example, we may share your name, address, and phone number with a plumber in order to deal with a burst pipe.

What if I am a victim of domestic violence?
If you are a victim of domestic violence, we want you to know this: If you are a victim of domestic violence, the law gives you certain rights and protections. In New York, Section 2612 of the New York Insurance Law and Part 244 of the New York Insurance Regulations provide those rights and protections.
 

Discrimination is unlawful: An insurance carrier may not, solely because an applicant is a victim of domestic violence:

  1. Refuse to issue or renew, deny or cancel any insurance policy
  2. Demand or require a greater premium or payment from any person
Disclosure is unlawful: An insurance carrier may not disclose to the named insured the address or telephone number of a covered person or of anyone providing covered services to a covered person who has obtained an order of protection against the policyholder from a New York court. This right extends to a covered child and to the parent or guardian of the child.
 
Additionally, Part 244 establishes confidentiality protocols to guard against disclosure of the address and location of a covered person.
 
For additional assistance, please contact: New York State Domestic and Sexual Violence Hotline: (800)942-6906 (En Espanol: (800) 942-6908).In NYC, dial: (800) 621-HOPE (4673) or 311 TTY: (866) 604-5350.
 
To request confidentiality, please email a copy of the order of protection to us at help@lemonade.com

Claims

Lemonade Insurance Company is a property and casualty insurance company that is transforming the very business model of insurance. By injecting technology and transparency into an industry that often lacks both, we’re creating an insurance experience that is fast, affordable, and hassle free. Unlike any other insurance company, we gain nothing by delaying or denying claims (we take a flat fee!), so we handle and pay as many claims instantly as possible.

How is Lemonade’s business different from that of a traditional insurance carrier?

Traditional insurance companies make money by keeping the money they don’t pay out in claims. This means whenever they pay your claim, they lose profit. This is why getting your claims paid fast and in full is sometimes so hard.

Lemonade was built differently. We take a fixed fee out of your monthly payments, pay reinsurance (and some unavoidable expenses), and use the rest for paying out claims. In essence, we treat premiums as if they were still your money and return unclaimed remainders in our annual ‘Giveback’.

Giveback is a unique feature of Lemonade, where each year leftover money is donated to causes our policyholders care about. We treat policyholders who care about the same causes as virtual groups of ‘peers’. Lemonade uses the premiums collected from each peer group to pay for the group’s claims, giving back any leftover money to their common cause. This way, our customers enjoy amazing insurance, and society gets a little push for the better. It also means that, unlike traditional insurance companies, we’re not in conflict with our customers, so we’re happy to pay claims fast and with no hassle.

How is Lemonade structured?

Lemonade is the brand name for products and services provided by one or more of the Lemonade subsidiary companies. Lemonade, Inc., a public benefit corporation organized under Delaware law, is the parent company of the group. There are three subsidiary companies under it:

  • 1.Lemonade Insurance Company (issues your policy and pays your claims)
  • 2.Lemonade Insurance Agency, LLC (acts as the sales agent for Lemonade Insurance Company and provides certain underwriting and claims services while receiving a fixed percentage of premiums for doing so)
  • 3.Lemonade, Ltd. This company provides technology, research, and development to the group
More details about Lemonade’s legal structure can be found at Legal Stuff.
How do I get Lemonade?

The full Lemonade experience is available through our iOS and Android app, and you can purchase a policy also through our website. We currently offer renters, condo, and homeowners insurance in Arizona, California, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Missouri, Nevada, New Jersey, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Virginia, Washington D.C., and Wisconsin; renters and condo insurance in Rhode Island and Washington State; and renters insurance in Arkansas and New Mexico (homeowners and condo coming soon). We’ll be rolling out additional states in the coming year.

Is Lemonade reinsured?

We are. Some of the biggest reinsurers in the industry are reinsuring Lemonade.

Insurance, Explained

Lemonade Insurance Company is a property and casualty insurance company that is transforming the very business model of insurance. By injecting technology and transparency into an industry that often lacks both, we’re creating an insurance experience that is fast, affordable, and hassle free. Unlike any other insurance company, we gain nothing by delaying or denying claims (we take a flat fee!), so we handle and pay as many claims instantly as possible.

How is Lemonade’s business different from that of a traditional insurance carrier?

