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.
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
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.
We are. Some of the biggest reinsurers in the industry are reinsuring Lemonade.
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.
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.
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.
Discrimination is unlawful: An insurance carrier may not, solely because an applicant is a victim of domestic violence:
- Refuse to issue or renew, deny or cancel any insurance policy
- Demand or require a greater premium or payment from any person
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.
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
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.
We are. Some of the biggest reinsurers in the industry are reinsuring Lemonade.
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.
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.
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.
Discrimination is unlawful: An insurance carrier may not, solely because an applicant is a victim of domestic violence:
- Refuse to issue or renew, deny or cancel any insurance policy
- Demand or require a greater premium or payment from any person
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.
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
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.
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.
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
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.