1(self.webpackChunk_N_E=self.webpackChunk_N_E||[]).push([[7746],{50008:function(e,o,n){(window.__NEXT_P=window.__NEXT_P||[]).push(["/faq",function(){return n(7637)}])},7637:function(e,o,n){"use strict";n.r(o),n.d(o,{default:function(){return h}});var a=n(85893),r=n(64113),i=JSON.parse('{"desktopMenu":[{"category":"General","links":[{"name":"About us","url":"general","type":"Link","_raw":{}},{"name":"Getting Lemonade","url":"how-do-i-get-lemonade-insurance","type":"Link","_raw":{}},{"name":"Lemonade Product","url":"what-kind-of-policies-does-lemonade-offer","type":"Link","_raw":{}},{"name":"Reinsurance","url":"is-lemonade-reinsured","type":"Link","_raw":{}},{"name":"Availability","url":"when-can-i-expect-lemonade-to-be-available-in-my-state","type":"Link","_raw":{}},{"name":"Financial rating","url":"are-you-financially-rated","type":"Link","_raw":{}},{"name":"Contacting us","url":"how-can-i-reach-you","type":"Link","_raw":{}},{"name":"Confidentiality","url":"how-do-you-keep-my-information-private","type":"Link","_raw":{}},{"name":"Whatâs a B Corp?","url":"what-does-being-a-public-benefit-corporation-and-b-corp-mean","type":"Link","_raw":{}}],"type":"Category","_raw":{}},{"category":"Homeowners Insurance","links":[{"name":"Policy","url":"homeowners-insurance","type":"Link","_raw":{}},{"name":"Coverage","url":"coverage","type":"Link","_raw":{}},{"name":"Extra Coverage","url":"extra-coverage","type":"Link","_raw":{}},{"name":"Payments","url":"payments","type":"Link","_raw":{}},{"name":"Availability","url":"availability","type":"Link","_raw":{}},{"name":"Switching to Lemonade","url":"switching-to-lemonade","type":"Link","_raw":{}},{"name":"Claims","url":"claims","type":"Link","_raw":{}}],"type":"Category","_raw":{}},{"category":"Renters Insurance","links":[{"name":"Policy","url":"renters-insurance","type":"Link","_raw":{}},{"name":"Coverage","url":"coverage-1","type":"Link","_raw":{}},{"name":"Extra Coverage","url":"extra-coverage-1","type":"Link","_raw":{}},{"name":"Payments","url":"payments-2","type":"Link","_raw":{}},{"name":"Availability","url":"availability-1","type":"Link","_raw":{}},{"name":"Switching to Lemonade","url":"switching","type":"Link","_raw":{}},{"name":"Claims","url":"claims-1","type":"Link","_raw":{}}],"type":"Category","_raw":{}},{"category":"Car Insurance","links":[{"name":"Policy","url":"car-insurance","type":"Link","_raw":{}},{"name":"Coverage","url":"coverage-2","type":"Link","_raw":{}},{"name":"Payments","url":"payments-2","type":"Link","_raw":{}},{"name":"Availability","url":"availability-2","type":"Link","_raw":{}},{"name":"Claims","url":"claims-2","type":"Link","_raw":{}},{"name":"Environmentalism","url":"environmentalism","type":"Link","_raw":{}}],"type":"Category","_raw":{}},{"category":"Pet Health Insurance","links":[{"name":"Policy","url":"pet-health-insurance","type":"Link","_raw":{}},{"name":"Coverage","url":"coverage-3","type":"Link","_raw":{}},{"name":"Accident and Illness","url":"policy-add-ons","type":"Link","_raw":{}},{"name":"Preventive and Wellness","url":"whats-included-in-the-preventative-preventative-and-puppykitten-preventative-package-for-pet-health-insurance","type":"Link","_raw":{}},{"name":"Payments","url":"payments-3","type":"Link","_raw":{}},{"name":"Availability","url":"availability-3","type":"Link","_raw":{}},{"name":"Claims","url":"claims-3","type":"Link","_raw":{}}],"type":"Category","_raw":{}},{"category":"Life Insurance","links":[{"name":"Policy","url":"life-insurance","type":"Link","_raw":{}},{"name":"Coverage","url":"coverage-4","type":"Link","_raw":{}},{"name":"Trust","url":"trust","type":"Link","_raw":{}},{"name":"Availability","url":"availability-4","type":"Link","_raw":{}},{"name":"Switching","url":"switching-1","type":"Link","_raw":{}}],"type":"Category","_raw":{}},{"category":"Giveback","links":[{"name":"Giveback","url":"giveback","type":"Link","_raw":{}},{"name":"Donation period","url":"when-do-you-pay-the-giveback","type":"Link","_raw":{}},{"name":"Causes","url":"how-do-you-choose-which-nonprofits-to-give-back-to","type":"Link","_raw":{}},{"name":"Changing causes","url":"how-often-can-i-change-causes","type":"Link","_raw":{}},{"name":"Suggesting causes","url":"how-can-i-add-my-cause-to-your-giveback-program","type":"Link","_raw":{}},{"name":"Cancellations","url":"what-happens-to-my-giveback-if-i-cancel-my-policy","type":"Link","_raw":{}}],"type":"Category","_raw":{}}],"mobileMenu":[{"name":"General","url":"general","type":"Link","_raw":{}},{"name":"Homeowners Insurance","url":"homeowners-insurance","type":"Link","_raw":{}}
1,{"name":"Renters Insurance","url":"renters-insurance","type":"Link","_raw":{}},{"name":"Car Insurance","url":"car-insurance","type":"Link","_raw":{}},{"name":"Pet Health Insurance","url":"pet-health-insurance","type":"Link","_raw":{}},{"name":"Life Insurance","url":"life-insurance","type":"Link","_raw":{}},{"name":"Giveback","url":"giveback","type":"Link","_raw":{}}],"body":{"raw":"\\n# General\\n\\n## About Lemonade\\n\\nWeâre a full-stack insurance carrier built to provide the best, most delightful, and most transparent insurance experience in the world.\\n\\nWe offer hassle-free [renters](https://www.lemonade.com/renters) (contents), [homeowners](https://www.lemonade.com/homeowners), [car](https://www.lemonade.com/car), [pet](https://www.lemonade.com/pet), and [life](https://www.lemonade.com/life) products in the US and Europe. Lemonade is a fully licensed and regulated insurance company, which means that we underwrite, price, and sell policies, as well as handle and pay claims.\\n\\nWeâre a public benefit corporation and certified B-Corp, so doing good is built into everything we do. Through our Giveback program, part of what you pay supports causes you choose when you buy your first policy.\\n\\n## How is Lemonadeâs business model different from that of a traditional insurance carrier? [schema]\\n\\nTraditional insurance companies generate profits from whatever premium is left after paying claims and expenses. This insurance business model could create conflict between the insurance company and its customers.\\n\\nLemonade was built differently.\\n\\nFunds not needed for claims are directed to the nonprofits our customers support (this is called the Lemonade Giveback).\\n\\nThis way, our customers enjoy amazing insurance, and society gets a little push for the better. It also means that we\'re happy to pay claims fast and with no hassle.\\n\\nNote: The Lemonade Giveback program doesn\'t apply to the life insurance product.\\n\\n## How are you using my premium dollars?\\n\\nGlad you asked! Lemonade keeps a fixed percentage from the premiums we collect. This pays for developing loads of cool tech, running an insurance company (including salaries, rent, and such), and hopefully making some profit! Because itâs a fixed fee, our desire for profit does not conflict with our duty to pay claims.\\n\\nHereâs how that works:\\n\\nLemonade is a fully licensed and regulated insurance company, which means that we underwrite, price, and sell policies, as well as handle and pay claims.\\n\\nWe take a flat fee from all premiums paid by our customers, and use the rest of that money to run our business, handle claims, and pay for reinsurance. If thereâs money left, we donate it to causes. So unlike traditional insurance companies, weâre not incentivized to deny claims because any remaining funds will never end up in our pockets.\\n\\n## How is Lemonade structured?\\n\\nLemonade, Inc., a publicly traded company, is listed on the New York Stock Exchange, and is a public benefit corporation organized under Delaware law.\\n\\nLemonade Inc. is the parent company for a group of subsidiary companies.\xa0 More about the group structure can be found in our [Legal Stuff section.](https://www.lemonade.com/legal-stuff)\\n\\n## How do I get Lemonade insurance?\\n\\nLemonade policies are primarily sold online through our website or our [mobile apps](https://www.lemonade.com/download). Customers are required to download the app in order to manage their policy, get help from our team, and file claims.\\n\\n## What kind of policies does Lemonade offer? [schema]\\n\\nWe currently offer [renters](https://www.lemonade.com/renters), [condo](https://www.lemonade.com/condo), [co-op](https://www.lemonade.com/homeowners/explained/coop-insurance/), [homeowners](https://www.lemonade.com/homeowners), [car](https://www.lemonade.com/car), [life](https://www.lemonade.com/life), and [pet health insurance](https://www.lemonade.com/pet).\\n\\nWeâre constantly working on new and exciting products and features. We recommend following us on [Twitter](https://twitter.com/lemonade_inc) to get updates about new stuff as it becomes available.\\n\\n## Is Lemonade reinsured?\\n\\nWe are. Some of the biggest reinsurers in the world are reinsuring Lemonade. Names like Swiss Re, Munich Re, and Hannover Re are just part of the list.\\n\\n## When can I expect Lemonade to be available in my state?\\n\\nLemonade is already available in Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin. For everyone else - weâre coming soon, so stay tuned [on X](https://twitter.com/lemonade_inc) [or sign up here](https://www.lemonade.com/lemonade-goes-global) for updates.\\n\\n## Are you financially rated?\\n\\nYes. We\'ve earned a Financial Stability Rating\xae of A-Exceptional from Demotech Inc., and are reinsured by some of the industryâs largest brands.\\n\\n## How can I reach you?\\n\\nIf you have a Lemonade policy or have had one in the past and [need help now, click here](https://me.lemonade.com/?open_cxai=true) to get started. Otherwise, you can always get in touch with our team through our app or website.\\n\\nLemonade has a network of emergency response and repair partners enabling us to respond to just about any incident at just about any time.\\n\\nFor emergencie
1s relating to your car, home, and property where you don\'t have access to our app or website, you may call us at (844) 733-8666.\\n\\nTo reach Lemonade about a car claim via email you may contact us at [email protected]\\n\\n## How do you keep my information private?\\n\\nWe highly value and respect your privacy ([see our Privacy Policy](https://www.lemonade.com/privacy-policy)). We will never sell your information, or share it with anyone except for the purposes of providing our services and promoting our business.\\n\\n## What does being a public benefit corporation and B-Corp mean?\\n\\nB Corp\xae is a certification granted to for-profit companies that meet rigorous standards of social and environmental performance, accountability, and transparency. Although Lemonade seeks to make a profit, our mission is also to be a force for public good. Lemonade Inc. is a [public benefit corporation](https://www.lemonade.com/blog/worlds-public-benefit-insurance-company/) organized under Delaware law, which means that it is legally permitted to consider the interests of all our constituents, not solely the interests of our owners, in operating our business.\\n\\n# Homeowners Insurance\\n\\n## Policy\\n\\n## How do you calculate the cost of a Lemonade Homeowners policy? [schema]\\n\\nHomeowner premiums are calculated individually for each [policyholder](https://www.lemonade.com/insuropedia/dictionary/policyholder/) and are based on a number of different factors, including the value, condition, and construction quality of your home, as well as your insurance history, previous claims and more.\\n\\nHere are things that could affect your homeowners price:\\n\\n- The more coverage you add the higher the premium gets\\n- The higher deductible you choose, the lower the price will get\\n- Better maintained homes and low risk areas cost less to insure\\n- Insurance history thatâs full of claims will increase your price, and in some cases even prevent us from being able to cover you\\n- Protective devices such as deadbolts, burglar alarms, and smoke alarms will get you a discount\\n- Bundling with other Lemonade products, such as pet insurance, will get you a discount\\n- Paying annually will reduce your premium\\n\\n## How can I lower my homeowners policy price?\\n\\nYour policy price ([the premium](https://www.lemonade.com/insuropedia/dictionary/insurance-premium/)â) is mostly affected by the coverage amounts of your policy, which you can easily adjust before payment. A higher [deductible](https://www.lemonade.com/homeowners/explained/what-is-a-deductible/) may lower your price. Your deductible is the amount that will be deducted from any claim payment you may receive. Think of it as your participation in the damage or loss.\\n\\nIn addition, your rate may be reduced if you live in areas that are less susceptible to environmental,
1crime, or weather-related damages and if you own protective equipment such as fire and burglar alarms. Youâll also score discounts on both policies [if you bundle your Lemonade Homeowners policy with our car](https://www.lemonade.com/homeowners/explained/homeowners-and-car-insurance-bundle/) or pet insurance.\\n\\n## Iâm buying a new home, how do I change the address on my Lemonade policy? [schema]\\n\\nCongrats on the new place!\\n\\nIf you havenât moved in yet, we recommend keeping your renters insurance active, and getting a new homeowners policy for your new home. After youâve moved out of your rental apartment and into your home, use the [Lemonade app](https://www.lemonade.com/download) to cancel your renters policy.\\n\\n## If I report a loss or have bad credit, will my premium be affected?\\n\\nIt might. History shows that people with poor credit or who have a record of making claims are more likely to make claims in the future. In fairness, our rates take many relevant data points into account. Your credit and claims history are two of many factors that may influence your rate, and are dependent on the laws of the state where policies are issued.\\n\\n## Will my credit score be affected by applying for a policy? [schema]\\n\\nNo. We sometimes perform a âsoftâ credit check, but this does not affect your credit score in any way. We may have to run this check in order to complete your policy pricing.\\n\\n## What if the closing date of my new home changes?\\n\\nNo worries! If your closing date changes we can easily update it. Just drop a note to [email protected] or give our homeowners team a call at 1-844-733-8666.\\n\\nBTW, if your closing falls through, we can cancel the policy at no charge.\\n\\n## How do I cancel my Lemonade Homeowners policy?\\n\\nYou can cancel your policy at any time through the [Lemonade app](https://www.lemonade.com/download) and receive a refund for the remaining period youâve paid for. If you ever want to come back, weâd love to have you! But please be aware that insurance prices change from time to time, so your new policy may come with a different rate.\\n\\n## Great prices? I got a quote thatâs higher than my old insurer, what gives?\\n\\nWe say we have great prices, and we mean it. But while our prices tend to be cheaper than those of the more established players, that wonât always be the case. [Insurers](https://www.lemonade.com/insuropedia/dictionary/insurer/) use different models and data sets to establish prices, and on occasion, our prices will be higher than someone elseâs. Itâs the way statistics work. If itâs any comfort, please remember that any leftover money will be donated to a charity of your choosing⦠thatâs a good reason to go with Lemonade!\\n\\n## Coverage\\n\\n## What does a Lemonade Homeowners policy cover?\\n\\nA Lemonade Homeowners policy covers your home and property for damages caused by things like [wildfires](https://www.lemonade.com/homeowners/explained/fire-damage/), extreme weather, crime, and vandalism. It also protects you against liability claims for damages you accidentally cause others, like if you cut a tree down in your yard and it falls on your neighborâs car. In cases where your home becomes unlivable, weâll also cover the costs of alternative living arrangements.\\n\\nFor a complete list of coverages, we recommend getting a quote. Youâll be able to see and make changes to your coverage, deductible, start date, and more. After buying a policy, weâll send you a copy of your new policy by email.\\n\\n## Can I increase or decrease Lemonade Homeowners coverages?\\n\\nSure. Before purchasing a policy, youâll be able to adjust the coverages you need as well as choose a deductible that works for you. Naturally, we have maximum and minimum limits to all coverages. Your âReplacement Costâ coverage limits (the estimated cost of completely rebuilding your home) can be modified within reason, as this is regulated in order to prevent unnecessary risk-taking.\\n\\nAfter you buy a policy, youâll be able to view and edit your coverages through the [Lemonade app](https://www.lemonade.com/download).\\n\\n## Is my spouse covered under my Lemonade Homeowners policy?\\n\\nThe short answer is yes, but we recommend adding their name to your policy.\\n\\nYou\'ll be happy to know that your policy automatically covers all residents of your [household](https://www.lemonade.com/renters/explained/who-does-your-policy-cover/) who are related to you by marriage, blood, or adoption.\\n\\nJust make sure you buy enough coverage to cover everyoneâs [personal property](https://www.lemonade.com/renters/explained/personal-property/). Remember to take everyoneâs laptops, bikes, electronics, jewelry, musical instruments, and clothing into consideration.\\n\\n## Is my significant other covered under my Lemonade Homeowners policy?\\n\\nIf youâre living with your significant other, we recommend adding their name to your policy (at a minor additional cost). Beyond adding their name, make sure you update your Personal Property coverage to include the stuff they keep in your home as well.\\n\\n## What kinds of things am I covered for with my home insurance policy?\\n\\nYour homeowners insurance policy covers your home against perils (aka, bad stuff like fire, windstorm, or an explosion). But it does more than that.\\n\\nYour policy is broken up into six types of coverage:\\n\\n- [Dwelling Coverage](https://www.lemonade.com/homeowners/explained/dwelling-coverage/) (aka coverage for your actual house)\\n- [Other Structures](https://www.lemonade.com/homeowners/explained/other-structures/) coverage (your driveway, fence, tool shed, etc)\\n- [Personal Property](https://www.lemonade.com/renters/explained/personal-property/) (your stuff)\\n- [Loss of Use](https://www.lemonade.com/renters/explained/loss-of-use/) will help with additional living expenses (like hotel bills) if your place becomes uninhabitable due to a peril like a fire, windstorm, etc.\\n- Liability Coverage or [personal liability](https://www.lemonade.com/renters/explained/personal-liability/) insurance refers to coverage in the case of bodily injury or property damage to other people (or their stuff) as a result of your actions - at your home, and anywhere else\\n- Medical Payments to help pay for medical bills, under $5,000 in most cases, that you incur if something happens to guests while at your place\\n\\nBe sure to figure out [how much homeowners insurance coverage you need](https://www.lemonade.com/homeowners/explained/how-much-homeowners-insurance-do-i-need/).\\n\\n## Am I covered if something I own gets stolen outside of my home or apartment?\\n\\nYes. A Lemonade Homeowners policy covers your personal property âanywhere in the worldâ (thatâs straight from our policy).\\n\\nIf your bike gets stolen from in front of your apartment or your laptop gets stolen from your local coffee shop, you are covered up to your policyâs Personal Property limit. Your deductible applies, and we\'ll also need you to [file a police report](https://www.lemonade.com/renters/explained/how-to-file-theft-claim/) with the officerâs name, precinct/department, and report number. Keep in mind, a stolen pet is not covered under any of our policies.\\n\\n## What kinds of things are not covered under a Lemonade policy?\\n\\nUnfortunately, insurance doesnât cover e-v-e-r-y annoying thing that can happen. Things like your power, water, or heat going out in the dead of winter, or a [bed bug infestation](https://www.lemonade.com/renters/explained/bed-bugs-explained/), arenât covered by homeowners policies. That means we canât reimburse you if any of those things happen.\\n\\nWe also donât cover personal property that gets mistakenly lost or broken. Here\'s a [guide](https://www.lemonade.com/homeowners/explained/what-homeowners-insurance-covers/) to what\'s covered and what\'s not under your homeowners policy.\\n\\n## Is my laptop covered?\\n\\nYes! Your Lemonade Homeowners policy covers your personal electronic equipment up to the amount you select for your Personal Property limit when signing up. Coverage for [laptops](https://www.lemonade.com/renters/explained/laptop-insurance/), [phones](https://www.lemonade.com/renters/explained/mobile-phone-insurance-theft/), tablets, TVs, and other personal electronics are all included, as standard, in the policy. Please note that this is coverage against the list of specific, named perils mentioned in the policy such as theft, [fire](https://www.lemonade.com/homeowners/explained/fire-damage/), explosion, [vandalism](https://www.lemonade.com/homeowners/explained/vandalism/), etc. Be careful with that computer, because your policy doesnât cover loss or breakage if you drop it!\\n\\n## If my dog bites someone, am I covered?\\n\\nGenerally, yes, if your [dog bites someone you\'re covered](https://www.lemonade.com/homeowners/explained/dog-bite-homeowners-insurance/) under your homeowners policy. However, you\'re not covered if your dog has a history of biting or if your dog is categorized as a high-risk breed. These breeds can be found in the \'not covered\' section of your policy.\\n\\n## Is my self-storage locker covered under a renters or homeowners policy?\\n\\nFor personal property stored in a self-storage facility, or usually stored at a place other than your home, our policy covers you for theft up to a limit of $1,000. Note, if youâre in NY, CA, or CT, our policy covers your personal property in self-storage units for up to 10% of your Coverage C (Personal Property limit). Make sure to review your policy to understand the amount of coverage you have.\\n\\nOh, and if your personal property is stored in the basement of your condo or apartment building, itâs covered because itâs still at your home address.\\n\\n## Do you offer earthquake coverage?\\n\\nWe currently offer earthquake insurance policies for our homeowners in California. Weâre looking to expand this offering to other states, so stay tuned.\\n\\nItâs worth noting that your base policy already covers direct loss caused by fire, explosion, or theft resulting from earthquakes.\\n\\n## What is a hurricane deductible?\\n\\nA [hurricane deductible](https://www.lemonade.com/homeowners/explained/your-hurricane-questions-answered/#hurricane-deductible) works just like a normal deductible, but only applies if the damage is caused by a hurricane. You\'ll see it listed clearly next to your normal deductible in the app and in your policy.\\n\\nThese are typically for homeowner policies, but can apply in other cases. You\'ll see it clearly next to your normal deductible in the app and in your policy.\\n\\n## What is liability protection?\\n\\nWe offer [Personal Liability](https://www.lemonade.com/renters/explained/personal-liability/) protection as part of our homeowners policies. This means
1Lemonade will hire a lawyer to defend you, and we\'ll pay covered damages you are found liable for, in the event someone claims to be injured due to your actions or [negligence](https://www.lemonade.com/homeowners/explained/negligence/), or if thereâs property damage to someone elseâs property caused by your actions or negligence. Make sure to read your policy. If you experience an incident that may fall under this coverage, then make a claim using our app.\\n\\n## Extra Coverage\\n\\n## How do I add Extra Coverage for my expensive items?\\n\\nWe can help add [Extra Coverage](https://www.lemonade.com/homeowners/explained/scheduled-personal-property-coverage/) to your renters or homeowners policy for your fine art, jewelry, watches, camera bodies and lenses, musical instruments, and some other personal property. Doing so is easy through the [Lemonade app](https://www.lemonade.com/download). Weâll ask you for photos of those items, as well as a receipt or appraisal. Weâll be offering the ability to add Extra Coverage for other types of property soon, but in the meantime, you can rest easy knowing the policy _already_ has basic coverage built in for your big purchases like furniture, designer clothing, bikes, personal computers, and personal electronics.\\n\\n## Why should I get Extra Coverage for my personal property?\\n\\nBetter coverage\\n\\nExtra Coverage provides you with protection against accidental loss, damage, and theft, worldwide. (FYI, your base policy does not cover stuff that gets lost.)\\n\\nNo deductible\\n\\nThis means that unlike standard coverage, there will be no deduction of funds from your claim payment.\\n\\nGet coverage for jewelry worth $1,500 or more\\n\\nYour base policy covers your [jewelry](https://www.lemonade.com/renters/explained/jewelry-insurance/), but only up to a total of $1,500. So, tally up your bling, and if it collectively is worth more than $1,500, youâre going to want Extra Coverage.\\n\\n## When can I add Extra Coverage?\\n\\nAny time! Please note that Extra Coverage only kicks in after your items have been submitted and approved by our team. Items are added one at a time, and you will need to provide a short description, photo, and receipts or appraisals for each item. (Here\'s [more info on all of that.](https://www.lemonade.com/homeowners/explained/scheduled-property-receipts-appraisals/))\\n\\n## What kind of items can I add?\\n\\nCurrently, our Extra Coverage is offered for jewelry, fine art, [cameras](https://www.lemonade.com/renters/explained/camera-insurance/), [bicycles](https://www.lemonade.com/renters/explained/bicycle-insurance/), and musical instruments. You do not need to add Extra Coverage for your personal electronics, furniture, and clothing, as they are covered by your base policy. (Your bike is also covered by your base policy, but Extra Coverage will give you extra perks and protections.)\\n\\n## What happens if Lemonade does not approve my item?\\n\\nOur team reviews each item to determine if itâs eligible for Extra Coverage. If your item is not approved, it may be because your item is already covered by your base policy, or your item may need special coverage that is not currently offered by Lemonade. In any case, your base policy will not be affected.\\n\\n## Payments\\n\\n## How do I pay for my Lemonade insurance?\\n\\nAs a homeowner you have two payment options:\\n\\n- Payment through your lender ([escrow](https://www.lemonade.com/homeowners/explained/escrow/))\\n- Direct payment using your card\\n\\nIf you choose to pay through your lender, weâll need to get your lenderâs details, as well as some basic loan info.\\n\\nIf youâre closing on a new home and would like to include your homeowners insurance as part of your [closing costs](https://www.lemonade.com/homeowners/explained/closing-costs/), weâll be happy to sort that out with your lender.\\n\\nIf youâre just looking to switch to a new insurer, you can also opt into paying through escrow, and weâll go ahead and bill your lender.\\n\\nDirect payment using your card\\n\\nIf youâd like to pay directly, we will ask you for your credit card details, and give you the option to pay monthly, or for the entire year. Note that if you\'re closing on a new home, you will need to pay for the first year in full.\\n\\nRegardless of how you end up paying, know that you can always cancel your policy and get a refund for the remainder of the peri
