Renters insurance that keeps your stuff safe

Renter tested. Landlord approved. Starting from $5/mo.
Check our prices
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Most loved renters insurance in America

Lemonade has earned 4.9 stars in the App store, and is also top-rated by Supermoney, Clearsurance, and others

goforbrent

Brent

goforbrent

@Lemonade_Inc was the simplest and easiest insurance I’ve ever purchased, “old” insurance companies need to step into the current century!!! 👏 👏 👏

Valeriad90

Valeria Delgado

Valeriad90

Why doesn’t everyone use @Lemonade_Inc insurance? I just switched and slashed my costs by $110 #Winning

stephen_huber

Stephen Huber

stephen_huber

Wow. Just filed a claim with @Lemonade_Inc and got paid in literally 7 seconds. If you rent or own a home, you NEED to get this insurance. #insurance #lemonade #NotAnAd

MariaSalamankaM

Maria Salamanka

MariaSalamankaM

Always disappointed in how much insurance will fight against customer in a claim. Just had my first good experience with filing. Unbelievably quick and solid customer experience with @Lemonade_Inc.

timesnewrohan

Rohan Gandhi

timesnewrohan

@Lemonade_Inc I just bought home insurance from you and I’m pretty sure it was easier than ordering pizza. Awesome job on the experience.

AWaking_Dream

AWaking Dream

AWaking_Dream

Once every 2-3 years, I stumble across a truly outstanding app / business which nails everything. UX, pricing, customer service - @Lemonade_Inc has it all and I love it: www.lemonade.com

rashiq

Rashiq in SF

rashiq

@Lemonade_Inc wow this was hands down the best insurance experience ever. holy shit I love your app.

jjackyliang

jacky

jjackyliang

@Lemonade_Inc Truly lovely onboarding + customer support for a normally super frustrating service.

itsandrewhorn

Andrew Horn

itsandrewhorn

WOW - what an amazing company. Check out @Lemonade_Inc if you need homeowner or rental insurance. Have been loving the process so far.

goforbrent

Brent

goforbrent

@Lemonade_Inc was the simplest and easiest insurance I’ve ever purchased, “old” insurance companies need to step into the current century!!! 👏 👏 👏

Valeriad90

Valeria Delgado

Valeriad90

Why doesn’t everyone use @Lemonade_Inc insurance? I just switched and slashed my costs by $110 #Winning

stephen_huber

Stephen Huber

stephen_huber

Wow. Just filed a claim with @Lemonade_Inc and got paid in literally 7 seconds. If you rent or own a home, you NEED to get this insurance. #insurance #lemonade #NotAnAd

MariaSalamankaM

Maria Salamanka

MariaSalamankaM

Always disappointed in how much insurance will fight against customer in a claim. Just had my first good experience with filing. Unbelievably quick and solid customer experience with @Lemonade_Inc.

timesnewrohan

Rohan Gandhi

timesnewrohan

@Lemonade_Inc I just bought home insurance from you and I’m pretty sure it was easier than ordering pizza. Awesome job on the experience.

AWaking_Dream

AWaking Dream

AWaking_Dream

Once every 2-3 years, I stumble across a truly outstanding app / business which nails everything. UX, pricing, customer service - @Lemonade_Inc has it all and I love it: www.lemonade.com

rashiq

Rashiq in SF

rashiq

@Lemonade_Inc wow this was hands down the best insurance experience ever. holy shit I love your app.

jjackyliang

jacky

jjackyliang

@Lemonade_Inc Truly lovely onboarding + customer support for a normally super frustrating service.

itsandrewhorn

Andrew Horn

itsandrewhorn

WOW - what an amazing company. Check out @Lemonade_Inc if you need homeowner or rental insurance. Have been loving the process so far.

Covered in as little as 90 seconds

Our AI can activate your policy and protect your stuff instantly.

What does renters insurance actually cover?

It protects your personal property and helps cover personal liability costs. Lemonade Renters has your back when bad luck strikes.

