Get QuoteSecure site · Updated July 2026
- Avg. monthly premium
- $92
- Coverage types
- Home, Renters, Condo, Pet
- Bundling discount
- Up to 15%
- Availability
- 37 states
Why it stands out
Lemonade highlights
- Quote and bind a policy in under three minutes
- AI claims bot pays approved simple claims in seconds
- Giveback program donates unused premium to your chosen cause
- Bundle renters, home, pet, and life inside one app
The verdict at a glance
Pros and cons
Pros
- Fastest quote and claim experience in the category
- No pushy agents or paperwork for routine coverage
- Transparent flat fee instead of a hidden profit motive
Cons
- Not available in every state yet
- Complex or high-value homes get referred to a human underwriter
- Thin track record on large, contested claims
Our full review
Our take on Lemonade
Lemonade rebuilt home insurance around an app, so a policy binds in about ninety seconds and simple claims pay in minutes without a phone call. Its flat-fee model takes a fixed cut and gives leftover premium to charity, which sidesteps the incentive most insurers have to deny you.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on Lemonade’s own site before you apply.
The alternatives
How Lemonade compares
Other top-rated insurers in Home Insurance. Compare the numbers side by side before you decide.
| # | Provider | Rating | Avg. monthly premium | Best for | |
|---|---|---|---|---|---|
| 1 | State Farm | $118 | Owners who want an agent down the street | See Rates | |
| 2 | Allstate | $126 | Buyers who stack every discount available | See Rates | |
| 3 | Amica | $134 | Owners who prize claims-handling quality | Get Quote | |
| 4 | USAA | $108 | Military members and their families | See Rates |
- State Farm4.7Best for Owners who want an agent down the street
- Allstate4.5Best for Buyers who stack every discount available
- Amica4.4Best for Owners who prize claims-handling quality
- USAA4.3Best for Military members and their families