1od youâve paid for.\\n\\n## What if I miss a premium payment?\\n\\nIf your credit card is declined, weâll ask you to provide us with a different one. Weâll keep bugging you to settle your tab, but eventually, weâll have to cancel your policy. Weâll warn you first.\\n\\n## Availability\\n\\n## Where is Lemonade Homeowners insurance available?\\n\\n[Arizona](https://www.lemonade.com/homeowners/explained/homeowners-insurance-arizona/), California, [Colorado](https://www.lemonade.com/homeowners/explained/homeowners-insurance-colorado/), [Connecticut](https://www.lemonade.com/homeowners/explained/connecticut-homeowners-insurance-guide/), [District of Columbia](https://www.lemonade.com/homeowners/explained/washington-dc-homeowners-insurance-guide/), [Georgia](https://www.lemonade.com/homeowners/explained/homeowners-insurance-georgia/), [Illinois](https://www.lemonade.com/homeowners/explained/illinois-homeowners-insurance-guide/), [Indiana](https://www.lemonade.com/homeowners/explained/homeowners-insurance-indiana/), [Iowa](https://www.lemonade.com/homeowners/explained/iowa-homeowners-insurance-guide/), [Maryland](https://www.lemonade.com/homeowners/explained/maryland-homeowners-insurance-guide/), Massachusetts, [Michigan](https://www.lemonade.com/homeowners/explained/michigan-homeowners-insurance-guide/), [Missouri](https://www.lemonade.com/homeowners/explained/missouri-homeowners-insurance-guide/), [Nevada](https://www.lemonade.com/homeowners/explained/nevada-homeowners-insurance-guide/), [New Jersey](https://www.lemonade.com/homeowners/explained/new-jersey-homeowners-insurance-guide/), [New York](https://www.lemonade.com/homeowners/explained/homeowners-insurance-new-york/), Ohio, [Oklahoma](https://www.lemonade.com/homeowners/explained/oklahoma-homeowners-insurance-guide/), [Oregon](https://www.lemonade.com/homeowners/explained/homeowners-insurance-oregon/), [Pennsylvania](https://www.lemonade.com/homeowners/explained/homeowners-insurance-pennsylvania/), [Tennessee](https://www.lemonade.com/homeowners/explained/tennessee-homeowners-insurance-guide/), [Texas](https://www.lemonade.com/homeowners/explained/texas-homeowners-insurance/), [Virginia](https://www.lemonade.com/homeowners/explained/virginia-homeowners-insurance/), and [Wisconsin](https://www.lemonade.com/homeowners/explained/wisconsin-homeowners-insurance-guide/)\\n\\n## Where is Lemonade condo insurance available?\\n\\nArizona, California, Colorado, Connecticut, District of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Missouri, Nevada, New Jersey, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Rhode Island, Virginia, Washington, and Wisconsin.\\n\\nWeâll be rolling out our insurance products in [additional states](https://www.lemonade.com/blog/lemonade-expansion-united-states/) in the coming year.\\n\\n## Switching to Lemonade\\n\\n## Can I switch to Lemonade if I already have an active homeowners insurance policy?\\n\\nSure you can! Itâs actually quite easy.\\n\\nWe\'ll notify your lender and handle updating your escrow payments (if needed), and then handle your switching request with your previous carrier.\\n\\n## Can I sign up over the phone?\\n\\nNo, you can only sign up for Lemonade through our mobile app or our website.\\n\\n## Claims\\n\\n## How do I file a claim?\\n\\nEasy! Just open the [Lemonade app](https://www.lemonade.com/download) and hit the âFile a Claimâ button. We will guide you through the rest of the short process there.\\n\\n## How will I get paid for a claim?\\n\\nAfter you complete the claim report on the [Lemonade app](https://www.lemonade.com/download), you will be asked to enter your bank account information. Once your claim is approved, weâll issue payment, minus the amount of your deductible, directly into your account.\\n\\n## How fast will a claim be paid?\\n\\nOur goal is for the majority of simple property claims to be paid almost instantly. There will be cases in which weâll need to fully review the incident to approve the claim, and there will be property damage claims or liability claims that may take longer to settle. If this is not the first loss you are reporting, or if some of the information we require is missing from your report, our team will need extra time to manually assess the incident and will most likely get in touch with you for further review.\\n\\n## Why does Lemonade ask me to re
1cord a video during the claims process?\\n\\nThereâs no better way for us to understand your incident than by having you tell us in your own words. It only takes a minute to shoot the video. Weâll use your video solely for the process of handling or reviewing your claim.\\n\\n## Whatâs considered a claim emergency?\\n\\nWe define an emergency as an event that requires immediate assistance or temporary housing as a result of [fire](https://www.lemonade.com/homeowners/explained/fire-damage/), ongoing water damage, or any other structural damage that leaves your home exposed.\\n\\nShortly after you report an emergency, our response team will call you to assess the situation and provide you with emergency services such as water or fire damage cleanup, temporary housing, or a designated specialist as soon as possible. We have your back, 24/7.\\n\\n## What documentation do you need from me? Do I need to take an inventory?\\n\\nWhen filing a claim for your property, if you have receiptsâthat\'s great! But, we know that not everyone saves their receipts. Do try and be sure to keep your receipts for the more expensive stuff you buyâsay, $250 and up. That way, we can settle your claim more quickly. Even if you donât have the receipt, keeping note of where and when you purchased more expensive items will help us help you.\\n\\n## How do you calculate the value of my personal property during a claim?\\n\\nOur homeowners policies offer [âreplacement costâ](https://www.lemonade.com/homeowners/explained/replacement-cost/) for any destroyed, damaged, or stolen items. This means weâll calculate the value of your item based on its current, lowest, as-new market value. If the item is no longer being sold, we will look for a similar one, and use that price for reference.\\n\\nHereâs an example: Your camera has been stolen. You bought it three years ago for $500, and today, this exact model sells for $350. Since our job is to provide you with an exact replacement, the value we will calculate is $350.\\n\\n# Renters Insurance\\n\\n## Policy\\n\\n## How do you calculate the cost of a Lemonade Renters policy? [schema]\\n\\nRenters premiums are calculated individually for each [policyholder](https://www.lemonade.com/insuropedia/dictionary/policyholder/) and are based on a number of different factors. Here are things that could affect your renters insurance price:\\n\\n- The more coverage you add, the higher the premium gets\\n- Choosing a higher deductible can lower your premium price\\n- Where you live may affect your premium\\n- Insurance history thatâs full of claims will increase your price, and in some cases even prevent us from being able to cover you\\n- Protective devices such as deadbolts, burglar alarms, and smoke alarms will get you a discount\\n- Bundling with other Lemonade products, such as pet, will get you a discount\\n- In certain states, paying annually will reduce your premium\\n\\n## How can I lower my renters policy price?\\n\\nYour policy price (the â[premium](https://www.lemonade.com/insuropedia/dictionary/insurance-premium/)â) is mostly affected by the coverage amounts of your policy, which you can easily adjust before payment. A higher deductible may lower your price. (Your deductible is the amount that will be deducted from any claim payment you may receive. Think of it as your participation in the damage or loss.)\\n\\nIn addition, your rate may be reduced if you live in areas that are less susceptible to environmental,
1crime, or weather-related damages and if you own protective equipment such as fire and burglar alarms. Youâll also score discounts on both policies [if you bundle your Lemonade Renters policy with our car](https://www.lemonade.com/renters/explained/renters-and-car-insurance-bundle/) or pet insurance.\\n\\n## Iâm moving to a new place. How do I change the address on the policy?\\n\\nRenters insurance policies cover a specific property at a specific address. If youâre moving (or already moved) to a new place and would like to keep the settings and extra items you had on the previous policy, do the following:\\n\\n1. Open the Lemonade app and sign in (download for [iPhone](https://lemonadeinc.onelink.me/2551691193?af_dp=lemonadeinc%3A%2F%2F&af_web_dp=https%3A%2F%2Fitunes.apple.com%2Fapp%2Fid1055653645&c=download&pid=lemonade.com&utm_campaign=download&utm_source=lemonade.com&uuid=0227639f-b018-48cf-b6f3-b19e754b7d92) and [Android](https://lemonadeinc.onelink.me/2832583367?af_dp=lemonadeinc%3A%2F%2F&af_web_dp=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dcom.lemonadeinc.lemonade&c=download&pid=lemonade.com&utm_campaign=download&utm_source=lemonade.com&uuid=0227639f-b018-48cf-b6f3-b19e754b7d92))\\n2. Tap the menu icon in the top left corner\\n3. Tap âAsk Us Anythingâ\\n4. Type âIâm moving to a new placeâ\\n5. Maya will guide you through the steps to move from your old address to your new one. The entire process should take less than a minute!\\n\\n## If I report a loss or have bad credit, will my premium be affected?\\n\\nIt might. History shows that people with poor credit or who have a record of making claims are more likely to make claims in the future. In fairness, our rates take many relevant data points into account. Your credit and claims history are two of many factors that may influence your rate, and are dependent on the laws of the state where policies are issued.\\n\\n## How do I cancel my Lemonade Renters policy?\\n\\nYou can cancel your policy at any time through the [Lemonade app](https://www.lemonade.com/download) or website and receive a refund for the remaining period youâve paid for. If you ever want to come back, weâd love to have you! But please be aware that insurance prices change from time to time, so your new policy may come with a different rate.\\n\\n## Great prices? I got a quote thatâs higher than my old insurer, what gives?\\n\\nWe say we have great renters insurance prices, and we mean it. But while our prices tend to be cheaper than those of the more established players, that wonât always be the case. [Insurers](https://www.lemonade.com/insuropedia/dictionary/insurer/) use different models and data sets to establish prices, and on occasion, our prices will be higher than someone elseâs. Itâs the way statistics work. If itâs any comfort, please remember that any leftover money will be donated to a charity of your choosing⦠thatâs a good reason to go with Lemonade!\\n\\n## Coverage\\n\\n## What does a Lemonade Renters insurance policy cover?\\n\\nA Lemonade Renters policy covers your stuff against damages caused by things like fire, vandalism, theft, and other named perils. It also protects you against liability claims for damages you accidentally cause others. And in cases where your home becomes unlivable due to certain damages, weâll also help cover the costs of alternative living arrangements.\\n\\nFor a complete list of coverages, we recommend getting a quote. In the quote page, youâll be able to see and make changes to your coverage, deductible, start date, and more. After buying a policy, weâll send you a copy of your new policy by email.\\n\\n## Are roommates covered under Lemonade Renters policies ?\\n\\nUnfortunately not. Insurance only covers you, and the [property](https://www.lemonade.com/homeowners/explained/real-property/) you legally own. When living with roommates, we recommend asking them to get a Lemonade renters policy as well.\\n\\n## Is my spouse covered?\\n\\nThe short answer is yes, but we suggest adding their name to your policy.\\n\\nYou\'ll be happy to know that your renter
1s policy automatically covers all residents of your [household](https://www.lemonade.com/renters/explained/who-does-your-policy-cover/) who are related to you by marriage, blood, or adoption.\\n\\nJust make sure you buy enough coverage to cover everyoneâs [personal property](https://www.lemonade.com/renters/explained/personal-property/). Remember to take everyoneâs laptops, bikes, electronics, jewelry, musical instruments, and clothing into consideration.\\n\\n## Is my significant other covered under my Lemonade Renters policy?\\n\\nIf youâre living with your significant other, we suggest adding their name to your policy (at a minor additional cost). Beyond adding their name, make sure you update your personal property coverage to include the stuff they keep in your home as well.\\n\\n## What specific kinds of things am I covered for with a Lemonade Renters policy?\\n\\nYour renters insurance policy covers your place against perils (aka, bad stuff like fire, windstorm, or an explosion). But it does more than that.\\n\\nYour policy is broken up into several types of coverage:\\n\\n- [Personal Property](https://www.lemonade.com/renters/explained/personal-property/) will be activated in various scenarios, like if your laptop or bike is stolen, or if a kitchen fire destroys your belongings\\n- [Loss of Use](https://www.lemonade.com/renters/explained/loss-of-use/) will help with additional living expenses (like hotel bills) if your place becomes uninhabitable due to a peril like a fire, windstorm, etc.\\n- Liability Coverage or [personal liability](https://www.lemonade.com/renters/explained/personal-liability/) insurance refers to coverage in the case of bodily injury or property damage to other people (or their stuff) as a result of your actions - at your home, and anywhere else\\n- Medical Payments to help pay for medical bills, under $5,000 in most cases, that you incur if something happens to guests while at your place\\n\\n## Am I covered if something I own gets stolen outside of my home or apartment?\\n\\nYes. A Lemonade renters policy covers your personal property âanywhere in the worldâ (thatâs taken directly from our policy).\\n\\nIf your bike gets stolen from in front of your apartment or your laptop gets stolen from your local coffee shop, you are covered up to your policyâs personal property limit. Your deductible applies, and we\'ll also need you to file a police report with the officerâs name, precinct/department, and report number. Keep in mind, a stolen pet is not covered under any of our policies.\\n\\n## What kinds of things are not covered under a Lemonade renters policy?\\n\\nUnfortunately, [insurance doesnât cover e-v-e-r-y annoying thing that can happen](https://www.lemonade.com/renters/explained/what-is-renters-insurance-and-whats-covered/#notcover). Things like your power, water, or heat going out in the dead of winter, or a [bed bug infestation](https://www.lemonade.com/renters/explained/bed-bugs-explained/), arenât covered by renters policies. That means we canât reimburse you if any of those things happen.\\n\\nWe also donât cover personal property that gets mistakenly lost or broken. Hereâs a [guide](https://www.lemonade.com/renters) to whatâs covered and whatâs not under our renters policy.\\n\\n## Is my laptop covered?\\n\\nYes! Your Lemonade renters policy covers your personal electronic equipment up to the amount you select for Property & Valuables when signing up.\\n\\nCoverage for [laptops](https://www.lemonade.com/renters/explained/laptop-insurance/), [phones](https://www.lemonade.com/renters/explained/mobile-phone-insurance-theft/), tablets, TVs, and other personal electronics are all included, as standard, in the policy. Please note that this is coverage against the list of specific, named perils mentioned in the policy such as theft, [fire](https://www.lemonade.com/homeowners/explained/fire-damage/), explosion, [vandalism](https://www.lemonade.com/homeowners/explained/vandalism/), etc. Be careful with that computer, because your policy doesnât cover loss or breakage if you drop it!\\n\\n## If my dog bites someone, am I covered?\\n\\nGenerally, yes, if your dog bites someone you\'re covered under your renter
1s policy. However, you\'re not covered if your dog has a history of biting or if your dog is categorized as a high-risk breed. These breeds can be found in the \'not covered\' section of your policy.\\n\\n## Do you offer earthquake coverage? [schema]\\n\\nWe currently offer earthquake insurance policies for our renters in California and Arkansas. Weâre looking to expand this offering to other states, so stay tuned.\\n\\nItâs worth noting that our base policies in all states already cover direct loss caused by fire, explosion, or theft resulting from earthquakes.\\n\\n## How can I increase or decrease Lemonade Renters policy coverages? [schema]\\n\\nBefore purchasing a renters policy, youâll be able to adjust the coverages you need as well as choose a deductible that works best for you. Naturally, we have maximum and minimum limits to all coverages.\\n\\nAfter you buy a policy, youâll be able to view and edit your coverages through the [Lemonade app](https://www.lemonade.com/download).\\n\\n## Is my self-storage locker covered under a renters policy?\\n\\nFor personal property stored in a self-storage facility, or usually stored at a place other than your home, [our policy covers you for theft up to a limit of $1,000](https://www.lemonade.com/renters/explained/does-renters-insurance-cover-storage-units/). Note, if youâre in NY, CA, or CT, our policy covers your personal property in self-storage units for up to 10% of your Coverage C (personal property limit). Make sure to review your policy to understand the amount of coverage you have.\\n\\nOh, and if your personal property is stored in the basement of your apartment building, itâs covered because itâs still at your home address.\\n\\n## What is liability protection?\\n\\nWe offer [personal liability](https://www.lemonade.com/renters/explained/personal-liability/) protection as part of our renters policies. This means Lemonade will hire a lawyer to defend you, and we\'ll pay covered damages you are found liable for, in the event someone claims to be injured due to your actions or [negligence](https://www.lemonade.com/homeowners/explained/negligence/), or if thereâs property damage to someone elseâs property caused by your actions or negligence. Make sure to read your policy. If you experience an incident that may fall under this coverage, then make a claim using our app.\\n\\n## Extra Coverage\\n\\n## How do I add Extra Coverage for my expensive items? [schema]\\n\\nItâs easy to add Extra Coverage to your renters policy for your fine art, [jewelry](https://www.lemonade.com/renters/explained/jewelry-insurance/), watches, camera bodies and lenses, musical instruments, and some other personal property. Everything can be done through the [Lemonade app](https://www.lemonade.com/download). All weâll need are photos of the items you want covered, as well as a receipt or appraisal.\\n\\nWeâll be offering the ability to add Extra Coverage for even more types of property soon, but in the meantime, youâre in luck: A base policy already has coverage built in for your big-ticket purchases like furniture, designer clothing, bikes, personal computers, and personal electronics. (Adding Extra Coverage for your bike, though, provides additional benefits and protectionsâlike deductible-free claims, and coverage for accidental damage.)\\n\\n## Why should I get Extra Coverage for my personal property?\\n\\nBetter coverage\\n\\nExtra Coverage provides renters with protection against accidental loss, damage, and theft, worldwide. (FYI, your base policy does not cover stuff that simply gets lost.)\\n\\nNo deductible\\n\\nThis means that unlike standard coverage, there will be no deduction of funds from your claim payment.\\n\\nGet coverage for jewelry worth $1,500 or more\\n\\nYour base renters insurance policy covers your [jewelry](https://www.lemonade.com/renters/explained/jewelry-insurance/), but only up to a total of $1,500. So, tally up your bling, and if it collectively is worth more than $1,500, youâre going to want Extra Coverage.\\n\\n## When can I add Extra Coverage?\\n\\nAny time! But donât forget that E
1xtra Coverage only kicks in after your items have been submitted and approved by our team. Items are added one at a time, and you will need to provide a short description, photo, and receipts or appraisals for each. (Here\'s [more info on all of that](https://www.lemonade.com/homeowners/explained/scheduled-property-receipts-appraisals/).)\\n\\n## What kind of items can I add?\\n\\nCurrently, our Extra Coverage is offered for jewelry, fine art, [cameras](https://www.lemonade.com/renters/explained/camera-insurance/), [bicycles](https://www.lemonade.com/renters/explained/bicycle-insurance/), and musical instruments. You do not need to add Extra Coverage for your personal electronics, furniture, and clothing, as they are covered by your base renters insurance policy. (Your bike is also covered by your base policy, but Extra Coverage will give you extra perks and protections.)\\n\\n## What happens if Lemonade does not approve my item? [schema]\\n\\nOur team goes over each item to determine if itâs eligible for Extra Coverage. If your item is not approved, there could be a few reasons. It may be because your item is already covered by your base renters policy, or your item may need special coverage that is not currently offered by Lemonade. In any case, your base policy will not be affected.\\n\\n## Payments\\n\\n## How do I pay for my Lemonade Renters policy?\\n\\nYou can pay for your Lemonade Renters policy using a credit card (or SEPA in some European countries). You choose between annual or monthly payment plans. In some states we provide discounts if you select the annual option. If you choose a monthly plan, we will continue to charge your card automatically each month.\\n\\n## Availability\\n\\n## Where is Lemonade Renters insurance available? [schema]\\n\\n[Arizona](https://www.lemonade.com/renters/explained/renters-insurance-arizona/), [Arkansas](https://www.lemonade.com/renters/explained/arkansas-renters-insurance/), [California](https://www.lemonade.com/renters/explained/renters-insurance-california/), [Colorado](https://www.lemonade.com/renters/explained/renters-insurance-colorado/), [Connecticut](https://www.lemonade.com/renters/explained/renters-insurance-in-connecticut/), [Delaware](https://www.lemonade.com/renters/explained/renters-insurance-delaware/), [District of Columbia](https://www.lemonade.com/renters/explained/washington-dc-renters-insurance-guide/), [Florida](https://www.lemonade.com/renters/explained/florida-renters-insurance-guide/), [Georgia](https://www.lemonade.com/renters/explained/georgia-renters-insurance/), [Illinois](https://www.lemonade.com/renters/explained/illinois-renters-insurance-guide/), [Indiana](https://www.lemonade.com/renters/explained/indiana-renters-insurance-guide/), [Iowa](https://www.lemonade.com/renters/explained/iowa-renters-insurance-guide/), [Kansas](https://www.lemonade.com/renters/explained/renters-insurance-kansas/), Kentucky, [Louisiana](https://www.lemonade.com/renters/explained/renters-insurance-louisiana/), [Maine](https://www.lemonade.com/renters/explained/renters-insurance-maine/), [Maryland](https://www.lemonade.com/renters/explained/maryland-renters-insurance-guide/), [Massachusetts](https://www.lemonade.com/renters/explained/massachusetts-renters-insurance-guide/), [Michigan](https://www.lemonade.com/renters/explained/renters-insurance-michigan/), [Mississippi](https://www.lemonade.com/renters/explained/renters-insurance-in-mississippi/), [Missouri](https://www.lemonade.com/renters/explained/missouri-renters-insurance/), [Montana](https://www.lemonade.com/renters/explained/renters-insurance-montana/), [Nebraska](https://www.lemonade.com/renters/explained/renters-insurance-nebraska/), [Nevada](https://www.lemonade.com/renters/explained/nevada-renters-insurance-guide/), [New Hampshire](https://www.lemonade.com/renters/explained/renters-insurance-new-hampshire/), [New Jersey](https://www.lemonade.com/renters/explained/renters-insurance-new-jersey/), [New Mexico](https://www.lemonade.com/renters/explained/new-mexico-renters-insurance-guide/), [New York](https://www.lemonade.com/renters/explained/renters-insurance-new-yor