If someone swipes your bike

Crime and vandalism coverage pays for your stuff if it’s damaged or stolen.

If a water leak ruins your stuff

Water damage coverage protects you if your electronics get drenched, or your pipes cause a mess.

If your stuff goes up in flames

Fire and smoke protection has you covered if things get a little heated

Plus, protect yourself against damages from someone else’s accidents if they happen in your home.

If someone sues you for damages

Liability coverage protects against lawsuits due to accidents in your home. We’ll hire a lawyer to defend you, and cover the costs.

If someone gets hurt in your home

We'll help pay medical expenses if someone has an accident or is injured while at your home.

Claims paid at record speed

No paperwork. No hassle. No waiting.

Good to know...

Renters insurance can be confusing, so we worked hard to make it simple. If you still have questions, you can check out renters insurance explained

What is renters insurance?

Renters insurance is a safeguard for tenants, offering you financial help if certain unfortunate things happen to you or your stuff. Think of your policy like a safety net that’ll kick in and help if there’s loss or damage from or due to designated “perils,” which include theft, fire, vandalism, certain types of water damage, and more, specifically listed in your policy.

What does Lemonade Renters insurance cover?

Your policy covers your personal property against theft and damage, plus legal claims for damage or injury you accidentally cause others. Also, if your home becomes unlivable due to certain types of damage we’ll help cover the costs of temporary living arrangements. Learn more about what's covered.

Does Lemonade offer renters insurance near me?

We're glad you asked! Lemonade's renters insurance is available in 28 states plus Washington, D.C., and we're still growing. Check out the availability of our renters insurance and other products.

What if something I own gets stolen outside of my home?

You're still covered! Your Lemonade renters policy covers your personal property anywhere in the world. Read all about theft coverage here.

What if I want to cancel my policy?

You can cancel your policy at any time via the Lemonade app or website, and you’ll receive a refund for the remaining period you’ve already paid for. No hard feelings!

How much does renters insurance cost?

Our affordable renters insurance coverage starts at $5 per month, but your policy price (aka the ‘premium’) will be affected by the coverage amounts you choose, among other factors. You can get your online renters insurance quote here.

How do I file a claim?

Very easily: just open the and hit the ‘Claim’ button. We’ll guide you through the process from there.

I already have a policy with another carrier - can I switch?

Sure you can! Once you sign up with us, we’ll send your previous insurer a formal notice. Once they get it, they should cancel the remainder of your policy term and refund you for any outstanding payments.

How do I add an interested party?

All you need to do is tap ‘Add-ons’ under your policy page in the Lemonade app or your policy on your account page here and select ‘Interested Party’. Fill in their name, address, and email and you’re all set!

What is Extra Coverage?

Extra Coverage offers enhanced protection for jewelry, fine art, cameras, bicycles, and musical instruments, with deductible-free claims and coverage in cases of accidental loss and damage. You can apply for Extra Coverage when you sign up for a policy, or at any time after you’ve activated your policy.

What bundles and discounts does Lemonade Renters offer?

In addition to renters insurance, Lemonade offers homeowners, car, pet, and term life policies. You can unlock an automatic bundle discount with any combination, like Car and Renters, so it’s both a great way to consolidate your insurance needs and an opportunity to save. You could also score a discount on your Renters policy if your place includes protective devices, like deadbolts, smoke alarms, and burglar alarms.

Who needs renters insurance?

All renters should get renters insurance, since it offers vital financial protection at a very low cost. Your landlord or property manager may require renters insurance , and getting a renters policy can save you thousands for damages caused by things like fires, theft, vandalism, burst pipes, windstorms, and more.

Didn't find what you were looking for?

Starting from $5/mo.
(not a typo)

Safeguard all your stuff with just a few taps.
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Protect your things, plus support what matters to you.

Lemonade is a public benefit corporation. We take a flat fee up front before we pay claims. Then, we donate what’s left to meaningful causes our customers choose.