Coverage & FAQs

Breaking down the ins and outs of renters insurance.

Renters insurance may cover more than you think.

Hint: Renters insurance costs much less than you think.

Five Lemonade renters share their coverage tips and tricks.

Your policy protects your own stuff but typically not any damage to your landlord’s property.

It could come in handy for some car-related property damages.

You've got questions, we've got answers.

Generally, you'll be paying out of pocket.

It depends on what caused the fungus to grow.

Here’s what you need to know about water damage and your renters insurance coverage.

Your policy may cover spoiled food, depending on the cause.

Your policy will protect your TV against many types of damage, but not all.

Here's how your policy could help if you need temporary housing.

Splitting the chores is one thing, but what about splitting insurance?

Everything you need to know about renters insurance and fire.

A win-win for tenants and landlords alike

Your fur fam will thank you.

Why do you need renters insurance, you ask? Well, look no further...

Unpacking the essentials about self-storage and your renters policy.

Because no one expects you to have it all figured it out.

Here's why you might actually need renters insurance.

Also known as Appliance Coverage, this endorsement helps cover electronics and appliances that you own.

Personal property is insurance lingo for “your stuff”.

Contents insurance, or personal property insurance, is coverage for “your stuff” (bikes, laptops, TVs, etc.)

Open perils is coverage for damages to your property - if something’s not explicitly excluded, it’s covered.

Named perils are specific damages or losses listed in your policy if any of these ruin your property, you’ll be covered.

Insurable interest means having a financial stake in an asset to the extent that if it was damaged or destroyed, you’d suffer a loss.

An interested party on a renters insurance policy is a third party that gets up-to-date info any time you change or cancel your policy.

HO4 insurance is another word for "renters insurance", which covers your personal belongings—and a whole lot more.

An additional insured is a person you add to your policy because they live with you.

Windstorms in insurance are considered a named peril, or something bad that could happen to your property that your renters or home insurance <em>will cover</em>.<script type="application/ld+json">{ "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [{ "@type": "Question", "name": "What is Windstorm?", "acceptedAnswer": { "@type": "Answer", "text": "Windstorms in insurance are considered a named peril, or something bad that could happen to your property that your renters or home insurance will cover." } },{ "@type": "Question", "name": "How are windstorm deductibles calculated?", "acceptedAnswer": { "@type": "Answer", "text": "In general, there are two ways insurers calculate how much homeowners will get on a windstorm claim." } }]}</script>

Signing up is much easier and simpler than you think.

Named insured are everyone covered outright under an insurance policy.

Recoverable depreciation is the amount of decreased value you can claim on your property in an insurance policy. 

The holidays rarely go off without a hitch, so learn about when your policy can help.

Proof of insurance is a document that shows your landlord, lender, etc that you actually have renters or home insurance.

Subrogation is when your insurer steps in to reclaim money from a third party who caused damages/losses to you or your property.

An uninsurable peril is an event or situation your insurance policy won’t cover if it results in damages or losses to your personal property.

Vandalism refers to intentional damage caused by someone else to your place or your stuff, without your consent.

This type of insurance will protect things you own (like your home or your belongings) and also includes liability coverage.

Another word for an accident - in insurance, occurrence refers to bodily injury or property damage that happens when your policy is active.

Replacement cost is like the “Amazon” price for valuing stolen or damaged stuff.

Actual cash value is how much an item would go for today (same make and model), minus depreciation.

Bodily injury (and bodily injury claims) is a term describing physical harm to others caused by you.

Date of issue in insurance refers to the actual date on which your policy was drawn up (but not when your insurance becomes active).

An effective date refers to the exact date and time when your insurance policy will officially become active.

This coverage will help with temporary living expenses if your place becomes uninhabitable.

Personal liability coverage financially protects you against accidental bodily injury or property damage to other people.

Limit of liability refers to the max amount of money your insurer is on the hook for if something bad happens to you, your stuff, or your property.

A moral hazard is a situation in which a person with insurance takes greater risks than they normally would, knowing their insurer will have to pay.

Understand your coverage before, during, and after the storm

Your insurance score is a bit different than your credit score. We'll help you understand the difference, and why it matters.

Jump around, jump around—but will your quote be turned down?

Scheduled property coverage (or Extra Coverage, as we call it at Lemonade) requires some simple documentation.

Know your coverage, before the storm rolls in.

Class is in session, get the coverage you need.

Is it on you, or your landlord?

Here's everything you need to know about renters insurance and theft.

Your cheat sheet to making your insurance policy work for you.

And why you should include it as part of your lease!

Your go-to guide for who's covered under your household insurance policy.

Make a list, check it twice.

Lemonade's no stress, no fuss guide to theft claims.

Negligence is when someone covered by your policy acts in a reckless or unreasonable way, which results in damages or losses.

Your guide to whose policy covers what.

Exploring how insurance deductibles work for renters and homeowners.

Here’s what to expect when it comes time to renew your policy.

It’s a simplified part of your insurance policy packet