1k/), [North Carolina](https://www.lemonade.com/renters/explained/renters-insurance-in-north-carolina/), [North Dakota](https://www.lemonade.com/renters/explained/renters-insurance-north-dakota/), [Ohio](https://www.lemonade.com/renters/explained/renters-insurance-ohio/), [Oklahoma](https://www.lemonade.com/renters/explained/oklahoma-renters-insurance-guide/), [Oregon](https://www.lemonade.com/renters/explained/renters-insurance-oregon/), [Pennsylvania](https://www.lemonade.com/renters/explained/renters-insurance-pennsylvania/), [Rhode Island](https://www.lemonade.com/renters/explained/rhode-island-renters-insurance-guide/), [South Carolina](https://www.lemonade.com/renters/explained/renters-insurance-in-south-carolina/), [South Dakota](https://www.lemonade.com/renters/explained/renters-insurance-south-dakota/), [Tennessee](https://www.lemonade.com/renters/explained/tennessee-renters-insurance-guide/), [Texas](https://www.lemonade.com/renters/explained/renters-insurance-texas/), [Utah](https://www.lemonade.com/renters/explained/renters-insurance-utah/), [Vermont](https://www.lemonade.com/renters/explained/renters-insurance-vermont/), [Virginia](https://www.lemonade.com/renters/explained/renters-insurance-virginia/), [Washington](https://www.lemonade.com/renters/explained/washington-state-renters-insurance-guide/), [West Virginia](https://www.lemonade.com/renters/explained/renters-insurance-west-virginia/), [Wisconsin](https://www.lemonade.com/renters/explained/wisconsin-renters-insurance-guide/), and [Wyoming](https://www.lemonade.com/renters/explained/renters-insurance-wyoming/)\\n\\n## Switching\\n\\n## Can I switch to Lemonade if I already have a renters policy elsewhere? [schema]\\n\\nSure you can! Itâs actually quite easy.\\n\\nWeâll send your previous insurer a formal notice. Once they get it, theyâll need to cancel the remainder of your policy term, and refund you for any outstanding payments.\\n\\nWe handle thousands of switching requests every week, with people moving to Lemonade from companies like Allstate, State Farm, Farmers, Liberty Mutual, Geico, USAA, Travelers, and more!\\n\\n## Landlords\\n\\n## Can I add my landlord as an interested party?\\n\\nSure! Landlords and property managers may require that you list them on your policy as an â[interested party.](https://www.lemonade.com/renters/explained/interested-party/)â This means theyâll be automatically notified about major changes, such as cancellations or coverage modifications.\\n\\nTo do this simply open the Lemonade app, tap your policy, and look for the option to add an interested party.\\n\\n## Claims\\n\\n## How do I file a claim?\\n\\nEasy! Just open the [Lemonade app](https://www.lemonade.com/download) and hit the âFile a Claimâ button. We will guide you through the rest of the short process there.\\n\\n## How will I get paid for a claim?\\n\\nAfter you complete the claim report on the [Lemonade app](https://www.lemonade.com/download), you will be asked to enter your bank account information. Once your claim is approved, weâll issue payment, minus the amount of the deductible on your renters policy, directly into your account.\\n\\n## How fast will a claim be paid?\\n\\nOur goal is for the majority of simple property claims to be paid almost instantly. There will be cases in which weâll need to fully review the incident to approve the claim, and there will be property damage claims or liability claims that may take longer to settle. If this is not the first loss you are reporting, or if some of the information we require is missing from your report, our team will need extra time to manually assess the incident and will most likely get in touch with you for further review.\\n\\n## Why does Lemonade ask me to record a video during the claims process? [schema]\\n\\nThereâs no better way for us to understand your incident than by having you tell us in your own words. It only takes a minute to shoot the video. Weâll use your video solely for the process of handling or reviewing your claim.\\n\\n## Whatâs considered a claim emergency?\\n\\nWe define an emergency as an event that requires immediate assistance or temporary housing as a result of fire, ongoing water damage, or any other structural damage that leaves your home exposed.\\n\\nShortly after you report an emergency, our response team will call you to assess the situation and provide you with emergency services such as water or fire damage cleanup, temporary housing, or a designated specialist as soon as possible. We have your back, 24/7.\\n\\nLemonade has a network of emergency response and repair partners enabling us to respond to just about any incident at just about any time. For emergencie
1s relating to your home and property where you don\'t have access to our app or website, you may call us at (844) 733-8666.\\n\\n## What documentation do you need from me? Do I need to take an inventory?\\n\\nWhen filing a claim for your property, if you have receiptsâthat\'s great! But, we know that not everyone saves their receipts. Do try and be sure to keep your receipts for the more expensive stuff you buyâsay, $250 and up. That way, we can settle your claim more quickly. Even if you donât have the receipt, keeping note of where and when you purchased more expensive items will help us help you.\\n\\n## How do you calculate the value of my personal property during a claim?\\n\\nOur renters policies offer [âreplacement costâ](https://www.lemonade.com/renters/explained/replacement-cost/) for any destroyed, damaged, or stolen items. This means weâll calculate the value of your item based on its current, lowest, as-new market value. If the item is no longer being sold, we will look for a similar one, and use that price for reference.\\n\\nHereâs an example: Your camera has been stolen. You bought it three years ago for $500, and today, this exact model sells for $350. Since our job is to provide you with an exact replacement, the value we will calculate is $350.\\n\\n# Car Insurance\\n\\n## Policy\\n\\n## How do you calculate the cost of a Lemonade Car policy?\\n\\nLemonade Car policies differ by state. In most cases, car premiums are calculated for your entire household and based on a number of different factors. The first time you get a Lemonade Car policy weâll consider all the cars in your household as well as everyoneâs driving records, your insurance histories, previous claims, and more. At renewal, we hope youâll see a drop in your premium since the Lemonade app uses location-based technology to help us price your policy based on your actual driving.\\n\\nHere are things that could affect your car insurance price:\\n\\n- Driving with FSD will save you 50% off every mile in Arizona and Oregon\\n- Paying semi-annually will reduce your premium in Colorado, Illinois, Indiana, Ohio, Tennessee, and Texas\\n- The more coverage you add, the higher the premium\\n- The higher deductible you choose, [the lower the price](https://www.lemonade.com/car/explained/how-to-lower-the-cost-of-car-insurance/)\\n- Better maintained cars [cost less to insure](https://www.lemonade.com/car/explained/how-much-does-car-insurance-cost/)\\n- A history of accidents and traffic violations will increase your price, and in some cases even prevent us from being able to cover you\\n- Having an electric or hybrid car will get you a discount in some states\\n- Driving with location services enabled on the Lemonade app in Colorado, Illinois, Indiana, Ohio, Tennessee, and Texas makes you eligible for a participation discount, and gives you the opportunity to lower your price with better driving over time ([learn more about how Lemonade Car uses tech](https://www.lemonade.com/car/explained/a-different-kind-of-car-insurance/))\\n- Bundling with other Lemonade products, such as homeowners, renters, pet, or life insurance, will get you a discount\\n\\nLemonade Car policies in Arizona, Washington, California and Oregon are calculated on a monthly basis, and ultimately determined by your mileage. We charge you a low price, usually a few cents, for each mile you drive (50% off for FSD miles in Arizona, Oregon and coming to more states soon!) and add it together with your base price for your monthly total. Youâll be able to preview your base price and per-mile price when you get a quote.\\n\\n## How can I lower my car insurance policy price?\\n\\nYour policy price (the â[premium](https://www.lemonade.com/insuropedia/dictionary/insurance-premium/)â) is affected by the way you actually drive, so itâs worth reading these tips to see how your driving behavior can [lower your premium](https://www.lemonade.com/car/explained/talking-telematics/). It will also be impacted by the coverage amounts of your policy, which you can easily adjust before or after you purchase your policy. A higher deductible may lower your price. A deductible is the part of the cost you can expect to pay out of pocket. It\'s your participation in the cost of the damage or loss. In most cases, driving less will also lower your premium, as Lemonade Car was built to cost less for those who drive less.\\n\\n## Iâm buying a new car, how do I get it insured?\\n\\nCongrats! Youâll probably need proof of insurance to drive your new ride...\\n\\nIf you already have a policy, youâre all set! Just use the [Lemonade app](https://www.lemonade.com/download) to add the new car, and if you need to show proof of insurance you can pull up a digital version of your insurance ID card.\\n\\n<InsuranceCardImage />
1\\n\\nIf you havenât purchased a policy yet you can go ahead and get started in our app. If this new car is the only one youâll have on the policy you may need to get your policy in advance (since our coverage kicks in at 12:01 AM, and you need proof of insurance to register a car to your name).\\n\\nIf you purchase a used car, you need to get your policy the day before you pick it up so itâs active when you register it. If you buy a new car from a dealership and they register it for you we can provide same-day coverage.\\n\\n## How does Telematics know if Iâm driving⦠and what if itâs wrong?\\n\\nTelematics uses machine learning to make predictions that determine if you are driving. [Some of our policies rely on the sensors in your phone to collect this data, and others use a small plug-in device.](https://www.lemonade.com/car/explained/talking-telematics/)\\n\\n## How do you track my FSD miles?\\n\\nWith your permission, we connect directly to your Tesla through a seamless integration that shows us exactly which miles were driven in FSD versus manual driving.\\n\\n## Can I get Lemonade Autonomous Car insurance?\\n\\nThis special coverage with 50% off every mile driven in FSD is available in select states for Teslas with Hardware 4 and recent firmware (2025.44.25.5 or newer). The firmware update is free and easy to install through your Tesla app.\\n\\n## If I report a loss or have bad credit, will my premium be affected?\\n\\nIt might. History shows that people with poor credit or who have a record of making claims are more likely to make claims in the future. In fairness, our rates take many relevant data points into account. Your credit and claims history are two of many factors that may influence your rate, and are dependent on the laws of the state where policies are issued. You can learn more about how to lower your [car insurance premium here](https://www.lemonade.com/car/explained/how-to-lower-the-cost-of-car-insurance/)\\n\\n## Will my credit score be affected by applying for a policy?\\n\\nNo. We sometimes perform a âsoftâ credit check, but this does not affect your credit score in any way. We may have to run this check in order to complete your policy pricing.\\n\\n## How do I cancel my Lemonade Car policy?\\n\\nYou can cancel your policy at any time through the [Lemonade app](https://www.lemonade.com/download) and receive a refund for the remaining period youâve paid for. If you ever want to come back, weâd love to have you! But please be aware that insurance prices change from time to time, so your new policy may come with a different rate.\\n\\n## Great prices? I got a quote thatâs higher than my old insurer, what gives?\\n\\nWe say we have great prices, and we mean it. But while our prices tend to be cheaper than those of the more established players, that wonât always be the case. Insurers use different models and data sets to establish prices, and on occasion, our prices will be higher than someone elseâs. Itâs the way statistics work. If itâs any comfort, please remember that any leftover money will be donated to a charity of your choosing⦠thatâs a good reason to go with Lemonade!\\n\\n## Coverage\\n\\n## What does a Lemonade Car policy cover?\\n\\nA Lemonade Car policy can cover you for damage to your car caused by accidents, vandalism, extreme weather, fire, falling objects, and certain other perils, but keep in mind that your coverage will depend on how you build your policy when you get a quote. Certain coverages protect you if someone without insurance hits your car, while others would kick in if your car is stolen, if you need roadside assistance, if thereâs liability claims for damages you accidentally cause others, or if you back into your neighborâs car or injure another passenger or pedestrian. (Yikes!)\\n\\nFor a complete list of [coverages](https://www.lemonade.com/car/explained/what-does-car-insurance-cover/), we recommend getting a quote - especially because Lemonade Car coverage is extremely customizable. Youâll be able to see and make changes to your coverage, [deductible](https://www.lemonade.com/car/explained/car-insurance-deductible/), start date, and more. After you enroll, weâll send you a copy of your new policy by email.\\n\\n## Can I increase or decrease Lemonade Car coverages?\\n\\nSure. Before purchasing a policy, youâll be able to adjust the coverages you need as well as choose the deductibles that work for you for each coverage. Naturally, we have maximum and minimum limits to all coverages. After you buy a policy, youâll be able to view and edit your coverages through the [Lemonade app](https://www.lemonade.com/download).\\n\\n## Who is covered under my Lemonade Car policy?\\n\\nYour policy covers all listed cars and drivers, and you can add up to seven drivers to your Lemonade Car policy. Keep in mind that youâre required to include members of your household on your policy, regardless of how much they drive. That means
1spouses and any licensed or permitted children in the household under 19 must be listed on your policy. What if you let other people drive your car - will they be covered by your policy? Yes! But you wonât be covered if itâs someone who should have been listed on your policy but wasn\'t. [Hereâs some more info about who can drive your cars.](https://www.lemonade.com/car/explained/whos-covered-to-drive-your-car/)\\n\\n## Does my significant other need their own Lemonade Car policy?\\n\\nNope. You should have one policy for the two of you (and for any other drivers you live with or people who regularly drive your cars).\\n\\n## What kinds of things am I covered for with my car insurance policy?\\n\\nYour car insurance covers you for a bunch of things you might experience as a driver. Your policy is broken up into two types of coverage: liability coverage and physical damage.\\n\\nLiability coverage refers to coverage in the case of bodily injury or property damage to other people (or their stuff) as a result of your actions, so it covers you if you get sued after an accident.\\n\\nPhysical damage protects your car if it gets damaged and includes several kinds of coverages:\\n\\n- [Collision coverage](https://www.lemonade.com/car/explained/what-is-collision-coverage/) (like car accidents)\\n- [Comprehensive coverage](https://www.lemonade.com/car/explained/comprehensive-coverage/) (things you canât control like weather, theft and vandalism, hitting an animal, falling objects, and fire)\\n- [Temporary transportation coverage](https://www.lemonade.com/car/explained/temporary-transportation-coverage/) (for a rental or rideshare reimbursement if you canât drive your car)\\n- [Extended glass and windshield](https://www.lemonade.com/car/explained/windshield-crack-repair/) coverage (with a lower, or no, deductible)\\n\\nYou also have additional coverages that states will offer, and sometimes require, to help protect you from other kinds of damages:\\n\\n- [Uninsured/underinsured driver coverage](https://www.lemonade.com/car/explained/what-does-car-insurance-cover/#underinsured) (to protect you if youâre in an accident with someone without insurance, or enough insurance, to cover the damages they caused)\\n- [Medical payments](https://www.lemonade.com/car/explained/medical-payments-coverage/)/[Personal Injury Protection (PIP)](https://www.lemonade.com/car/explained/what-does-car-insurance-cover/#pip) (varies by state, but mostly covers you for medical bills and lost income)\\n\\nYou can customize your policy, so youâll want to make sure you pick the right coverages when you sign up.\\n\\n## What kinds of things are not covered under a Lemonade Car policy?\\n\\nA Lemonade Car policy covers you for a lot, but there are several things that would exclude a claim from being covered, like a car or driver that shouldâve been listed on your policy and wasnât, damage from racing, and something thatâs the result of nuclear waste. Here are some other things you should expect to not be covered by your car insurance policy:\\n\\n- Wear and tear to your car\\n- Accidents that happen when actively using your car for ridesharing\\n- Freezing\\n- Damage done intentionally\\n- Damage to any custom parts to the car over $1k\\n- Things inside your car (although these would be covered by a renters or homeowners policy)\\n- Here\'s a [guide](https://www.lemonade.com/car/explained/what-does-car-insurance-cover/) to what\'s covered and what\'s not under your Lemonade Car policy.\\n\\n## What is liability protection?\\n\\nWe offer [bodily injury](https://www.lemonade.com/car/explained/bodily-injury-liability-insurance-coverage/) and [property damage](https://www.lemonade.com/car/explained/what-does-car-insurance-cover/#liability) protection as part of our car insurance policies. This means Lemonade will hire a lawyer to defend you, and we\'ll pay covered damages you are found liable for, in the event someone claims to be injured due to your actions or negligence, or if thereâs property damage to someone elseâs property caused by your actions or negligence. Make sure to read your policy. If you experience an incident that may fall under this coverage, then make a claim using our app.\\n\\n## Payments\\n\\n## How do I pay for Lemonade? [schema]\\n\\
1nAfter reviewing your coverage summary, youâll be able to pay using your credit or debit card. We will charge you when you pay for your policy, and automatically every month thereafter. If you prefer, you can pay for your policy on a semi-annual basis instead, unless you live in Arizona, California, Oregon, or Washington where your price will change each month based on your mileage.\\n\\n## What if I miss a premium payment? [schema]\\n\\nIf your credit card is declined, weâll ask you to provide us with a different one. Please note, weâll keep bugging you to settle your tab, but eventually, weâll have to cancel your policy. Weâll warn you first.\\n\\n## Availability\\n\\n## Where is Lemonade Car insurance available?\\n\\n[Arizona](https://www.lemonade.com/car/pay-per-mile/explained/arizona-car-insurance/), [California](https://www.lemonade.com/car/explained/california-car-insurance/), [Colorado](https://www.lemonade.com/car/explained/colorado-car-insurance/), [Florida](https://www.lemonade.com/car/explained/florida-car-insurance/), [Illinois](https://www.lemonade.com/car/explained/illinois-car-insurance/), [Indiana](https://www.lemonade.com/car/explained/indiana-car-insurance/), [Missouri](https://www.lemonade.com/car/explained/missouri-car-insurance/), [Ohio](https://www.lemonade.com/car/explained/ohio-car-insurance/), [Oregon](https://www.lemonade.com/car/pay-per-mile/explained/oregon-car-insurance/), [Tennessee](https://www.lemonade.com/car/explained/tennessee-car-insurance/), [Texas](https://www.lemonade.com/car/explained/texas-car-insurance/) and [Washington](https://www.lemonade.com/car/pay-per-mile/explained/washington-car-insurance/).\\n\\nWeâll be rolling out our insurance products in [additional states](https://www.lemonade.com/lemonade-goes-global) in the coming months.\\n\\n## Claims\\n\\n## How do I file a claim?\\n\\nEasy! Just open the [Lemonade app](https://www.lemonade.com/download) and hit the âFile a Claimâ button. We will guide you through the rest of the short process there.\\n\\n## How will I get paid for a claim?\\n\\nAfter you complete the claim report on the [Lemonade app](https://www.lemonade.com/download), you will be asked to enter your bank account information. Once your claim is approved, weâll issue payment, minus the amount of your deductible, directly into your account.\\n\\n## How fast will a claim be paid?\\n\\nOur goal is to pay claims as quickly as possible. There will be cases in which weâll need to wait for external reviews and appraisals before we can approve a claim, and there may be property damage claims or liability claims that take longer to settle. If this is not the first loss youâre reporting, or if some of the information we require is missing from your report, our team will need extra time to manually assess the incident and will most likely get in touch with you for further review.\\n\\n## Why does Lemonade ask me to record a video during the claims process?\\n\\nThereâs no better way for us to understand your incident than by having you tell us in your own words. It only takes a minute to shoot the video. Weâll use your video solely for the process of handling or reviewing your claim.\\n\\n## How do you calculate the value of my car during a claim? [schema]\\n\\nMany factors go into determining a carâs fair market value and appraisal report. An appraisal starts with having all the correct details about your car, like year, make, model, [mileage](https://www.lemonade.com/car/explained/car-insurance-for-low-mileage-drivers/), operating capacity as well as trim level, safety features, feature upgrades, the condition of your carâs paint, carpet, seats, etc. An estimator may do this at a body shop if your car needs [repairs](https://www.lemonade.com/car/explained/car-repair-insurance/), or an outside auto appraiser may be hired to do a valuation. After all of the conditions and features are cross-checked, your car will be compared to other recently sold ones in your area that are similar to your car, with adjustments as needed for mileage and condition.\\n\\n## Are claims handled differently if Iâm using FSD?\\n\\nNo. Your coverage works exactly the same whether you\'re driving manually or using FSD. If damage occurs, we handle your claim just like any other. The FSD discount doesn\'t change your coverage or claims process.\\n\\n## Environmentalism\\n\\n## How is Lemonade Car working to reduce damage to the environment?\\n\\nWe designed our car insurance in a way that holds us accountable to do our part to keep the environment safe, and allows us to reward you for the things youâre already doing to drive as earth-consciously as possible. That means weâll help clean up after your CO2 emissions by planting trees based on your mileage, and give you discounts, in most states, for driving an EV or hybrid car, charge you less
1when you drive less, and provide additional coverages for charging equipment.\\n\\n# Pet Health Insurance\\n\\n## Policy\\n\\n## How do I know what my policy covers?\\n\\nYou get to see a summary of your [coverage](https://www.lemonade.com/pet/explained/pet-insurance/) and a sample of a policy when you sign up, and before you pay. Youâll also be able to edit your coverage and other policy settings such as the deductible, start dates, and more. After payment, we will instantly issue your final policy and send it to you by email. [Hereâs some important info for California pet parents.](https://icebox.lemonade.com/tokens/lftkn-rzlweve38awxrdppbd1i?inline=true)\\n\\n## How do you calculate my premium?\\n\\nPet premiums factor in your petâs breed, age, and optional add-ons that you choose. We also provide a bundling discount for policyholders who hold a pet and home insurance policy from Lemonade, such as homeowners, renters, co-op, or condo insurance.\\n\\n## Does Lemonade require my petâs medical history?\\n\\nAt Lemonade, we require a [medical record](https://www.lemonade.com/pet/explained/pet-medical-records/) that includes info that covers the last 12 and a half months of your petâs life (this includes the 14 day illness waiting period on your policy). If your pet is less than a year old, the medical record should include info from birth through the illness waiting period.\\n\\nWe need a full ânose to tailâ exam of your pet (called SOAP notes by vets). This will usually include:\\n\\n- Notes on the condition of fur, skin, eyes, ears, mouth, joints, and other body systems\\n- Blood test/fecal test results\\n- Details on diet/exercise\\n- Details on current medications\\n- Date of last vaccination\\n- Any medications they are being sent home with today\\n\\n## Can I go to any vet?\\n\\nYou can go to any vet you like in the US. As long as theyâre licensed to provide veterinary care in the state they operate in, itâs fair game.\\n\\n## What if I want to cancel my policy?\\n\\nYou can cancel your policy at any time through the app, and receive a refund for the remaining period youâve paid for. (FYI, canceling your policy will eliminate any potential Giveback associated with your policy.) And if you ever want to return, itâs no problem! Know that our prices change from time to time, so your new policy may come with a different rate. Keep in mind that any illnesses or injuries that occurred or were diagnosed under your former policy will be considered [pre-existing conditions](https://www.lemonade.com/pet/explained/pet-insurance-pre-existing-conditions/) on a future policy.\\n\\n## Can I sign up over the phone? [schema]\\n\\nNo, you can only sign up for Lemonade through our mobile app or our website.\\n\\n## Great prices? I got a quote thatâs higher than my old insurer, what gives?\\n\\nWe say we have great prices, and we mean it. But while our prices tend to be cheaper than the more established players, that wonât always be the case. [Insurers](https://www.lemonade.com/insuropedia/dictionary/insurer/) use different models and data sets to establish prices, and on occasion, our prices will be higher than someone elseâs. Itâs the way statistics work. Also, remember that any leftover money may be donated to a charity of your choosing during the annual Giveback, which is another good reason to choose Lemonade!\\n\\n## How do I change my address for my Lemonade policy?\\n\\nCongrats on the new place! A move has different implications for different kinds of policies. For your pet health insurance policy, you can just open the app and let us know about your change of address.\\n\\n## If I report a loss or have bad credit, will my premium be affected?\\n\\nNo, never. For Lemonade Pet insurance, your claims history and credit score won\'t affect your premiums, no matter how many claims you file.\\n\\n## Coverage\\n\\n## Can I change my coverage after purchase?\\n\\nYou can request to increase your coverage within the first 14 days of your policy, and at your policyâs renewal. However, in most states, you can request to decrease your coverage at any time. All changes are subject to our underwriting teamâs approval.\\n\\n## When does my coverage kick in?\\n\\nDepending on where you live, your policy could have different waiting periods. Here are a few different waiting periods your policy may include:\\n\\n- 2 days for accidents\\n- 14 days for illnesses\\n- 30 days for orthopedic conditions\\n- 6 months for cruciate ligament events (a common knee injury for dogs, similar to a human tearing their ACL)\\n\\nRoutine vet care coverage is not subject to any waiting period.\\n\\nItâs important to review your policy carefully to understand which waiting periods may affect your pet and coverage.\\n\\nThese waiting periods begin on your policyâs start date. We can only offer reimbursement for your claim after the applicable waiting period ends. Thatâs why itâs so important that you buy insurance long before you need it.\\n\\n## What is a deductible?\\n\\nFor a pet health insurance policy, the deductible is the annual amount you contribute before your insurance kicks in, which means it can be used up in one big claim or met after multiple claims over the course of a year.\\n\\n## What is co-insurance?\\n\\nIn case your pet gets sick or hurt, you are responsible for two different kinds of contributions to the costs of your petâs diagnoses and treatments: your deductible, and the remainder of the cost after co-insurance.\\n\\n[Co-insurance](https://www.lemonade.com/pet/explained/co-insurance/) is the percentage of the total cost weâll pay on a claim. So if the co-insurance you chose is 80%, then after your annual deductible is satisfied weâll pay for 80% of covered costs when your pet gets veterinary care, and youâll pay the other 20%. Keep in mind that this is applied to every claim.\\n\\n## Is my roommate covered?\\n\\nNo, you canât share a pet health insurance policy with your roommate.\\n\\n## Can my significant other use this policy?\\n\\nIf youâre married, your spouse will be able to file claims on a policy in your name. If youâre sharing a pet, but not married, youâll need to make sure whoever legally owns the pet has the pet health insurance policy.\\n\\n## What kinds of bad things am I covered for with pet health insurance?\\n\\nYour pet health insurance policy covers the costs of diagnostics and treatments for accidents and illnesses. So if your dog starts throwing up, and it turns out they ate something dangerous, youâd be covered for any medicine or surgery relating to it. You can read more about [whatâs covered here](https://www.lemonade.com/pet/explained/pet-insurance-coverage/).\\n\\n## What kinds of things are not covered under a Lemonade policy?\\n\\nUnfortunately, our policies canât cover everything. For your pet health insurance policy, you wonât be covered for pre-existing conditions, dental care, elective surgeries not related to an accident/illness, or anything that happens as a result of your neglect. We made some cheat sheets of whatâs not covered under your [pet health insurance](https://www.lemonade.com/pet/explained/what-pet-health-insurance-does-not-cover) policies to help you know