Traditional insurance companies make money by keeping the money they don’t pay out in claims. This means whenever they pay your claim, they lose profit. This is why getting your claims paid fast and in full is sometimes so hard.

Lemonade was built differently. We take a fixed fee out of your monthly payments, pay reinsurance (and some unavoidable expenses), and use the rest for paying out claims. In essence, we treat premiums as if they were still your money and return unclaimed remainders in our annual ‘Giveback’.

Giveback is a unique feature of Lemonade, where each year leftover money is donated to causes our policyholders care about. We treat policyholders who care about the same causes as virtual groups of ‘peers’. Lemonade uses the premiums collected from each peer group to pay for the group’s claims, giving back any leftover money to their common cause. This way, our customers enjoy amazing insurance, and society gets a little push for the better. It also means that, unlike traditional insurance companies, we’re not in conflict with our customers, so we’re happy to pay claims fast and with no hassle.

How is Lemonade structured?

Lemonade is the brand name for products and services provided by one or more of the Lemonade subsidiary companies. Lemonade, Inc., a public benefit corporation organized under Delaware law, is the parent company of the group. There are three subsidiary companies under it:

  • 1.Lemonade Insurance Company (issues your policy and pays your claims)
  • 2.Lemonade Insurance Agency, LLC (acts as the sales agent for Lemonade Insurance Company and provides certain underwriting and claims services while receiving a fixed percentage of premiums for doing so)
  • 3.Lemonade, Ltd. This company provides technology, research, and development to the group
More details about Lemonade’s legal structure can be found at Legal Stuff.

Extra Coverage

Lemonade Insurance Company is a property and casualty insurance company that is transforming the very business model of insurance. By injecting technology and transparency into an industry that often lacks both, we’re creating an insurance experience that is fast, affordable, and hassle free. Unlike any other insurance company, we gain nothing by delaying or denying claims (we take a flat fee!), so we handle and pay as many claims instantly as possible.

How is Lemonade’s business different from that of a traditional insurance carrier?

Traditional insurance companies make money by keeping the money they don’t pay out in claims. This means whenever they pay your claim, they lose profit. This is why getting your claims paid fast and in full is sometimes so hard.

Lemonade was built differently. We take a fixed fee out of your monthly payments, pay reinsurance (and some unavoidable expenses), and use the rest for paying out claims. In essence, we treat premiums as if they were still your money and return unclaimed remainders in our annual ‘Giveback’.

Giveback is a unique feature of Lemonade, where each year leftover money is donated to causes our policyholders care about. We treat policyholders who care about the same causes as virtual groups of ‘peers’. Lemonade uses the premiums collected from each peer group to pay for the group’s claims, giving back any leftover money to their common cause. This way, our customers enjoy amazing insurance, and society gets a little push for the better. It also means that, unlike traditional insurance companies, we’re not in conflict with our customers, so we’re happy to pay claims fast and with no hassle.

Giveback and community

Lemonade Insurance Company is a property and casualty insurance company that is transforming the very business model of insurance. By injecting technology and transparency into an industry that often lacks both, we’re creating an insurance experience that is fast, affordable, and hassle free. Unlike any other insurance company, we gain nothing by delaying or denying claims (we take a flat fee!), so we handle and pay as many claims instantly as possible.

How is Lemonade’s business different from that of a traditional insurance carrier?

Traditional insurance companies make money by keeping the money they don’t pay out in claims. This means whenever they pay your claim, they lose profit. This is why getting your claims paid fast and in full is sometimes so hard.

Lemonade was built differently. We take a fixed fee out of your monthly payments, pay reinsurance (and some unavoidable expenses), and use the rest for paying out claims. In essence, we treat premiums as if they were still your money and return unclaimed remainders in our annual ‘Giveback’.

Giveback is a unique feature of Lemonade, where each year leftover money is donated to causes our policyholders care about. We treat policyholders who care about the same causes as virtual groups of ‘peers’. Lemonade uses the premiums collected from each peer group to pay for the group’s claims, giving back any leftover money to their common cause. This way, our customers enjoy amazing insurance, and society gets a little push for the better. It also means that, unlike traditional insurance companies, we’re not in conflict with our customers, so we’re happy to pay claims fast and with no hassle.