Lemonade Insurance
Lemonade is an app based insurer. In Florida, Lemonade Insurance Company of New York sells renters, home, pet and car policies. By count, most are renters.
You can find it on our list of Florida home insurance companies. It is also on our list of Florida auto insurance companies. Its Florida company code is 43127 and its NAIC number is 16023.
Taking new policiesChecked Oct 19 Renters, home and auto
Is Lemonade leaving Florida? No. Lemonade lists Florida for new renters, homeowners, pet and car policies. It launched Lemonade Car statewide in Florida on Aug 26, 2026. As of Oct 19, 2026. Source: lemonade.com.
New policies
Taking new policies
As of Oct 19, 2026
Policies in force
85,497
Jul 31, 2026, OIR
Latest rate change
Not available
No rate change on file
Financial strength
A (Exceptional)
From Demotech, as of Oct 20, 2026
Complaints
4.71
NAIC index, 2025. 1.00 is average.
Near you
Can I get a policy?
We're still gathering this company's rules. Call and we'll check for you.
Did your Lemonade renewal go up?
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What's changed recently
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Demotech's company page shows Lemonade Insurance Company at A (Exceptional). The rating was affirmed Sept 14, 2026. Its reinsurance use is 50% to 60% of premium.
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Lemonade Car launches in Florida
Lemonade switched on car insurance across Florida. It said people in Florida with its renters, homeowners or pet policies can bundle. It said its car states now cover close to half of the U.S. car market.
Rate history
No rate filings tracked yet.
7 years in Florida
In Florida since 2019. Has paid claims through 7 hurricanes.
Compare Lemonade side by side
| Lemonade | State Farm | Universal Property | |
|---|---|---|---|
| New policies | Taking new policies Checked Oct 19, 2026 | Taking new policies Checked Oct 19, 2026 | Taking new policies Checked Oct 19, 2026 |
| Florida policies | 85,497 Florida OIR, Jul 31, 2026 | 654,641 Florida OIR, Jul 31, 2026 | 594,182 Florida OIR, Jul 31, 2026 |
| Latest rate change | Not available | +0.8% Home, from Jan 15, 2026 | −5.1% Home, from Oct 16, 2025 |
| Complaint index | 4.71 NAIC, 2025, nationwide, homeowners. 1.00 is average. | 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. | 2.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. |
| Financial rating | A (Exceptional) Demotech, Oct 20, 2026 | A- (Excellent) AM Best | A Demotech, Oct 7, 2026 |
| In Florida since | 2019 | 1934 | 1997 |
People also compare with
- State Farm Taking new policies
State Farm sells home, condo, renters and auto policies in Florida. It uses its own agents. Home policies come from State Farm Florida, a Florida only firm.
- Universal Property Taking new policies
Universal Property is a Fort Lauderdale company. It has insured Florida homes since 1997. It is now the second largest home insurer in Florida, sold by agents.
- Tower Hill Taking new policies
Tower Hill is a Gainesville insurer. It has covered Florida homes since 1972. New policies come from the Tower Hill Insurance Exchange. Its members own it.
- American Integrity Taking new policies
American Integrity is a Tampa home insurer started in 2006. Now the 5th largest home insurer in Florida, with 423,783 policies on July 31, 2026, per OIR.
- Assurant Taking new policies
Assurant group insurers in Florida. They sell renters policies through landlords. They sell mobile home cover. And they sell lender placed hazard insurance.
Questions people ask about Lemonade
Is Lemonade leaving Florida?No.
Lemonade lists Florida as open for new renters, homeowners, pet and car policies. It added car insurance for all of Florida on August 26, 2026. No pause or pullback notice was found as of October 10, 2026.
Source: Lemonade Where We're Live page, read October 10, 2026; Lemonade press release, August 26, 2026
What is the Lemonade claims phone number?Lemonade does not publish a claims phone line.
You file a claim in the Lemonade app by tapping File a Claim and describing what happened. The only number on its site is 1-844-733-8666, shown in the page footer with no label or hours.
Source: Lemonade claims page and site footer, read October 10, 2026
Is Lemonade a good company?Public data only: Lemonade Insurance Company has a Demotech Financial Stability Rating of A (Exceptional).
It was affirmed Sept 14, 2026. It is an admitted insurer licensed in 50 states. Its parent, Lemonade, Inc., trades on the NYSE. The parent files public financials.
Source: Demotech company page for NAIC 16023, read October 10, 2026; Lemonade 10-K for 2025
Who owns Lemonade?Lemonade, Inc. owns Lemonade Insurance Company.
The parent is a Delaware public benefit corporation. Its stock trades on the NYSE as LMND. It owns two more firms as well. One is Metromile Insurance Company. The other is Lemonade Insurance Agency, LLC.
Is Lemonade admitted in Florida?Yes, it is.
Lemonade Insurance Company is a New York domiciled insurer. It is admitted and licensed in 50 states and DC. Its Florida renters, home and car policies are admitted. So they fall under the Florida Insurance Guaranty Association.
Is Lemonade the same as Metromile?They are sister companies.
Both are owned by Lemonade, Inc. Lemonade Insurance Company issues the policies sold under the Lemonade name. Metromile Insurance Company is a car insurer. Lemonade bought it in 2022. The Lemonade site does not say which company backs its car policies in Florida.
Source: Lemonade legal page and car page, read October 10, 2026
Lemonade reviews and complaints: what the public data shows
Lemonade rating
- Complaints
- 4.71 on the NAIC complaint index 1.00 is average. Higher means more complaints for its size. NAIC, 2025, nationwide, homeowners. As of Oct 16, 2026.
- Years in Florida
- Since 2019 (7 years)
- Regulatory actions
- Not available
No star ratings and no user reviews, only public data.