1what youâre getting.\\n\\n## Can I extend coverage on my pet health insurance policy? [schema]\\n\\nYes. When you purchase a policy you have the option of toggling on some additional coverages. Our Preventative and Wellness package means weâll pay for preventative care costs (like annual wellness exams, bloodwork, vaccines, and more). Weâll also give you access to live chat with our pet health experts.\\n\\nIf you really want to go above and beyond for your pet you can add the Extended Accident and Illness package, which allows us to reimburse you for treatments for functionality issues (things like physical therapy, acupuncture, and hydrotherapy) that can help your pet through a recovery process. Weâll also pay for vet visit fees that are charged for accidents and illnesses.\\n\\nOf course, there are some exclusions and limits on our coverages, and you can find them clearly explained in our policy.\\n\\n## Why should I add preventative care or add-ons to my pet health insurance policy?\\n\\nOur base pet health insurance policy helps you pay for [diagnostics](https://www.lemonade.com/pet/explained/pet-diagnostics/) and treatments related to accidents and illnesses, but you can add our Preventative or Preventative+ package, as well as our physical therapy and vet visit fees add-ons, to get reimbursed for a whole lot more, and keep your pet healthy.\\n\\n## If my dog bites someone, am I covered?\\n\\nIf your [dog bites someone](https://www.lemonade.com/homeowners/explained/dog-bite-homeowners-insurance/) you\'re covered as part of your renters or homeowners policy, _not_ your pet health insurance policy. However, your renters or homeowners insurance wonât cover you if your dog has a history of biting or if your dog is categorized as high-risk. These breeds can be found in the \'not covered\' section of our policy.\\n\\n## Policy Add-ons\\n\\n## What are the optional add-ons for a pet health insurance policy?\\n\\nIf you add the physical therapy add-on, weâll be able to reimburse treatments for functionality issues (things like physical therapy, acupuncture, and hydrotherapy) that can help your pet through a recovery process. With the vet visit add-on weâll pay for vet visit fees that are charged for accidents and illnesses (thatâs the fee the vet charges for their time and labor, in addition to the actual cost of the treatment).\\n\\n## Whatâs included in Lemonadeâs preventative pet health plans?\\n\\nLemonadeâs preventative plans vary by state, but weâve got options to help keep your pet healthy and happy. Our Routine Vet Care plan is available everywhere we offer pet insurance and covers the basics youâre probably already paying for. This includes one wellness exam per year, up to three vaccines annually, and wellness testing like fecal/parasite tests, bloodwork, and heartworm/FeLV/FIV screening. We also offer Routine Vet Care Plus, which takes things up a notch. This plan gives you unlimited wellness exams and vaccines, plus enhanced wellness testing. In select states, Routine Vet Care Plus also includes Life Essentials coverage, things like spay/neuter, microchip, heartworm and flea/tick prevention medication, deworming, nail trimming, joint screening, genetic testing, and preventative x-rays. We also offer dental coverage as a separate add-on. This includes dental illness coverage, and in some states, routine dental cleanings are included too. Weâre constantly improving our plans and rolling out updated versions to better serve pet parents. When you get a quote, youâll see exactly which plans and add-ons are available for your pet. Make sure to check the details of your policy to understand exactly what youâre covered for.\\n\\n## Payments\\n\\n## How do I pay for Lemonade?\\n\\nAfter reviewing your coverage summary and having an opportunity to look at a sample policy, youâll be able to pay using your credit or debit card. We will charge you when you pay for your policy, and every month thereafter. If you prefer, you can pay for your policy on an annual basis instead.\\n\\n## How do claim payments work?\\n\\nOur pet health insurance is on a reimbursement basis, so we will reimburse you for our part of approved claims.\\n\\n## What if I miss a premium payment?\\n\\nIf your credit card is declined, weâll ask you to provide us with a different one. Please note, weâll keep bugging you to settle your tab, but eventually, weâll have to cancel your policy. Weâll warn
1you first.\\n\\n## Availability\\n\\n## Where is Lemonade pet health insurance available?\\n\\n[Alabama](https://www.lemonade.com/pet/explained/alabama-pet-insurance-guide/), [Arizona](https://www.lemonade.com/pet/explained/arizona-pet-insurance-guide/), [Arkansas](https://www.lemonade.com/pet/explained/arkansas-pet-insurance-guide/), [California](https://www.lemonade.com/pet/explained/california-pet-insurance-guide/), [Colorado](https://www.lemonade.com/pet/explained/colorado-pet-insurance-guide/), [Connecticut](https://www.lemonade.com/pet/explained/connecticut-pet-insurance-guide/), [Delaware](https://www.lemonade.com/pet/explained/delaware-pet-insurance/), [District of Columbia](https://www.lemonade.com/pet/state/dc-pet-insurance/), [Florida](https://www.lemonade.com/pet/explained/florida-pet-insurance-guide/), [Georgia](https://www.lemonade.com/pet/explained/georgia-pet-insurance-guide/), [Hawaii](https://www.lemonade.com/pet/explained/hawaii-pet-insurance/), [Illinois](https://www.lemonade.com/pet/explained/illinois-pet-insurance-guide/), [Indiana](https://www.lemonade.com/pet/explained/indiana-pet-insurance-guide/), [Iowa](https://www.lemonade.com/pet/explained/iowa-pet-insurance-guide/), [Kentucky](https://www.lemonade.com/pet/explained/kentucky-pet-insurance-guide/), [Louisiana](https://www.lemonade.com/pet/state/louisiana-pet-insurance/), [Maine](https://www.lemonade.com/pet/state/maine-pet-insurance/), [Maryland](https://www.lemonade.com/pet/explained/maryland-pet-insurance-guide/), [Massachusetts](https://www.lemonade.com/pet/explained/massachusetts-pet-insurance-guide/), [Michigan](https://www.lemonade.com/pet/explained/michigan-pet-insurance-guide/), [Minnesota](https://www.lemonade.com/pet/explained/minnesota-pet-insurance-guide/), [Mississippi](https://www.lemonade.com/pet/explained/mississippi-pet-insurance-guide/), [Missouri](https://www.lemonade.com/pet/explained/missouri-pet-insurance-guide/), [Montana](https://www.lemonade.com/pet/state/montana-pet-insurance/), [Nebraska](https://www.lemonade.com/pet/explained/nebraska-pet-insurance-guide/), [Nevada](https://www.lemonade.com/pet/explained/nevada-pet-insurance-guide/), [New Hampshire](https://www.lemonade.com/pet/explained/new-hampshire-pet-insurance-guide/), [New Jersey](https://www.lemonade.com/pet/explained/new-jersey-pet-insurance-guide/), [New Mexico](https://www.lemonade.com/pet/explained/new-mexico-pet-insurance-guide/), [New York](https://www.lemonade.com/pet/explained/new-york-pet-insurance-guide/), [North Carolina](https://www.lemonade.com/pet/explained/north-carolina-pet-insurance-guide/), [North Dakota](https://www.lemonade.com/pet/state/north-dakota-pet-insurance/), [Ohio](https://www.lemonade.com/pet/explained/ohio-pet-insurance-guide/), [Oklahoma](https://www.lemonade.com/pet/explained/oklahoma-pet-insurance-guide/), [Oregon](https://www.lemonade.com/pet/explained/oregon-pet-insurance-guide/), [Pennsylvania](https://www.lemonade.com/pet/explained/pennsylvania-pet-insurance-guide/), [Rhode Island](https://www.lemonade.com/pet/explained/rhode-island-pet-insurance-guide/), [South Carolina](https://www.lemonade.com/pet/explained/south-carolina-pet-insurance-guide/), [Tennessee](https://www.lemonade.com/pet/explained/tennessee-pet-insurance-guide/), [Texas](https://www.lemonade.com/pet/explained/texas-pet-insurance-guide/), [Utah](https://www.lemonade.com/pet/explained/utah-pet-insurance-guide/), [Virginia](https://www.lemonade.com/pet/explained/virginia-pet-insurance-guide/), [Washington](https://www.lemonade.com/pet/explained/washington-pet-insurance-guide/), and [Wisconsin](https://www.lemonade.com/pet/explained/wisconsin-pet-insurance-guide/)\\n\\nWeâll be rolling out our insurance products in [additional states](https://www.lemonade.com/blog/lemonade-expansion-united-states/) in the coming year.\\n\\n## Claims\\n\\n## How do I file a claim?\\n\\nEasy! Just open the [Lemonade app](https://www.lemonade.com/download) and hit the âFile a Claimâ button. We will guide you through the rest of the short process there.\\n\\n## How will I get paid for a claim? [schema]\\n\\
1nAfter you complete the claim report on the [Lemonade app](https://www.lemonade.com/download), you will be asked to enter your bank account information. Once your claim is approved, weâll issue payment, minus the amount of your contribution, directly into your account.\\n\\n## How fast will a claim be paid?\\n\\nOur goal is for the majority of simple claims to be paid almost instantly. For a pet health insurance policy, this could mean covering the costs of a procedure or test before leaving your vetâs office. There will be cases in which weâll need to fully review the claim in order to approve it, and there will be claims that may take longer to settle. If this is not the first claim you are filing, or if some of the information we require is missing from your report, our team will need extra time to manually assess the incident and will most likely get in touch with you for further review.\\n\\n## Whatâs considered a claim emergency?\\n\\nFor your pet health insurance policy, these claims could be anything from a car accident to ingestion of a [toxic food](https://www.lemonade.com/pet/explained/toxic-foods-dogs/) requiring immediate surgery. For emergencies, you should contact your pet care provider as soon as possible, and file a claim on the [Lemonade app](https://www.lemonade.com/download) when youâre ready.\\n\\n## Will my credit score be affected by applying for a policy?\\n\\nNo. We sometimes perform a âsoftâ credit check, but this does not affect your credit score in any way. We may have to run this check in order to complete your policy pricing.\\n\\n## What documentation do you need from me?\\n\\nWhen it comes to claims for your petâs health, youâll need to send us the invoice and the receipt from your vet or clinic. If that sounds like a headache, donât worry, your vet/clinic will know what documentation is necessary for us to help cover costs. Keep in mind that in order to participate in the payment of your petâs care, weâll need to have a medical exam on file from the 12 months prior to your policy periodâs start date, or from the first two weeks after you sign up. We may also ask for additional information from your vet when handling a claim.\\n\\n# Life Insurance\\n\\n## Policy\\n\\n## How does term life insurance work at Lemonade?\\n\\nWe offer term life insurance policies through our partners at Banner Life. You start the application process on Lemonade, where youâll answer a few basic questions about yourself and your health.\\n\\nFrom there, weâll transfer you over to Banner Life where you can finish up your application and customize your policy.\\n\\n[Ready to try it out? Click here](https://www.lemonade.com/products/) to get started.\\n\\n## Who can apply for coverage?\\n\\nAnyone between 20 and 75 years of age can apply.\\n\\n## I was declined. Why?\\n\\nSadly, not everyone can be approved for a term life policy - whether thatâs due to your health background or lifestyle factors.\\n\\n## What kind of life insurance does Lemonade offer?\\n\\nTerm life insurance. You can apply for a policy that lasts for either 10, 15, 20, 25, 30, 35, or 40 years, with coverage starting at $100,000 to help protect your family in the event of your loss.\\n\\n## Is a medical exam required?\\n\\nIn some cases a medical exam will be required in order to offer you coverage. Whether or not youâre required to get a medical exam will be determined based on the medical information you provide. A medical exam helps our partner, Banner Life to offer you the best price for your policy.\\n\\n## What happens when the policy term ends?\\n\\nYour policy will simply expire. If youâd like to get another policy after it expires, youâre welcome to reapply.\\n\\n## Can I cancel at any time?\\n\\nYou sure can! There is never any charge for voluntarily canceling your policy. We even offer a 30-day free look period, so you\'ll get a full refund of your first month\'s premium if you cancel within the first 30 days. To cancel your policy, you can call us at 844-733-8666.\\n\\n## How much does life insurance cost at Lemonade?\\n\\nPolicies start at around $8/mo, though your customized premium depends on several factors, including how much coverage you get (and for how long), as well as your age, lifestyle, health background, and location.\\n\\n## Will my price change over the years?\\n\\nNope. Whether you choose a 10, 15, 20, 25, 30, 35, or 40 year term, your premium is locked in for the entire period.\\n\\n## Is my information kept confidential?\\n\\nWeâre obsessed with our customersâ privacy (see our [Privacy Pledge](https://www.lemonade.com/privacy-policy)). We will never sell your information to any third party. Note that, in order to provide our service, we may
1need to transfer information to our partners and providers, solely for the purposes of regulatory and financial audits; running our service and resolving an incident; or obtaining a term life policy and settling claim benefits.\\n\\n## What about beneficiaries?\\n\\nThere are two types: primary and contingent. Primary beneficiaries are the first in line to get benefits; contingent only get benefits if the primary beneficiaries die or canât accept benefits.\\n\\n## Can I change my policy?\\n\\nYou can apply to make changes to your policy directly through Banner Life. Changes could include: coverage increases or decreases, beneficiary changes, term changes, and payment plans.\\n\\n## Coverage\\n\\n## Who should I list as my beneficiary if something happens to me?\\n\\nYou can name your current or former spouse, domestic partner, parents, kids, business partner, fianc\xe9 or fianc\xe9e, sibling, grandparent, or an organization or institution.\\n\\nIf youâre looking to give your partner and kids financial support, your spouse might be the right choice. If youâd like to support your business, your business partner would be sensible. Youâll need to choose the first in line to receive a payout (your âprimary beneficiary,â in insurance speak), and you also have the option to select a backup (aka, your âcontingent beneficiaryâ).\\n\\n## What kinds of things are not covered under a term life policy?\\n\\nTerm life doesnât cover death from suicide in the first 2 years of your policy.\\n\\nAlso, if any inaccurate or false information was provided when signing up for life insurance, we canât cover the claim. Rest assured that the sign-up process is simple, clear, and easy, to avoid any confusion.\\n\\n## Whatâs the difference between term life and whole life insurance?\\n\\nTerm life insurance is the cheapest way to protect your loved ones from financial hardship in case you pass. Term life policies can cover you for 10, 15, 20, 25, 30, 35, or 40 years, while whole life insurance (a type of âpermanentâ life insurance) covers you for your entire life. Whole life policies build cash value, so they tend to be more pricey. For more info about term life vs. whole life, [check out our guide](https://www.lemonade.com/life/explained/term-vs-whole-life-insurance/).\\n\\n## Where can I find more coverage details?\\n\\nWhen you apply on Lemonade, you will see a quote estimation before you finalize the application process with Banner Life. From there, they will provide support and additional information around your coverage, payments, and more.\\n\\n## Trust\\n\\n## Will you be around in 40 years?\\n\\nAbsolutely. Our term life insurance is issued by Banner Life, who have been around for more than 180 years!\\n\\n## Availability\\n\\n## Where is Lemonadeâs term life offering available?\\n\\nIn every state across the US, except New York. In other words, term life at Lemonade is available in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington, D.C., West Virginia, Wisconsin, and Wyoming.\\n\\n## Switching\\n\\n## Can I switch to Lemonade if I already have an active life insurance policy?\\n\\nYes, in most states. You can either keep your original term life policy as a supplement, or cancel it entirely via your current insurer. Take note that regulations prevent us from replacing an existing term life policy in Florida, Georgia, Indiana, Kansas, Michigan, Nevada, Oklahoma, and Wyoming.\\n\\n## I have term life insurance through work. Is that enough?\\n\\nAny life insurance is surely better than none, but take note that employer-based insurance generally only provides coverage amounting to 1-2 times your salary, which may not be enough for your familyâs future financial needs. It is recommended to get an additional term life policy alongside the one you might have through work.\\n\\n# Giveback\\n\\n## What is the Lemonade Giveback?\\n\\nThe Lemonade Giveback is how we support amazing nonprofits who are doing good in the world.\\nWhen you get your first Lemonade policy, you choose a cause, and throughout the year, your policy helps support nonprofits working on that cause. When everyone knows their insurance supports important work, it brings out the best in all of us. Customers and our claims team alike understand that good luck and responsible choices mean more support flowing to the causes our community picked.\\n\\nSince 2017, we\'ve donated over $12M to help build homes, provide clean water, improve education, support animal rights, and more. As a Certified B Corporation, we\'re legally committed to balancing profit with purpose, and Giveback is how that commitment shows up in your everyday insurance experience.\\n\\nNote: Giveback doesn\'t apply to life insurance.\\n\\n## When do you pay the Giveback?\\n\\nGiveback happens throughout the year as your policy supp
1orts the causes you chose. It\'s ongoing support, not a single annual donation, so your insurance connects to real impact all year long.\\n\\n## How do you choose which nonprofits to give back to?\\n\\nWe work with organizations that align with our mission of transparency and taking stands. We listen to customer suggestions and respond to current events, constantly adding local, national, and global nonprofits to our list.\\n\\nWe assess every nonprofit based on transparency, financial practices, and high ratings from Charity Navigator. Find the full list of [Giveback partners here](https://www.lemonade.com/blog/social-impact-meets-insurance/).\\n\\n## How often can I change causes?\\n\\nOnce you pick a cause, it will be set until we pay the next annual Giveback. Once the Giveback is paid, you will have an opportunity to pick a new cause.\\n\\n## How can I add my cause to your Giveback program?\\n\\nWeâll be happy to consider your cause for our Giveback program. For more information, reach out to us at [email protected].\\n\\n## Is the Giveback guaranteed?\\n\\nNo. Giveback is part of our corporate policy, and our plan is to pay it every year. But sometimes, groups choosing the same Giveback charity will not have any money left to give back because their claims depleted the Giveback pool. Paying claims is our top priority, and in extreme circumstances could come at the expense of Giveback. Check out our most recent [Giveback](https://www.lemonade.com/giveback-2020).\\n\\n## What happens to my Giveback if I cancel my policy?\\n\\nLemonade only pays a Giveback with respect to active policies.\\n","code":"var Component=(()=>{var u=Object.create;var i=Object.defineProperty;var p=Object.getOwnPropertyDescriptor;var m=Object.getOwnPropertyNames;var y=Object.getPrototypeOf,w=Object.prototype.hasOwnProperty;var f=(n,e)=>()=>(e||n((e={exports:{}}).exports,e),e.exports),g=(n,e)=>{for(var a in e)i(n,a,{get:e[a],enumerable:!0})},l=(n,e,a,t)=>{if(e&&typeof e==\\"object\\"||typeof e==\\"function\\")for(let r of m(e))!w.call(n,r)&&r!==a&&i(n,r,{get:()=>e[r],enumerable:!(t=p(e,r))||t.enumerable});return n};var v=(n,e,a)=>(a=n!=null?u(y(n)):{},l(e||!n||!n.__esModule?i(a,\\"default\\",{value:n,enumerable:!0}):a,n)),b=n=>l(i({},\\"__esModule\\",{value:!0}),n);var c=f((C,s)=>{s.exports=_jsx_runtime});var I={};g(I,{default:()=>h,frontmatter:()=>k});var 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Lemonade is a fully licensed and regulated insurance company, which means that we underwrite, price, and sell policies, as well as handle and pay claims.\\"]}),`\\n`,(0,o.jsx)(e.p,{children:\\"We\\\\u2019re a public benefit corporation and certified B-Corp, so doing good is built into everything we do. Through our Giveback program, part of what you pay supports causes you choose when you buy your first policy.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-is-lemonades-business-model-different-from-that-of-a-traditional-insurance-carrier\\",children:\\"How is Lemonade\\\\u2019s business model different from that of a traditional insurance carrier?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Traditional insurance companies generate profits from whatever premium is left after paying claims and expenses. This insurance business model could create conflict between the insurance company and its customers.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Lemonade was built differently.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Funds not needed for claims are directed to the nonprofits our customers support (this is called the Lemonade Giveback).\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"This way, our customers enjoy amazing insurance, and society gets a little push for the better. It also means that we\'re happy to pay claims fast and with no hassle.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Note: The Lemonade Giveback program doesn\'t apply to the life insurance product.\\"}
1),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-are-you-using-my-premium-dollars\\",children:\\"How are you using my premium dollars?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Glad you asked! Lemonade keeps a fixed percentage from the premiums we collect. This pays for developing loads of cool tech, running an insurance company (including salaries, rent, and such), and hopefully making some profit! Because it\\\\u2019s a fixed fee, our desire for profit does not conflict with our duty to pay claims.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Here\\\\u2019s how that works:\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Lemonade is a fully licensed and regulated insurance company, which means that we underwrite, price, and sell policies, as well as handle and pay claims.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"We take a flat fee from all premiums paid by our customers, and use the rest of that money to run our business, handle claims, and pay for reinsurance. If there\\\\u2019s money left, we donate it to causes. So unlike traditional insurance companies, we\\\\u2019re not incentivized to deny claims because any remaining funds will never end up in our pockets.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-is-lemonade-structured\\",children:\\"How is Lemonade structured?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Lemonade, Inc., a publicly traded company, is listed on the New York Stock Exchange, and is a public benefit corporation organized under Delaware law.\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Lemonade Inc. is the parent company for a group of subsidiary companies.\\\\xA0 More about the group structure can be found in our \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/legal-stuff\\",children:\\"Legal Stuff section.\\"})]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-i-get-lemonade-insurance\\",children:\\"How do I get Lemonade insurance?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Lemonade policies are primarily sold online through our website or our \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/download\\",children:\\"mobile apps\\"}),\\". Customers are required to download the app in order to manage their policy, get help from our team, and file claims.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-kind-of-policies-does-lemonade-offer\\",children:\\"What kind of policies does Lemonade offer?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"We currently offer \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters\\",children:\\"renters\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/condo\\",children:\\"condo\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/coop-insurance/\\",children:\\"co-op\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners\\",children:\\"homeowners\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car\\",children:\\"car\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/life\\",children:\\"life\\"}),\\", and \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet\\",children:\\"pet health insurance\\"}),\\".\\"]}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"We\\\\u2019re constantly working on new and exciting products and features. We recommend following us on \\",(0,o.jsx)(e.a,{href:\\"https://twitter.com/lemonade_inc\\",children:\\"Twitter\\"}),\\" to get updates about new stuff as it becomes available.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"is-lemonade-reinsured\\",children:\\"Is Lemonade reinsured?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"We are. Some of the biggest reinsurers in the world are reinsuring Lemonade. Names like Swiss Re, Munich Re, and Hannover Re are just part of the list.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"when-can-i-expect-lemonade-to-be-available-in-my-state\\",children:\\"When can I expect Lemonade to be available in my state?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Lemonade is already available in Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin. For everyone else - we\\\\u2019re coming soon, so stay tuned \\",(0,o.jsx)(e.a,{href:\\"https://twitter.com/lemonade_inc\\",children:\\"on X\\"}),\\" \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/lemonade-goes-global\\",children:\\"or sign up here\\"}),\\" for updates.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"are-you-financially-rated\\",children:\\"Are you financially rated?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Yes. We\'ve earned a Financial Stability Rating\\\\xAE of A-Exceptional from Demotech Inc., and are reinsured by some of the industry\\\\u2019s largest brands.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-can-i-reach-you\\",children:\\"How can I reach you?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"If you have a Lemonade policy or have had one in the past and \\",(0,o.jsx)(e.a,{href:\\"https://me.lemonade.com/?open_cxai=true\\",children:\\"need help now, click here\\"}),\\" to get started. Otherwise, you can always get in touch with our team through our app or website.\\"]}),`\\n`,(0,o.jsx)(e.p,{children:\\"Lemonade has a network of emergency response and repair partners enabling us to respond to just about any incident at just about any time.\\"}
1),`\\n`,(0,o.jsx)(e.p,{children:\\"For emergencies relating to your car, home, and property where you don\'t have access to our app or website, you may call us at (844) 733-8666.\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"To reach Lemonade about a car claim via email you may contact us at \\",(0,o.jsx)(e.a,{href:\\"mailto:[email protected]\\",children:\\"[email protected]\\"})]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-you-keep-my-information-private\\",children:\\"How do you keep my information private?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"We highly value and respect your privacy (\\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/privacy-policy\\",children:\\"see our Privacy Policy\\"}),\\"). We will never sell your information, or share it with anyone except for the purposes of providing our services and promoting our business.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-does-being-a-public-benefit-corporation-and-b-corp-mean\\",children:\\"What does being a public benefit corporation and B-Corp mean?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"B Corp\\\\xAE is a certification granted to for-profit companies that meet rigorous standards of social and environmental performance, accountability, and transparency. Although Lemonade seeks to make a profit, our mission is also to be a force for public good. Lemonade Inc. is a \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/blog/worlds-public-benefit-insurance-company/\\",children:\\"public benefit corporation\\"}),\\" organized under Delaware law, which means that it is legally permitted to consider the interests of all our constituents, not solely the interests of our owners, in operating our business.\\"]}),`\\n`,(0,o.jsx)(e.h1,{id:\\"homeowners-insurance\\",children:\\"Homeowners Insurance\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"policy\\",children:\\"Policy\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-you-calculate-the-cost-of-a-lemonade-homeowners-policy\\",children:\\"How do you calculate the cost of a Lemonade Homeowners policy?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Homeowner premiums are calculated individually for each \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/insuropedia/dictionary/policyholder/\\",children:\\"policyholder\\"}),\\" and are based on a number of different factors, including the value, condition, and construction quality of your home, as well as your insurance history, previous claims and more.\\"]}),`\\n`,(0,o.jsx)(e.p,{children:\\"Here are things that could affect your homeowners price:\\"}),`\\n`,(0,o.jsxs)(e.ul,{children:[`\\n`,(0,o.jsx)(e.li,{children:\\"The more coverage you add the higher the premium gets\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"The higher deductible you choose, the lower the price will get\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"Better maintained homes and low risk areas cost less to insure\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"Insurance history that\\\\u2019s full of claims will increase your price, and in some cases even prevent us from being able to cover you\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"Protective devices such as deadbolts, burglar alarms, and smoke alarms will get you a discount\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"Bundling with other Lemonade products, such as pet insurance, will get you a discount\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"Paying annually will reduce your premium\\"}),`\\n`]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-can-i-lower-my-homeowners-policy-price\\",children:\\"How can I lower my homeowners policy price?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Your policy price (\\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/insuropedia/dictionary/insurance-premium/\\",children:\\"the premium\\"}),\\"\\\\u2019) is mostly affected by the coverage amounts of your policy, which you can easily adjust before payment. A higher \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/what-is-a-deductible/\\",children:\\"deductible\\"}),\\" may lower your price. Your deductible is the amount that will be deducted from any claim payment you may receive. Think of it as your participation in the damage or loss.\\"]}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"In addition, your rate may be reduced if you live in areas that are less susceptible to environmental,
1crime, or weather-related damages and if you own protective equipment such as fire and burglar alarms. You\\\\u2019ll also score discounts on both policies \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/homeowners-and-car-insurance-bundle/\\",children:\\"if you bundle your Lemonade Homeowners policy with our car\\"}),\\" or pet insurance.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"im-buying-a-new-home-how-do-i-change-the-address-on-my-lemonade-policy\\",children:\\"I\\\\u2019m buying a new home, how do I change the address on my Lemonade policy?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Congrats on the new place!\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"If you haven\\\\u2019t moved in yet, we recommend keeping your renters insurance active, and getting a new homeowners policy for your new home. After you\\\\u2019ve moved out of your rental apartment and into your home, use the \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/download\\",children:\\"Lemonade app\\"}),\\" to cancel your renters policy.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"if-i-report-a-loss-or-have-bad-credit-will-my-premium-be-affected\\",children:\\"If I report a loss or have bad credit, will my premium be affected?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"It might. History shows that people with poor credit or who have a record of making claims are more likely to make claims in the future. In fairness, our rates take many relevant data points into account. Your credit and claims history are two of many factors that may influence your rate, and are dependent on the laws of the state where policies are issued.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"will-my-credit-score-be-affected-by-applying-for-a-policy\\",children:\\"Will my credit score be affected by applying for a policy?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"No. We sometimes perform a \\\\u2018soft\\\\u2019 credit check, but this does not affect your credit score in any way. We may have to run this check in order to complete your policy pricing.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-if-the-closing-date-of-my-new-home-changes\\",children:\\"What if the closing date of my new home changes?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"No worries! If your closing date changes we can easily update it. Just drop a note to \\",(0,o.jsx)(e.a,{href:\\"mailto:[email protected]\\",children:\\"[email protected]\\"}),\\" or give our homeowners team a call at 1-844-733-8666.\\"]}),`\\n`,(0,o.jsx)(e.p,{children:\\"BTW, if your closing falls through, we can cancel the policy at no charge.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-i-cancel-my-lemonade-homeowners-policy\\",children:\\"How do I cancel my Lemonade Homeowners policy?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"You can cancel your policy at any time through the \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/download\\",children:\\"Lemonade app\\"}),\\" and receive a refund for the remaining period you\\\\u2019ve paid for. If you ever want to come back, we\\\\u2019d love to have you! But please be aware that insurance prices change from time to time, so your new policy may come with a different rate.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"great-prices-i-got-a-quote-thats-higher-than-my-old-insurer-what-gives\\",children:\\"Great prices? I got a quote that\\\\u2019s higher than my old insurer, what gives?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"We say we have great prices, and we mean it. But while our prices tend to be cheaper than those of the more established players, that won\\\\u2019t always be the case. \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/insuropedia/dictionary/insurer/\\",children:\\"Insurers\\"}),\\" use different models and data sets to establish prices, and on occasion, our prices will be higher than someone else\\\\u2019s. It\\\\u2019s the way statistics work. If it\\\\u2019s any comfort, please remember that any leftover money will be donated to a charity of your choosing\\\\u2026 that\\\\u2019s a good reason to go with Lemonade!\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"coverage\\",children:\\"Coverage\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-does-a-lemonade-homeowners-policy-cover\\",children:\\"What does a Lemonade Homeowners policy cover?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"A Lemonade Homeowners policy covers your home and property for damages caused by things like \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/fire-damage/\\",children:\\"wildfires\\"}),\\", extreme weather, crime, and vandalism. It also protects you against liability claims for damages you accidentally cause others, like if you cut a tree down in your yard and it falls on your neighbor\\\\u2019s car. In cases where your home becomes unlivable, we\\\\u2019ll also cover the costs of alternative living arrangements.\\"]}),`\\n`,(0,o.jsx)(e.p,{children:\\"For a complete list of coverages, we recommend getting a quote. You\\\\u2019ll be able to see and make changes to your coverage, deductible, start date, and more. After buying a policy, we\\\\u2019ll send you a copy of your new policy by email.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"can-i-increase-or-decrease-lemonade-homeowners-coverages\\",children:\\"Can I increase or decrease Lemonade Homeowners coverages?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Sure. Before purchasing a policy, you\\\\u2019ll be able to adjust the coverages you need as well as choose a deductible that works for you. Naturally, we have maximum and minimum limits to all coverages. Your \\\\u201CReplacement Cost\\\\u201D coverage limits (the estimated cost of completely rebuilding your home) can be modified within reason, as this is regulated in order to prevent unnecessary risk-taking.\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"After you buy a policy, you\\\\u2019ll be able to view and edit your coverages through the \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/download\\",children:\\"Lemonade app\\"}),\\".\\"]}
1),`\\n`,(0,o.jsx)(e.h2,{id:\\"is-my-spouse-covered-under-my-lemonade-homeowners-policy\\",children:\\"Is my spouse covered under my Lemonade Homeowners policy?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"The short answer is yes, but we recommend adding their name to your policy.\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"You\'ll be happy to know that your policy automatically covers all residents of your \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/who-does-your-policy-cover/\\",children:\\"household\\"}),\\" who are related to you by marriage, blood, or adoption.\\"]}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Just make sure you buy enough coverage to cover everyone\\\\u2019s \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/personal-property/\\",children:\\"personal property\\"}),\\". Remember to take everyone\\\\u2019s laptops, bikes, electronics, jewelry, musical instruments, and clothing into consideration.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"is-my-significant-other-covered-under-my-lemonade-homeowners-policy\\",children:\\"Is my significant other covered under my Lemonade Homeowners policy?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"If you\\\\u2019re living with your significant other, we recommend adding their name to your policy (at a minor additional cost). Beyond adding their name, make sure you update your Personal Property coverage to include the stuff they keep in your home as well.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-kinds-of-things-am-i-covered-for-with-my-home-insurance-policy\\",children:\\"What kinds of things am I covered for with my home insurance policy?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Your homeowners insurance policy covers your home against perils (aka, bad stuff like fire, windstorm, or an explosion). But it does more than that.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Your policy is broken up into six types of coverage:\\"}),`\\n`,(0,o.jsxs)(e.ul,{children:[`\\n`,(0,o.jsxs)(e.li,{children:[(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/dwelling-coverage/\\",children:\\"Dwelling Coverage\\"}),\\" (aka coverage for your actual house)\\"]}),`\\n`,(0,o.jsxs)(e.li,{children:[(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/other-structures/\\",children:\\"Other Structures\\"}),\\" coverage (your driveway, fence, tool shed, etc)\\"]}),`\\n`,(0,o.jsxs)(e.li,{children:[(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/personal-property/\\",children:\\"Personal Property\\"}),\\" (your stuff)\\"]}),`\\n`,(0,o.jsxs)(e.li,{children:[(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/loss-of-use/\\",children:\\"Loss of Use\\"}),\\" will help with additional living expenses (like hotel bills) if your place becomes uninhabitable due to a peril like a fire, windstorm, etc.\\"]}),`\\n`,(0,o.jsxs)(e.li,{children:[\\"Liability Coverage or \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/personal-liability/\\",children:\\"personal liability\\"}),\\" insurance refers to coverage in the case of bodily injury or property damage to other people (or their stuff) as a result of your actions - at your home, and anywhere else\\"]}),`\\n`,(0,o.jsx)(e.li,{children:\\"Medical Payments to help pay for medical bills, under $5,000 in most cases, that you incur if something happens to guests while at your place\\"}),`\\n`]}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Be sure to figure out \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/how-much-homeowners-insurance-do-i-need/\\",children:\\"how much homeowners insurance coverage you need\\"}),\\".\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"am-i-covered-if-something-i-own-gets-stolen-outside-of-my-home-or-apartment\\",children:\\"Am I covered if something I own gets stolen outside of my home or apartment?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Yes. A Lemonade Homeowners policy covers your personal property \\\\u201Canywhere in the world\\\\u201D (that\\\\u2019s straight from our policy).\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"If your bike gets stolen from in front of your apartment or your laptop gets stolen from your local coffee shop, you are covered up to your policy\\\\u2019s Personal Property limit. Your deductible applies, and we\'ll also need you to \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/how-to-file-theft-claim/\\",children:\\"file a police report\\"}),\\" with the officer\\\\u2019s name, precinct/department, and report number. Keep in mind, a stolen pet is not covered under any of our policies.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-kinds-of-things-are-not-covered-under-a-lemonade-policy\\",children:\\"What kinds of things are not covered under a Lemonade policy?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Unfortunately, insurance doesn\\\\u2019t cover e-v-e-r-y annoying thing that can happen. Things like your power, water, or heat going out in the dead of winter, or a \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/bed-bugs-explained/\\",children:\\"bed bug infestation\\"}),\\", aren\\\\u2019t covered by homeowners policies. That means we can\\\\u2019t reimburse you if any of those things happen.\\"]}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"We also don\\\\u2019t cover personal property that gets mistakenly lost or broken. Here\'s a \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/what-homeowners-insurance-covers/\\",children:\\"guide\\"}),\\" to what\'s covered and what\'s not under your homeowners policy.\\"]}
1),`\\n`,(0,o.jsx)(e.h2,{id:\\"is-my-laptop-covered\\",children:\\"Is my laptop covered?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Yes! Your Lemonade Homeowners policy covers your personal electronic equipment up to the amount you select for your Personal Property limit when signing up. Coverage for \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/laptop-insurance/\\",children:\\"laptops\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/mobile-phone-insurance-theft/\\",children:\\"phones\\"}),\\", tablets, TVs, and other personal electronics are all included, as standard, in the policy. Please note that this is coverage against the list of specific, named perils mentioned in the policy such as theft, \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/fire-damage/\\",children:\\"fire\\"}),\\", explosion, \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/vandalism/\\",children:\\"vandalism\\"}),\\", etc. Be careful with that computer, because your policy doesn\\\\u2019t cover loss or breakage if you drop it!\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"if-my-dog-bites-someone-am-i-covered\\",children:\\"If my dog bites someone, am I covered?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Generally, yes, if your \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/dog-bite-homeowners-insurance/\\",children:\\"dog bites someone you\'re covered\\"}),\\" under your homeowners policy. However, you\'re not covered if your dog has a history of biting or if your dog is categorized as a high-risk breed. These breeds can be found in the \'not covered\' section of your policy.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"is-my-self-storage-locker-covered-under-a-renters-or-homeowners-policy\\",children:\\"Is my self-storage locker covered under a renters or homeowners policy?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"For personal property stored in a self-storage facility, or usually stored at a place other than your home, our policy covers you for theft up to a limit of $1,000. Note, if you\\\\u2019re in NY, CA, or CT, our policy covers your personal property in self-storage units for up to 10% of your Coverage C (Personal Property limit). Make sure to review your policy to understand the amount of coverage you have.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Oh, and if your personal property is stored in the basement of your condo or apartment building, it\\\\u2019s covered because it\\\\u2019s still at your home address.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"do-you-offer-earthquake-coverage\\",children:\\"Do you offer earthquake coverage?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"We currently offer earthquake insurance policies for our homeowners in California. We\\\\u2019re looking to expand this offering to other states, so stay tuned.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"It\\\\u2019s worth noting that your base policy already covers direct loss caused by fire, explosion, or theft resulting from earthquakes.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-is-a-hurricane-deductible\\",children:\\"What is a hurricane deductible?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"A \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/your-hurricane-questions-answered/#hurricane-deductible\\",children:\\"hurricane deductible\\"}),\\" works just like a normal deductible, but only applies if the damage is caused by a hurricane. You\'ll see it listed clearly next to your normal deductible in the app and in your policy.\\"]}),`\\n`,(0,o.jsx)(e.p,{children:\\"These are typically for homeowner policies, but can apply in other cases. You\'ll see it clearly next to your normal deductible in the app and in your policy.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-is-liability-protection\\",children:\\"What is liability protection?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"We offer \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/personal-liability/\\",children:\\"Personal Liability\\"}),\\" protection as part of our homeowners policies. This means Lemonade will hire a lawyer to defend you, and we\'ll pay covered damages you are found liable for, in the event someone claims to be injured due to your actions or \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/negligence/\\",children:\\"negligence\\"}),\\", or if there\\\\u2019s property damage to someone else\\\\u2019s property caused by your actions or negligence. Make sure to read your policy. If you experience an incident that may fall under this coverage, then make a claim using our app.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"extra-coverage\\",children:\\"Extra Coverage\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-i-add-extra-coverage-for-my-expensive-items\\",children:\\"How do I add Extra Coverage for my expensive items?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"We can help add \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/scheduled-personal-property-coverage/\\",children:\\"Extra Coverage\\"}
1),\\" to your renters or homeowners policy for your fine art, jewelry, watches, camera bodies and lenses, musical instruments, and some other personal property. Doing so is easy through the \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/download\\",children:\\"Lemonade app\\"}),\\". We\\\\u2019ll ask you for photos of those items, as well as a receipt or appraisal. We\\\\u2019ll be offering the ability to add Extra Coverage for other types of property soon, but in the meantime, you can rest easy knowing the policy \\",(0,o.jsx)(e.em,{children:\\"already\\"}),\\" has basic coverage built in for your big purchases like furniture, designer clothing, bikes, personal computers, and personal electronics.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"why-should-i-get-extra-coverage-for-my-personal-property\\",children:\\"Why should I get Extra Coverage for my personal property?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Better coverage\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Extra Coverage provides you with protection against accidental loss, damage, and theft, worldwide. (FYI, your base policy does not cover stuff that gets lost.)\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"No deductible\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"This means that unlike standard coverage, there will be no deduction of funds from your claim payment.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Get coverage for jewelry worth $1,500 or more\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Your base policy covers your \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/jewelry-insurance/\\",children:\\"jewelry\\"}),\\", but only up to a total of $1,500. So, tally up your bling, and if it collectively is worth more than $1,500, you\\\\u2019re going to want Extra Coverage.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"when-can-i-add-extra-coverage\\",children:\\"When can I add Extra Coverage?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Any time! Please note that Extra Coverage only kicks in after your items have been submitted and approved by our team. Items are added one at a time, and you will need to provide a short description, photo, and receipts or appraisals for each item. (Here\'s \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/scheduled-property-receipts-appraisals/\\",children:\\"more info on all of that.\\"}),\\")\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-kind-of-items-can-i-add\\",children:\\"What kind of items can I add?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Currently, our Extra Coverage is offered for jewelry, fine art, \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/camera-insurance/\\",children:\\"cameras\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/bicycle-insurance/\\",children:\\"bicycles\\"}),\\", and musical instruments. You do not need to add Extra Coverage for your personal electronics, furniture, and clothing, as they are covered by your base policy. (Your bike is also covered by your base policy, but Extra Coverage will give you extra perks and protections.)\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-happens-if-lemonade-does-not-approve-my-item\\",children:\\"What happens if Lemonade does not approve my item?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Our team reviews each item to determine if it\\\\u2019s eligible for Extra Coverage. If your item is not approved, it may be because your item is already covered by your base policy, or your item may need special coverage that is not currently offered by Lemonade. In any case, your base policy will not be affected.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"payments\\",children:\\"Payments\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-i-pay-for-my-lemonade-insurance\\",children:\\"How do I pay for my Lemonade insurance?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"As a homeowner you have two payment options:\\"}),`\\n`,(0,o.jsxs)(e.ul,{children:[`\\n`,(0,o.jsxs)(e.li,{children:[\\"Payment through your lender (\\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/escrow/\\",children:\\"escrow\\"}),\\")\\"]}),`\\n`,(0,o.jsx)(e.li,{children:\\"Direct payment using your card\\"}),`\\n`]}),`\\n`,(0,o.jsx)(e.p,{children:\\"If you choose to pay through your lender, we\\\\u2019ll need to get your lender\\\\u2019s details, as well as some basic loan info.\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"If you\\\\u2019re closing on a new home and would like to include your homeowners insurance as part of your \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/closing-costs/\\",children:\\"closing costs\\"}),\\", we\\\\u2019ll be happy to sort that out with your lender.\\"]}),`\\n`,(0,o.jsx)(e.p,{children:\\"If you\\\\u2019re just looking to switch to a new insurer, you can also opt into paying through escrow, and we\\\\u2019ll go ahead and bill your lender.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Direct payment using your card\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"If you\\\\u2019d like to pay directly, we will ask you for your credit card details, and give you the option to pay monthly, or for the entire year. Note that if you\'re closing on a new home, you will need to pay for the first year in full.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Regardless of how you end up paying, know that you can always cancel your policy and get a refund for the remainder of the peri
1od you\\\\u2019ve paid for.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-if-i-miss-a-premium-payment\\",children:\\"What if I miss a premium payment?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"If your credit card is declined, we\\\\u2019ll ask you to provide us with a different one. We\\\\u2019ll keep bugging you to settle your tab, but eventually, we\\\\u2019ll have to cancel your policy. We\\\\u2019ll warn you first.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"availability\\",children:\\"Availability\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"where-is-lemonade-homeowners-insurance-available\\",children:\\"Where is Lemonade Homeowners insurance available?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/homeowners-insurance-arizona/\\",children:\\"Arizona\\"}),\\", California, \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/homeowners-insurance-colorado/\\",children:\\"Colorado\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/connecticut-homeowners-insurance-guide/\\",children:\\"Connecticut\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/washington-dc-homeowners-insurance-guide/\\",children:\\"District of Columbia\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/homeowners-insurance-georgia/\\",children:\\"Georgia\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/illinois-homeowners-insurance-guide/\\",children:\\"Illinois\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/homeowners-insurance-indiana/\\",children:\\"Indiana\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/iowa-homeowners-insurance-guide/\\",children:\\"Iowa\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/maryland-homeowners-insurance-guide/\\",children:\\"Maryland\\"}),\\", Massachusetts, \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/michigan-homeowners-insurance-guide/\\",children:\\"Michigan\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/missouri-homeowners-insurance-guide/\\",children:\\"Missouri\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/nevada-homeowners-insurance-guide/\\",children:\\"Nevada\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/new-jersey-homeowners-insurance-guide/\\",children:\\"New Jersey\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/homeowners-insurance-new-york/\\",children:\\"New York\\"}),\\", Ohio, \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/oklahoma-homeowners-insurance-guide/\\",children:\\"Oklahoma\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/homeowners-insurance-oregon/\\",children:\\"Oregon\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/homeowners-insurance-pennsylvania/\\",children:\\"Pennsylvania\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/tennessee-homeowners-insurance-guide/\\",children:\\"Tennessee\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/texas-homeowners-insurance/\\",children:\\"Texas\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/virginia-homeowners-insurance/\\",children:\\"Virginia\\"}),\\", and \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/wisconsin-homeowners-insurance-guide/\\",children:\\"Wisconsin\\"})]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"where-is-lemonade-condo-insurance-available\\",children:\\"Where is Lemonade condo insurance available?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Arizona, California, Colorado, Connecticut, District of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Missouri, Nevada, New Jersey, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Rhode Island, Virginia, Washington, and Wisconsin.\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"We\\\\u2019ll be rolling out our insurance products in \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/blog/lemonade-expansion-united-states/\\",children:\\"additional states\\"}),\\" in the coming year.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"switching-to-lemonade\\",children:\\"Switching to Lemonade\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"can-i-switch-to-lemonade-if-i-already-have-an-active-homeowners-insurance-policy\\",children:\\"Can I switch to Lemonade if I already have an active homeowners insurance policy?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Sure you can! It\\\\u2019s actually quite easy.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"We\'ll notify your lender and handle updating your escrow payments (if needed), and then handle your switching request with your previous carrier.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"can-i-sign-up-over-the-phone\\",children:\\"Can I sign up over the phone?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"No, you can only sign up for Lemonade through our mobile app or our website.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"claims\\",children:\\"Claims\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-i-file-a-claim\\",children:\\"How do I file a claim?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Easy! Just open the \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/download\\",children:\\"Lemonade app\\"}),\\" and hit the \\\\u2018File a Claim\\\\u2019 button. We will guide you through the rest of the short process there.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-will-i-get-paid-for-a-claim\\",children:\\"How will I get paid for a claim?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"After you complete the claim report on the \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/download\\",children:\\"Lemonade app\\"}),\\", you will be asked to enter your bank account information. Once your claim is approved, we\\\\u2019ll issue payment, minus the amount of your deductible, directly into your account.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-fast-will-a-claim-be-paid\\",children:\\"How fast will a claim be paid?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Our goal is for the majority of simple property claims to be paid almost instantly. There will be cases in which we\\\\u2019ll need to fully review the incident to approve the claim, and there will be property damage claims or liability claims that may take longer to settle. If this is not the first loss you are reporting, or if some of the information we require is missing from your report, our team will need extra time to manually assess the incident and will most likely get in touch with you for further review.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"why-does-lemonade-ask-me-to-record-a-video-during-the-claims-process\\",children:\\"Why does Lemonade ask me to re
1cord a video during the claims process?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"There\\\\u2019s no better way for us to understand your incident than by having you tell us in your own words. It only takes a minute to shoot the video. We\\\\u2019ll use your video solely for the process of handling or reviewing your claim.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"whats-considered-a-claim-emergency\\",children:\\"What\\\\u2019s considered a claim emergency?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"We define an emergency as an event that requires immediate assistance or temporary housing as a result of \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/fire-damage/\\",children:\\"fire\\"}),\\", ongoing water damage, or any other structural damage that leaves your home exposed.\\"]}),`\\n`,(0,o.jsx)(e.p,{children:\\"Shortly after you report an emergency, our response team will call you to assess the situation and provide you with emergency services such as water or fire damage cleanup, temporary housing, or a designated specialist as soon as possible. We have your back, 24/7.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-documentation-do-you-need-from-me-do-i-need-to-take-an-inventory\\",children:\\"What documentation do you need from me? Do I need to take an inventory?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"When filing a claim for your property, if you have receipts\\\\u2014that\'s great! But, we know that not everyone saves their receipts. Do try and be sure to keep your receipts for the more expensive stuff you buy\\\\u2014say, $250 and up. That way, we can settle your claim more quickly. Even if you don\\\\u2019t have the receipt, keeping note of where and when you purchased more expensive items will help us help you.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-you-calculate-the-value-of-my-pers
1onal-property-during-a-claim\\",children:\\"How do you calculate the value of my personal property during a claim?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Our homeowners policies offer \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/replacement-cost/\\",children:\\"\\\\u2018replacement cost\\\\u2019\\"}),\\" for any destroyed, damaged, or stolen items. This means we\\\\u2019ll calculate the value of your item based on its current, lowest, as-new market value. If the item is no longer being sold, we will look for a similar one, and use that price for reference.\\"]}),`\\n`,(0,o.jsx)(e.p,{children:\\"Here\\\\u2019s an example: Your camera has been stolen. You bought it three years ago for $500, and today, this exact model sells for $350. Since our job is to provide you with an exact replacement, the value we will calculate is $350.\\"}),`\\n`,(0,o.jsx)(e.h1,{id:\\"renters-insurance\\",children:\\"Renters Insurance\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"policy-1\\",children:\\"Policy\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-you-calculate-the-cost-of-a-lemonade-renters-policy\\",children:\\"How do you calculate the cost of a Lemonade Renters policy?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Renters premiums are calculated individually for each \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/insuropedia/dictionary/policyholder/\\",children:\\"policyholder\\"}),\\" and are based on a number of different factors. Here are things that could affect your renters insurance price:\\"]}),`\\n`,(0,o.jsxs)(e.ul,{children:[`\\n`,(0,o.jsx)(e.li,{children:\\"The more coverage you add, the higher the premium gets\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"Choosing a higher deductible can lower your premium price\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"Where you live may affect your premium\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"Insurance history that\\\\u2019s full of claims will increase your price, and in some cases even prevent us from being able to cover you\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"Protective devices such as deadbolts, burglar alarms, and smoke alarms will get you a discount\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"Bundling with other Lemonade products, such as pet, will get you a discount\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"In certain states, paying annually will reduce your premium\\"}),`\\n`]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-can-i-lower-my-renters-policy-price\\",children:\\"How can I lower my renters policy price?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Your policy price (the \\\\u2018\\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/insuropedia/dictionary/insurance-premium/\\",children:\\"premium\\"}),\\"\\\\u2019) is mostly affected by the coverage amounts of your policy, which you can easily adjust before payment. A higher deductible may lower your price. (Your deductible is the amount that will be deducted from any claim payment you may receive. Think of it as your participation in the damage or loss.)\\"]}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"In addition, your rate may be reduced if you live in areas that are less susceptible to environmental,
1crime, or weather-related damages and if you own protective equipment such as fire and burglar alarms. You\\\\u2019ll also score discounts on both policies \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-and-car-insurance-bundle/\\",children:\\"if you bundle your Lemonade Renters policy with our car\\"}),\\" or pet insurance.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"im-moving-to-a-new-place-how-do-i-change-the-address-on-the-policy\\",children:\\"I\\\\u2019m moving to a new place. How do I change the address on the policy?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Renters insurance policies cover a specific property at a specific address. If you\\\\u2019re moving (or already moved) to a new place and would like to keep the settings and extra items you had on the previous policy, do the following:\\"}),`\\n`,(0,o.jsxs)(e.ol,{children:[`\\n`,(0,o.jsxs)(e.li,{children:[\\"Open the Lemonade app and sign in (download for \\",(0,o.jsx)(e.a,{href:\\"https://lemonadeinc.onelink.me/2551691193?af_dp=lemonadeinc%3A%2F%2F&af_web_dp=https%3A%2F%2Fitunes.apple.com%2Fapp%2Fid1055653645&c=download&pid=lemonade.com&utm_campaign=download&utm_source=lemonade.com&uuid=0227639f-b018-48cf-b6f3-b19e754b7d92\\",children:\\"iPhone\\"}),\\" and \\",(0,o.jsx)(e.a,{href:\\"https://lemonadeinc.onelink.me/2832583367?af_dp=lemonadeinc%3A%2F%2F&af_web_dp=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dcom.lemonadeinc.lemonade&c=download&pid=lemonade.com&utm_campaign=download&utm_source=lemonade.com&uuid=0227639f-b018-48cf-b6f3-b19e754b7d92\\",children:\\"Android\\"}),\\")\\"]}),`\\n`,(0,o.jsx)(e.li,{children:\\"Tap the menu icon in the top left corner\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"Tap \\\\u201CAsk Us Anything\\\\u201D\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"Type \\\\u201CI\\\\u2019m moving to a new place\\\\u201D\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"Maya will guide you through the steps to move from your old address to your new one. The entire process should take less than a minute!\\"}),`\\n`]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"if-i-report-a-loss-or-have-bad-credit-will-my-premium-be-affected-1\\",children:\\"If I report a loss or have bad credit, will my premium be affected?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"It might. History shows that people with poor credit or who have a record of making claims are more likely to make claims in the future. In fairness, our rates take many relevant data points into account. Your credit and claims history are two of many factors that may influence your rate, and are dependent on the laws of the state where policies are issued.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-i-cancel-my-lemonade-renters-policy\\",children:\\"How do I cancel my Lemonade Renters policy?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"You can cancel your policy at any time through the \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/download\\",children:\\"Lemonade app\\"}),\\" or website and receive a refund for the remaining period you\\\\u2019ve paid for. If you ever want to come back, we\\\\u2019d love to have you! But please be aware that insurance prices change from time to time, so your new policy may come with a different rate.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"great-prices-i-got-a-quote-thats-higher-than-my-old-insurer-what-gives-1\\",children:\\"Great prices? I got a quote that\\\\u2019s higher than my old insurer, what gives?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"We say we have great renters insurance prices, and we mean it. But while our prices tend to be cheaper than those of the more established players, that won\\\\u2019t always be the case. \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/insuropedia/dictionary/insurer/\\",children:\\"Insurers\\"}),\\" use different models and data sets to establish prices, and on occasion, our prices will be higher than someone else\\\\u2019s. It\\\\u2019s the way statistics work. If it\\\\u2019s any comfort, please remember that any leftover money will be donated to a charity of your choosing\\\\u2026 that\\\\u2019s a good reason to go with Lemonade!\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"coverage-1\\",children:\\"Coverage\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-does-a-lemonade-renters-insurance-policy-cover\\",children:\\"What does a Lemonade Renters insurance policy cover?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"A Lemonade Renters policy covers your stuff against damages caused by things like fire, vandalism, theft, and other named perils. It also protects you against liability claims for damages you accidentally cause others. And in cases where your home becomes unlivable due to certain damages, we\\\\u2019ll also help cover the costs of alternative living arrangements.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"For a complete list of coverages, we recommend getting a quote. In the quote page, you\\\\u2019ll be able to see and make changes to your coverage, deductible, start date, and more. After buying a policy, we\\\\u2019ll send you a copy of your new policy by email.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"are-roommates-covered-under-lemonade-renters-policies-\\",children:\\"Are roommates covered under Lemonade Renters policies ?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Unfortunately not. Insurance only covers you, and the \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/real-property/\\",children:\\"property\\"}),\\" you legally own. When living with roommates, we recommend asking them to get a Lemonade renter
1s policy as well.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"is-my-spouse-covered\\",children:\\"Is my spouse covered?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"The short answer is yes, but we suggest adding their name to your policy.\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"You\'ll be happy to know that your renters policy automatically covers all residents of your \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/who-does-your-policy-cover/\\",children:\\"household\\"}),\\" who are related to you by marriage, blood, or adoption.\\"]}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Just make sure you buy enough coverage to cover everyone\\\\u2019s \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/personal-property/\\",children:\\"personal property\\"}),\\". Remember to take everyone\\\\u2019s laptops, bikes, electronics, jewelry, musical instruments, and clothing into consideration.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"is-my-significant-other-covered-under-my-lemonade-renters-policy\\",children:\\"Is my significant other covered under my Lemonade Renters policy?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"If you\\\\u2019re living with your significant other, we suggest adding their name to your policy (at a minor additional cost). Beyond adding their name, make sure you update your personal property coverage to include the stuff they keep in your home as well.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-specific-kinds-of-things-am-i-covered-for-with-a-lemonade-renters-policy\\",children:\\"What specific kinds of things am I covered for with a Lemonade Renters policy?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Your renters insurance policy covers your place against perils (aka, bad stuff like fire, windstorm, or an explosion). But it does more than that.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Your policy is broken up into several types of coverage:\\"}),`\\n`,(0,o.jsxs)(e.ul,{children:[`\\n`,(0,o.jsxs)(e.li,{children:[(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/personal-property/\\",children:\\"Personal Property\\"}),\\" will be activated in various scenarios, like if your laptop or bike is stolen, or if a kitchen fire destroys your belongings\\"]}),`\\n`,(0,o.jsxs)(e.li,{children:[(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/loss-of-use/\\",children:\\"Loss of Use\\"}),\\" will help with additional living expenses (like hotel bills) if your place becomes uninhabitable due to a peril like a fire, windstorm, etc.\\"]}),`\\n`,(0,o.jsxs)(e.li,{children:[\\"Liability Coverage or \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/personal-liability/\\",children:\\"personal liability\\"}),\\" insurance refers to coverage in the case of bodily injury or property damage to other people (or their stuff) as a result of your actions - at your home, and anywhere else\\"]}),`\\n`,(0,o.jsx)(e.li,{children:\\"Medical Payments to help pay for medical bills, under $5,000 in most cases, that you incur if something happens to guests while at your place\\"}),`\\n`]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"am-i-covered-if-something-i-own-gets-stolen-outside-of-my-home-or-apartment-1\\",children:\\"Am I covered if something I own gets stolen outside of my home or apartment?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Yes. A Lemonade renters policy covers your personal property \\\\u201Canywhere in the world\\\\u201D (that\\\\u2019s taken directly from our policy).\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"If your bike gets stolen from in front of your apartment or your laptop gets stolen from your local coffee shop, you are covered up to your policy\\\\u2019s personal property limit. Your deductible applies, and we\'ll also need you to file a police report with the officer\\\\u2019s name, precinct/department, and report number. Keep in mind, a stolen pet is not covered under any of our policies.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-kinds-of-things-are-not-covered-under-a-lemonade-renters-policy\\",children:\\"What kinds of things are not covered under a Lemonade renters policy?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Unfortunately, \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/what-is-renters-insurance-and-whats-covered/#notcover\\",children:\\"insurance doesn\\\\u2019t cover e-v-e-r-y annoying thing that can happen\\"}),\\". Things like your power, water, or heat going out in the dead of winter, or a \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/bed-bugs-explained/\\",children:\\"bed bug infestation\\"}),\\", aren\\\\u2019t covered by renters policies. That means we can\\\\u2019t reimburse you if any of those things happen.\\"]}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"We also don\\\\u2019t cover personal property that gets mistakenly lost or broken. Here\\\\u2019s a \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters\\",children:\\"guide\\"}),\\" to what\\\\u2019s covered and what\\\\u2019s not under our renter
1s policy.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"is-my-laptop-covered-1\\",children:\\"Is my laptop covered?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Yes! Your Lemonade renters policy covers your personal electronic equipment up to the amount you select for Property & Valuables when signing up.\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Coverage for \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/laptop-insurance/\\",children:\\"laptops\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/mobile-phone-insurance-theft/\\",children:\\"phones\\"}),\\", tablets, TVs, and other personal electronics are all included, as standard, in the policy. Please note that this is coverage against the list of specific, named perils mentioned in the policy such as theft, \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/fire-damage/\\",children:\\"fire\\"}),\\", explosion, \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/vandalism/\\",children:\\"vandalism\\"}),\\", etc. Be careful with that computer, because your policy doesn\\\\u2019t cover loss or breakage if you drop it!\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"if-my-dog-bites-someone-am-i-covered-1\\",children:\\"If my dog bites someone, am I covered?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Generally, yes, if your dog bites someone you\'re covered under your renters policy. However, you\'re not covered if your dog has a history of biting or if your dog is categorized as a high-risk breed. These breeds can be found in the \'not covered\' section of your policy.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"do-you-offer-earthquake-coverage-1\\",children:\\"Do you offer earthquake coverage?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"We currently offer earthquake insurance policies for our renters in California and Arkansas. We\\\\u2019re looking to expand this offering to other states, so stay tuned.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"It\\\\u2019s worth noting that our base policies in all states already cover direct loss caused by fire, explosion, or theft resulting from earthquakes.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-can-i-increase-or-decrease-lemonade-renters-policy-coverages\\",children:\\"How can I increase or decrease Lemonade Renters policy coverages?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Before purchasing a renters policy, you\\\\u2019ll be able to adjust the coverages you need as well as choose a deductible that works best for you. Naturally, we have maximum and minimum limits to all coverages.\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"After you buy a policy, you\\\\u2019ll be able to view and edit your coverages through the \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/download\\",children:\\"Lemonade app\\"}),\\".\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"is-my-self-storage-locker-covered-under-a-renters-policy\\",children:\\"Is my self-storage locker covered under a renters policy?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"For personal property stored in a self-storage facility, or usually stored at a place other than your home, \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/does-renters-insurance-cover-storage-units/\\",children:\\"our policy covers you for theft up to a limit of $1,000\\"}),\\". Note, if you\\\\u2019re in NY, CA, or CT, our policy covers your personal property in self-storage units for up to 10% of your Coverage C (personal property limit). Make sure to review your policy to understand the amount of coverage you have.\\"]}),`\\n`,(0,o.jsx)(e.p,{children:\\"Oh, and if your personal property is stored in the basement of your apartment building, it\\\\u2019s covered because it\\\\u2019s still at your home address.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-is-liability-protection-1\\",children:\\"What is liability protection?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"We offer \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/personal-liability/\\",children:\\"personal liability\\"}),\\" protection as part of our renters policies. This means Lemonade will hire a lawyer to defend you, and we\'ll pay covered damages you are found liable for, in the event someone claims to be injured due to your actions or \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/negligence/\\",children:\\"negligence\\"}),\\", or if there\\\\u2019s property damage to someone else\\\\u2019s property caused by your actions or negligence. Make sure to read your policy. If you experience an incident that may fall under this coverage, then make a claim using our app.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"extra-coverage-1\\",children:\\"Extra Coverage\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-i-add-extra-coverage-for-my-expensive-items-1\\",children:\\"How do I add Extra Coverage for my expensive items?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"It\\\\u2019s easy to add Extra Coverage to your renter
1s policy for your fine art, \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/jewelry-insurance/\\",children:\\"jewelry\\"}),\\", watches, camera bodies and lenses, musical instruments, and some other personal property. Everything can be done through the \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/download\\",children:\\"Lemonade app\\"}),\\". All we\\\\u2019ll need are photos of the items you want covered, as well as a receipt or appraisal.\\"]}),`\\n`,(0,o.jsx)(e.p,{children:\\"We\\\\u2019ll be offering the ability to add Extra Coverage for even more types of property soon, but in the meantime, you\\\\u2019re in luck: A base policy already has coverage built in for your big-ticket purchases like furniture, designer clothing, bikes, personal computers, and personal electronics. (Adding Extra Coverage for your bike, though, provides additional benefits and protections\\\\u2014like deductible-free claims, and coverage for accidental damage.)\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"why-should-i-get-extra-coverage-for-my-personal-property-1\\",children:\\"Why should I get Extra Coverage for my personal property?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Better coverage\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Extra Coverage provides renters with protection against accidental loss, damage, and theft, worldwide. (FYI, your base policy does not cover stuff that simply gets lost.)\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"No deductible\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"This means that unlike standard coverage, there will be no deduction of funds from your claim payment.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Get coverage for jewelry worth $1,500 or more\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Your base renters insurance policy covers your \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/jewelry-insurance/\\",children:\\"jewelry\\"}),\\", but only up to a total of $1,500. So, tally up your bling, and if it collectively is worth more than $1,500, you\\\\u2019re going to want Extra Coverage.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"when-can-i-add-extra-coverage-1\\",children:\\"When can I add Extra Coverage?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Any time! But don\\\\u2019t forget that Extra Coverage only kicks in after your items have been submitted and approved by our team. Items are added one at a time, and you will need to provide a short description, photo, and receipts or appraisals for each. (Here\'s \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/scheduled-property-receipts-appraisals/\\",children:\\"more info on all of that\\"}),\\".)\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-kind-of-items-can-i-add-1\\",children:\\"What kind of items can I add?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Currently, our Extra Coverage is offered for jewelry, fine art, \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/camera-insurance/\\",children:\\"cameras\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/bicycle-insurance/\\",children:\\"bicycles\\"}),\\", and musical instruments. You do not need to add Extra Coverage for your personal electronics, furniture, and clothing, as they are covered by your base renters insurance policy. (Your bike is also covered by your base policy, but Extra Coverage will give you extra perks and protections.)\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-happens-if-lemonade-does-not-approve-my-item-1\\",children:\\"What happens if Lemonade does not approve my item?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Our team goes over each item to determine if it\\\\u2019s eligible for Extra Coverage. If your item is not approved, there could be a few reasons. It may be because your item is already covered by your base renters policy, or your item may need special coverage that is not currently offered by Lemonade. In any case, your base policy will not be affected.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"payments-1\\",children:\\"Payments\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-i-pay-for-my-lemonade-renters-policy\\",children:\\"How do I pay for my Lemonade Renters policy?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"You can pay for your Lemonade Renters policy using a credit card (or SEPA in some European countries). You choose between annual or monthly payment plans. In some states we provide discounts if you select the annual option. If you choose a monthly plan, we will c
1ontinue to charge your card automatically each month.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"availability-1\\",children:\\"Availability\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"where-is-lemonade-renters-insurance-available\\",children:\\"Where is Lemonade Renters insurance available?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-arizona/\\",children:\\"Arizona\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/arkansas-renters-insurance/\\",children:\\"Arkansas\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-california/\\",children:\\"California\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-colorado/\\",children:\\"Colorado\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-in-connecticut/\\",children:\\"Connecticut\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-delaware/\\",children:\\"Delaware\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/washington-dc-renters-insurance-guide/\\",children:\\"District of Columbia\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/florida-renters-insurance-guide/\\",children:\\"Florida\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/georgia-renters-insurance/\\",children:\\"Georgia\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/illinois-renters-insurance-guide/\\",children:\\"Illinois\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/indiana-renters-insurance-guide/\\",children:\\"Indiana\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/iowa-renters-insurance-guide/\\",children:\\"Iowa\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-kansas/\\",children:\\"Kansas\\"}),\\", Kentucky, \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-louisiana/\\",children:\\"Louisiana\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-maine/\\",children:\\"Maine\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/maryland-renters-insurance-guide/\\",children:\\"Maryland\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/massachusetts-renters-insurance-guide/\\",children:\\"Massachusetts\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-michigan/\\",children:\\"Michigan\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-in-mississippi/\\",children:\\"Mississippi\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/missouri-renters-insurance/\\",children:\\"Missouri\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-montana/\\",children:\\"Montana\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-nebraska/\\",children:\\"Nebraska\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/nevada-renters-insurance-guide/\\",children:\\"Nevada\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-new-hampshire/\\",children:\\"New Hampshire\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-new-jersey/\\",children:\\"New Jersey\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/new-mexico-renters-insurance-guide/\\",children:\\"New Mexico\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-new-york/\\",children:\\"New York\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-in-north-carolina/\\",children:\\"North Carolina\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-north-dakota/\\",children:\\"North Dakota\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-ohio/\\",children:\\"Ohio\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/oklahoma-renters-insurance-guide/\\",children:\\"Oklahoma\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-oregon/\\",children:\\"Oregon\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-pennsylvania/\\",children:\\"Pennsylvania\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/rhode-island-renters-insurance-guide/\\",children:\\"Rhode Island\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-in-south-carolina/\\",children:\\"South Carolina\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-south-dakota/\\",children:\\"South Dakota\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/tennessee-renters-insurance-guide/\\",children:\\"Tennessee\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-texas/\\",children:\\"Texas\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-utah/\\",children:\\"Utah\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-vermont/\\",children:\\"Vermont\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-virginia/\\",children:\\"Virginia\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/washington-state-renters-insurance-guide/\\",children:\\"Washington\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-west-virginia/\\",children:\\"West Virginia\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/wisconsin-renters-insurance-guide/\\",children:\\"Wisconsin\\"}),\\", and \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/renters-insurance-wyoming/\\",children:\\"Wyoming\\"})]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"switching\\",children:\\"Switching\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"can-i-switch-to-lemonade-if-i-already-have-a-renters-policy-elsewhere\\",children:\\"Can I switch to Lemonade if I already have a renters policy elsewhere?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Sure you can! It\\\\u2019s actually quite easy.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"We\\\\u2019ll send your previous insurer a formal notice. Once they get it, they\\\\u2019ll need to cancel the remainder of your policy term, and refund you for any outstanding payments.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"We handle thousands of switching requests every week, with people moving to Lemonade from companies like Allstate, State Farm, Farmers, Liberty Mutual, Geico, USAA, Travelers, and more!\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"landlords\\",children:\\"Landlords\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"can-i-add-my-landlord-as-an-interested-party\\",children:\\"Can I add my landlord as an interested party?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Sure! Landlords and property managers may require that you list them on your policy as an \\\\u2018\\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/interested-party/\\",children:\\"interested party.\\"}),\\"\\\\u2019 This means they\\\\u2019ll be automatically notified about major changes, such as cancellations or coverage modifications.\\"]}
1),`\\n`,(0,o.jsx)(e.p,{children:\\"To do this simply open the Lemonade app, tap your policy, and look for the option to add an interested party.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"claims-1\\",children:\\"Claims\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-i-file-a-claim-1\\",children:\\"How do I file a claim?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Easy! Just open the \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/download\\",children:\\"Lemonade app\\"}),\\" and hit the \\\\u2018File a Claim\\\\u2019 button. We will guide you through the rest of the short process there.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-will-i-get-paid-for-a-claim-1\\",children:\\"How will I get paid for a claim?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"After you complete the claim report on the \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/download\\",children:\\"Lemonade app\\"}),\\", you will be asked to enter your bank account information. Once your claim is approved, we\\\\u2019ll issue payment, minus the amount of the deductible on your renters policy, directly into your account.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-fast-will-a-claim-be-paid-1\\",children:\\"How fast will a claim be paid?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Our goal is for the majority of simple property claims to be paid almost instantly. There will be cases in which we\\\\u2019ll need to fully review the incident to approve the claim, and there will be property damage claims or liability claims that may take longer to settle. If this is not the first loss you are reporting, or if some of the information we require is missing from your report, our team will need extra time to manually assess the incident and will most likely get in touch with you for further review.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"why-does-lemonade-ask-me-to-record-a-video-during-the-claims-process-1\\",children:\\"Why does Lemonade ask me to record a video during the claims process?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"There\\\\u2019s no better way for us to understand your incident than by having you tell us in your own words. It only takes a minute to shoot the video. We\\\\u2019ll use your video solely for the process of handling or reviewing your claim.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"whats-considered-a-claim-emergency-1\\",children:\\"What\\\\u2019s considered a claim emergency?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"We define an emergency as an event that requires immediate assistance or temporary housing as a result of fire, ongoing water damage, or any other structural damage that leaves your home exposed.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Shortly after you report an emergency, our response team will call you to assess the situation and provide you with emergency services such as water or fire damage cleanup, temporary housing, or a designated specialist as soon as possible. We have your back, 24/7.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Lemonade has a network of emergency response and repair partners enabling us to respond to just about any incident at just about any time. For emergencies relating to your home and property where you don\'t have access to our app or website, you may call us at (844) 733-8666.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-documentation-do-you-need-from-me-do-i-need-to-take-an-inventory-1\\",children:\\"What documentation do you need from me? Do I need to take an inventory?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"When filing a claim for your property, if you have receipts\\\\u2014that\'s great! But, we know that not everyone saves their receipts. Do try and be sure to keep your receipts for the more expensive stuff you buy\\\\u2014say, $250 and up. That way, we can settle your claim more quickly. Even if you don\\\\u2019t have the receipt, keeping note of where and when you purchased more expensive items will help us help you.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-you-calculate-the-value-of-my-pers
1onal-property-during-a-claim-1\\",children:\\"How do you calculate the value of my personal property during a claim?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Our renters policies offer \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/renters/explained/replacement-cost/\\",children:\\"\\\\u2018replacement cost\\\\u2019\\"}),\\" for any destroyed, damaged, or stolen items. This means we\\\\u2019ll calculate the value of your item based on its current, lowest, as-new market value. If the item is no longer being sold, we will look for a similar one, and use that price for reference.\\"]}),`\\n`,(0,o.jsx)(e.p,{children:\\"Here\\\\u2019s an example: Your camera has been stolen. You bought it three years ago for $500, and today, this exact model sells for $350. Since our job is to provide you with an exact replacement, the value we will calculate is $350.\\"}),`\\n`,(0,o.jsx)(e.h1,{id:\\"car-insurance\\",children:\\"Car Insurance\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"policy-2\\",children:\\"Policy\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-you-calculate-the-cost-of-a-lemonade-car-policy\\",children:\\"How do you calculate the cost of a Lemonade Car policy?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Lemonade Car policies differ by state. In most cases, car premiums are calculated for your entire household and based on a number of different factors. The first time you get a Lemonade Car policy we\\\\u2019ll consider all the cars in your household as well as everyone\\\\u2019s driving records, your insurance histories, previous claims, and more. At renewal, we hope you\\\\u2019ll see a drop in your premium since the Lemonade app uses location-based technology to help us price your policy based on your actual driving.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Here are things that could affect your car insurance price:\\"}),`\\n`,(0,o.jsxs)(e.ul,{children:[`\\n`,(0,o.jsx)(e.li,{children:\\"Driving with FSD will save you 50% off every mile in Arizona and Oregon\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"Paying semi-annually will reduce your premium in Colorado, Illinois, Indiana, Ohio, Tennessee, and Texas\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"The more coverage you add, the higher the premium\\"}),`\\n`,(0,o.jsxs)(e.li,{children:[\\"The higher deductible you choose, \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/how-to-lower-the-cost-of-car-insurance/\\",children:\\"the lower the price\\"})]}),`\\n`,(0,o.jsxs)(e.li,{children:[\\"Better maintained cars \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/how-much-does-car-insurance-cost/\\",children:\\"cost less to insure\\"})]}),`\\n`,(0,o.jsx)(e.li,{children:\\"A history of accidents and traffic violations will increase your price, and in some cases even prevent us from being able to cover you\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"Having an electric or hybrid car will get you a discount in some states\\"}),`\\n`,(0,o.jsxs)(e.li,{children:[\\"Driving with location services enabled on the Lemonade app in Colorado, Illinois, Indiana, Ohio, Tennessee, and Texas makes you eligible for a participation discount, and gives you the opportunity to lower your price with better driving over time (\\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/a-different-kind-of-car-insurance/\\",children:\\"learn more about how Lemonade Car uses tech\\"}),\\")\\"]}),`\\n`,(0,o.jsx)(e.li,{children:\\"Bundling with other Lemonade products, such as homeowners, renters, pet, or life insurance, will get you a discount\\"}),`\\n`]}),`\\n`,(0,o.jsx)(e.p,{children:\\"Lemonade Car policies in Arizona, Washington, California and Oregon are calculated on a monthly basis, and ultimately determined by your mileage. We charge you a low price, usually a few cents, for each mile you drive (50% off for FSD miles in Arizona, Oregon and coming to more states soon!) and add it together with your base price for your monthly total. You\\\\u2019ll be able to preview your base price and per-mile price when you get a quote.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-can-i-lower-my-car-insurance-policy-price\\",children:\\"How can I lower my car insurance policy price?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Your policy price (the \\\\u2018\\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/insuropedia/dictionary/insurance-premium/\\",children:\\"premium\\"}),\\"\\\\u2019) is affected by the way you actually drive, so it\\\\u2019s worth reading these tips to see how your driving behavior can \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/talking-telematics/\\",children:\\"lower your premium\\"}),\\". It will also be impacted by the coverage amounts of your policy, which you can easily adjust before or after you purchase your policy. A higher deductible may lower your price. A deductible is the part of the cost you can expect to pay out of pocket. It\'s your participation in the cost of the damage or loss. In most cases, driving less will also lower your premium, as Lemonade Car was built to cost less for those who drive less.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"im-buying-a-new-car-how-do-i-get-it-insured\\",children:\\"I\\\\u2019m buying a new car, how do I get it insured?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Congrats! You\\\\u2019ll probably need proof of insurance to drive your new ride...\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"If you already have a policy, you\\\\u2019re all set! Just use the \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/download\\",children:\\"Lemonade app\\"}),\\" to add the new car, and if you need to show proof of insurance you can pull up a digital version of your insurance ID card.\\"]}),`\\n`,(0,o.jsx)(a,{}),`\\n`,(0,o.jsx)(e.p,{children:\\"If you haven\\\\u2019t purchased a policy yet you can go ahead and get started in our app. If this new car is the only one you\\\\u2019ll have on the policy you may
1need to get your policy in advance (since our coverage kicks in at 12:01 AM, and you need proof of insurance to register a car to your name).\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"If you purchase a used car, you need to get your policy the day before you pick it up so it\\\\u2019s active when you register it. If you buy a new car from a dealership and they register it for you we can provide same-day coverage.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-does-telematics-know-if-im-driving-and-what-if-its-wrong\\",children:\\"How does Telematics know if I\\\\u2019m driving\\\\u2026 and what if it\\\\u2019s wrong?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Telematics uses machine learning to make predictions that determine if you are driving. \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/talking-telematics/\\",children:\\"Some of our policies rely on the sensors in your phone to collect this data, and others use a small plug-in device.\\"})]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-you-track-my-fsd-miles\\",children:\\"How do you track my FSD miles?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"With your permission, we connect directly to your Tesla through a seamless integration that shows us exactly which miles were driven in FSD versus manual driving.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"can-i-get-lemonade-autonomous-car-insurance\\",children:\\"Can I get Lemonade Autonomous Car insurance?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"This special coverage with 50% off every mile driven in FSD is available in select states for Teslas with Hardware 4 and recent firmware (2025.44.25.5 or newer). The firmware update is free and easy to install through your Tesla app.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"if-i-report-a-loss-or-have-bad-credit-will-my-premium-be-affected-2\\",children:\\"If I report a loss or have bad credit, will my premium be affected?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"It might. History shows that people with poor credit or who have a record of making claims are more likely to make claims in the future. In fairness, our rates take many relevant data points into account. Your credit and claims history are two of many factors that may influence your rate, and are dependent on the laws of the state where policies are issued. You can learn more about how to lower your \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/how-to-lower-the-cost-of-car-insurance/\\",children:\\"car insurance premium here\\"})]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"will-my-credit-score-be-affected-by-applying-for-a-policy-1\\",children:\\"Will my credit score be affected by applying for a policy?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"No. We sometimes perform a \\\\u2018soft\\\\u2019 credit check, but this does not affect your credit score in any way. We may have to run this check in order to complete your policy pricing.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-i-cancel-my-lemonade-car-policy\\",children:\\"How do I cancel my Lemonade Car policy?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"You can cancel your policy at any time through the \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/download\\",children:\\"Lemonade app\\"}),\\" and receive a refund for the remaining period you\\\\u2019ve paid for. If you ever want to come back, we\\\\u2019d love to have you! But please be aware that insurance prices change from time to time, so your new policy may come with a different rate.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"great-prices-i-got-a-quote-thats-higher-than-my-old-insurer-what-gives-2\\",children:\\"Great prices? I got a quote that\\\\u2019s higher than my old insurer, what gives?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"We say we have great prices, and we mean it. But while our prices tend to be cheaper than those of the more established players, that won\\\\u2019t always be the case. Insurers use different models and data sets to establish prices, and on occasion, our prices will be higher than someone else\\\\u2019s. It\\\\u2019s the way statistics work. If it\\\\u2019s any comfort, please remember that any leftover money will be donated to a charity of your choosing\\\\u2026 that\\\\u2019s a good reason to go with Lemonade!\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"coverage-2\\",children:\\"Coverage\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-does-a-lemonade-car-policy-cover\\",children:\\"What does a Lemonade Car policy cover?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"A Lemonade Car policy can cover you for damage to your car caused by accidents, vandalism, extreme weather, fire, falling objects, and certain other perils, but keep in mind that your coverage will depend on how you build your policy when you get a quote. Certain coverages protect you if someone without insurance hits your car, while others would kick in if your car is stolen, if you need roadside assistance, if there\\\\u2019s liability claims for damages you accidentally cause others, or if you back into your neighbor\\\\u2019s car or injure another passenger or pedestrian. (Yikes!)\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"For a complete list of \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/what-d
1oes-car-insurance-cover/\\",children:\\"coverages\\"}),\\", we recommend getting a quote - especially because Lemonade Car coverage is extremely customizable. You\\\\u2019ll be able to see and make changes to your coverage, \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/car-insurance-deductible/\\",children:\\"deductible\\"}),\\", start date, and more. After you enroll, we\\\\u2019ll send you a copy of your new policy by email.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"can-i-increase-or-decrease-lemonade-car-coverages\\",children:\\"Can I increase or decrease Lemonade Car coverages?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Sure. Before purchasing a policy, you\\\\u2019ll be able to adjust the coverages you need as well as choose the deductibles that work for you for each coverage. Naturally, we have maximum and minimum limits to all coverages. After you buy a policy, you\\\\u2019ll be able to view and edit your coverages through the \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/download\\",children:\\"Lemonade app\\"}),\\".\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"who-is-covered-under-my-lemonade-car-policy\\",children:\\"Who is covered under my Lemonade Car policy?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Your policy covers all listed cars and drivers, and you can add up to seven drivers to your Lemonade Car policy. Keep in mind that you\\\\u2019re required to include members of your household on your policy, regardless of how much they drive. That means spouses and any licensed or permitted children in the household under 19 must be listed on your policy. What if you let other people drive your car - will they be covered by your policy? Yes! But you won\\\\u2019t be covered if it\\\\u2019s someone who should have been listed on your policy but wasn\'t. \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/whos-covered-to-drive-your-car/\\",children:\\"Here\\\\u2019s some more info about who can drive your cars.\\"})]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"does-my-significant-other-need-their-own-lemonade-car-policy\\",children:\\"Does my significant other need their own Lemonade Car policy?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Nope. You should have one policy for the two of you (and for any other drivers you live with or people who regularly drive your cars).\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-kinds-of-things-am-i-covered-for-with-my-car-insurance-policy\\",children:\\"What kinds of things am I covered for with my car insurance policy?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Your car insurance covers you for a bunch of things you might experience as a driver. Your policy is broken up into two types of coverage: liability coverage and physical damage.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Liability coverage refers to coverage in the case of bodily injury or property damage to other people (or their stuff) as a result of your actions, so it covers you if you get sued after an accident.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Physical damage protects your car if it gets damaged and includes several kinds of coverages:\\"}),`\\n`,(0,o.jsxs)(e.ul,{children:[`\\n`,(0,o.jsxs)(e.li,{children:[(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/what-is-collision-coverage/\\",children:\\"Collision coverage\\"}),\\" (like car accidents)\\"]}),`\\n`,(0,o.jsxs)(e.li,{children:[(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/comprehensive-coverage/\\",children:\\"Comprehensive coverage\\"}),\\" (things you can\\\\u2019t control like weather, theft and vandalism, hitting an animal, falling objects, and fire)\\"]}),`\\n`,(0,o.jsxs)(e.li,{children:[(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/temporary-transportation-coverage/\\",children:\\"Temporary transportation coverage\\"}),\\" (for a rental or rideshare reimbursement if you can\\\\u2019t drive your car)\\"]}),`\\n`,(0,o.jsxs)(e.li,{children:[(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/windshield-crack-repair/\\",children:\\"Extended glass and windshield\\"}),\\" coverage (with a lower, or no, deductible)\\"]}),`\\n`]}),`\\n`,(0,o.jsx)(e.p,{children:\\"You also have additional coverages that states will offer, and sometimes require, to help protect you from other kinds of damages:\\"}),`\\n`,(0,o.jsxs)(e.ul,{children:[`\\n`,(0,o.jsxs)(e.li,{children:[(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/what-d
1oes-car-insurance-cover/#underinsured\\",children:\\"Uninsured/underinsured driver coverage\\"}),\\" (to protect you if you\\\\u2019re in an accident with someone without insurance, or enough insurance, to cover the damages they caused)\\"]}),`\\n`,(0,o.jsxs)(e.li,{children:[(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/medical-payments-coverage/\\",children:\\"Medical payments\\"}),\\"/\\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/what-does-car-insurance-cover/#pip\\",children:\\"Personal Injury Protection (PIP)\\"}),\\" (varies by state, but mostly covers you for medical bills and lost income)\\"]}),`\\n`]}),`\\n`,(0,o.jsx)(e.p,{children:\\"You can customize your policy, so you\\\\u2019ll want to make sure you pick the right coverages when you sign up.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-kinds-of-things-are-not-covered-under-a-lemonade-car-policy\\",children:\\"What kinds of things are not covered under a Lemonade Car policy?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"A Lemonade Car policy covers you for a lot, but there are several things that would exclude a claim from being covered, like a car or driver that should\\\\u2019ve been listed on your policy and wasn\\\\u2019t, damage from racing, and something that\\\\u2019s the result of nuclear waste. Here are some other things you should expect to not be covered by your car insurance policy:\\"}),`\\n`,(0,o.jsxs)(e.ul,{children:[`\\n`,(0,o.jsx)(e.li,{children:\\"Wear and tear to your car\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"Accidents that happen when actively using your car for ridesharing\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"Freezing\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"Damage done intentionally\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"Damage to any custom parts to the car over $1k\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"Things inside your car (although these would be covered by a renters or homeowners policy)\\"}),`\\n`,(0,o.jsxs)(e.li,{children:[\\"Here\'s a \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/what-does-car-insurance-cover/\\",children:\\"guide\\"}),\\" to what\'s covered and what\'s not under your Lemonade Car policy.\\"]}),`\\n`]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-is-liability-protection-2\\",children:\\"What is liability protection?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"We offer \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/bodily-injury-liability-insurance-coverage/\\",children:\\"bodily injury\\"}),\\" and \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/what-does-car-insurance-cover/#liability\\",children:\\"property damage\\"}),\\" protection as part of our car insurance policies. This means Lemonade will hire a lawyer to defend you, and we\'ll pay covered damages you are found liable for, in the event someone claims to be injured due to your actions or negligence, or if there\\\\u2019s property damage to someone else\\\\u2019s property caused by your actions or negligence. Make sure to read your policy. If you experience an incident that may fall under this coverage, then make a claim using our app.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"payments-2\\",children:\\"Payments\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-i-pay-for-lemonade\\",children:\\"How do I pay for Lemonade?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"After reviewing your coverage summary, you\\\\u2019ll be able to pay using your credit or debit card. We will charge you when you pay for your policy, and automatically every month thereafter. If you prefer, you can pay for your policy on a semi-annual basis instead, unless you live in Arizona, California, Oregon, or Washington where your price will change each month based on your mileage.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-if-i-miss-a-premium-payment-1\\",children:\\"What if I miss a premium payment?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"If your credit card is declined, we\\\\u2019ll ask you to provide us with a different one. Please note, we\\\\u2019ll keep bugging you to settle your tab, but eventually, we\\\\u2019ll have to cancel your policy. We\\\\u2019ll warn you first.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"availability-2\\",children:\\"Availability\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"where-is-lemonade-car-insurance-available\\",children:\\"Where is Lemonade Car insurance available?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/pay-per-mile/explained/arizona-car-insurance/\\",children:\\"Arizona\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/california-car-insurance/\\",children:\\"California\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/colorado-car-insurance/\\",children:\\"Colorado\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/florid
1a-car-insurance/\\",children:\\"Florida\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/illinois-car-insurance/\\",children:\\"Illinois\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/indiana-car-insurance/\\",children:\\"Indiana\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/missouri-car-insurance/\\",children:\\"Missouri\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/ohio-car-insurance/\\",children:\\"Ohio\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/pay-per-mile/explained/oregon-car-insurance/\\",children:\\"Oregon\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/tennessee-car-insurance/\\",children:\\"Tennessee\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/texas-car-insurance/\\",children:\\"Texas\\"}),\\" and \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/pay-per-mile/explained/washington-car-insurance/\\",children:\\"Washington\\"}),\\".\\"]}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"We\\\\u2019ll be rolling out our insurance products in \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/lemonade-goes-global\\",children:\\"additional states\\"}),\\" in the coming months.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"claims-2\\",children:\\"Claims\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-i-file-a-claim-2\\",children:\\"How do I file a claim?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Easy! Just open the \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/download\\",children:\\"Lemonade app\\"}),\\" and hit the \\\\u2018File a Claim\\\\u2019 button. We will guide you through the rest of the short process there.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-will-i-get-paid-for-a-claim-2\\",children:\\"How will I get paid for a claim?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"After you complete the claim report on the \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/download\\",children:\\"Lemonade app\\"}),\\", you will be asked to enter your bank account information. Once your claim is approved, we\\\\u2019ll issue payment, minus the amount of your deductible, directly into your account.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-fast-will-a-claim-be-paid-2\\",children:\\"How fast will a claim be paid?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Our goal is to pay claims as quickly as possible. There will be cases in which we\\\\u2019ll need to wait for external reviews and appraisals before we can approve a claim, and there may be property damage claims or liability claims that take longer to settle. If this is not the first loss you\\\\u2019re reporting, or if some of the information we require is missing from your report, our team will need extra time to manually assess the incident and will most likely get in touch with you for further review.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"why-does-lemonade-ask-me-to-record-a-video-during-the-claims-process-2\\",children:\\"Why does Lemonade ask me to record a video during the claims process?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"There\\\\u2019s no better way for us to understand your incident than by having you tell us in your own words. It only takes a minute to shoot the video. We\\\\u2019ll use your video solely for the process of handling or reviewing your claim.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-you-calculate-the-value-of-my-car-during-a-claim\\",children:\\"How do you calculate the value of my car during a claim?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Many factors go into determining a car\\\\u2019s fair market value and appraisal report. An appraisal starts with having all the correct details about your car, like year, make, model, \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/car-insurance-for-low-mileage-drivers/\\",children:\\"mileage\\"}),\\", operating capacity as well as trim level, safety features, feature upgrades, the condition of your car\\\\u2019s paint, carpet, seats, etc. An estimator may do this at a body shop if your car needs \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/car/explained/car-repair-insurance/\\",children:\\"repairs\\"}),\\", or an outside auto appraiser may be hired to do a valuation. After all of the conditions and features are cross-checked, your car will be compared to other recently sold ones in your area that are similar to your car, with adjustments as needed for mileage and condition.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"are-claims-handled-differently-if-im-using-fsd\\",children:\\"Are claims handled differently if I\\\\u2019m using FSD?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"No. Your coverage works exactly the same whether you\'re driving manually or using FSD. If damage occurs, we handle your claim just like any other. The FSD discount doesn\'t change your coverage or claims process.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"environmentalism\\",children:\\"Environmentalism\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-is-lemonade-car-working-to-reduce-damage-to-the-environment\\",children:\\"How is Lemonade Car working to reduce damage to the environment?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"We designed our car insurance in a way that holds us accountable to do our part to keep the environment safe, and allows us to reward you for the things you\\\\u2019re already doing to drive as earth-consciously as possible. That means we\\\\u2019ll help clean up after your CO2 emissions by planting trees based on your mileage, and give you discounts, in most states, for driving an EV or hybrid car, charge you less
1when you drive less, and provide additional coverages for charging equipment.\\"}),`\\n`,(0,o.jsx)(e.h1,{id:\\"pet-health-insurance\\",children:\\"Pet Health Insurance\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"policy-3\\",children:\\"Policy\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-i-know-what-my-policy-covers\\",children:\\"How do I know what my policy covers?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"You get to see a summary of your \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/pet-insurance/\\",children:\\"coverage\\"}),\\" and a sample of a policy when you sign up, and before you pay. You\\\\u2019ll also be able to edit your coverage and other policy settings such as the deductible, start dates, and more. After payment, we will instantly issue your final policy and send it to you by email. \\",(0,o.jsx)(e.a,{href:\\"https://icebox.lemonade.com/tokens/lftkn-rzlweve38awxrdppbd1i?inline=true\\",children:\\"Here\\\\u2019s some important info for California pet parents.\\"})]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-you-calculate-my-premium\\",children:\\"How do you calculate my premium?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Pet premiums factor in your pet\\\\u2019s breed, age, and optional add-ons that you choose. We also provide a bundling discount for policyholders who hold a pet and home insurance policy from Lemonade, such as homeowners, renters, co-op, or condo insurance.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"does-lemonade-require-my-pets-medical-history\\",children:\\"Does Lemonade require my pet\\\\u2019s medical history?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"At Lemonade, we require a \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/pet-medical-records/\\",children:\\"medical record\\"}),\\" that includes info that covers the last 12 and a half months of your pet\\\\u2019s life (this includes the 14 day illness waiting period on your policy). If your pet is less than a year old, the medical record should include info from birth through the illness waiting period.\\"]}),`\\n`,(0,o.jsx)(e.p,{children:\\"We need a full \\\\u2018nose to tail\\\\u2019 exam of your pet (called SOAP notes by vets). This will usually include:\\"}),`\\n`,(0,o.jsxs)(e.ul,{children:[`\\n`,(0,o.jsx)(e.li,{children:\\"Notes on the condition of fur, skin, eyes, ears, mouth, joints, and other body systems\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"Blood test/fecal test results\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"Details on diet/exercise\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"Details on current medications\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"Date of last vaccination\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"Any medications they are being sent home with today\\"}),`\\n`]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"can-i-go-to-any-vet\\",children:\\"Can I go to any vet?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"You can go to any vet you like in the US. As long as they\\\\u2019re licensed to provide veterinary care in the state they operate in, it\\\\u2019s fair game.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-if-i-want-to-cancel-my-policy\\",children:\\"What if I want to cancel my policy?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"You can cancel your policy at any time through the app, and receive a refund for the remaining period you\\\\u2019ve paid for. (FYI, canceling your policy will eliminate any potential Giveback associated with your policy.) And if you ever want to return, it\\\\u2019s no problem! Know that our prices change from time to time, so your new policy may come with a different rate. Keep in mind that any illnesses or injuries that occurred or were diagnosed under your former policy will be considered \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/pet-insurance-pre-existing-conditions/\\",children:\\"pre-existing conditions\\"}),\\" on a future policy.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"can-i-sign-up-over-the-phone-1\\",children:\\"Can I sign up over the phone?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"No, you can only sign up for Lemonade through our mobile app or our website.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"great-prices-i-got-a-quote-thats-higher-than-my-old-insurer-what-gives-3\\",children:\\"Great prices? I got a quote that\\\\u2019s higher than my old insurer, what gives?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"We say we have great prices, and we mean it. But while our prices tend to be cheaper than the more established players, that won\\\\u2019t always be the case. \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/insuropedia/dictionary/insurer/\\",children:\\"Insurers\\"}),\\" use different models and data sets to establish prices, and on occasion, our prices will be higher than someone else\\\\u2019s. It\\\\u2019s the way statistics work. Also, remember that any leftover money may be donated to a charity of your choosing during the annual Giveback, which is another good reason to choose Lemonade!\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-i-change-my-address-for-my-lemonade-policy\\",children:\\"How do I change my address for my Lemonade policy?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Congrats on the new place! A move has different implications for different kinds of policies. For your pet health insurance policy, you can just open the app and let us know about your change of address.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"if-i-report-a-loss-or-have-bad-credit-will-my-premium-be-affected-3\\",children:\\"If I report a loss or have bad credit, will my premium be affected?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"No, never. For Lemonade Pet insurance, your claims history and credit score won\'t affect your premiums, no matter how many claims you file.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"coverage-3\\",children:\\"Coverage\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"can-i-change-my-coverage-after-purchase\\",children:\\"Can I change my coverage after purchase?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"You can request to increase your coverage within the first 14 days of your policy, and at your policy\\\\u2019s renewal. However, in most states, you can request to decrease your coverage at any time. All changes are subject to our underwriting team\\\\u2019s approval.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"when-does-my-coverage-kick-in\\",children:\\"When does my coverage kick in?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Depending on where you live, your policy could have different waiting periods. Here are a few different waiting periods your policy may include:\\"}),`\\n`,(0,o.jsxs)(e.ul,{children:[`\\n`,(0,o.jsx)(e.li,{children:\\"2 days for accidents\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"14 days for illnesses\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"30 days for orthopedic conditions\\"}),`\\n`,(0,o.jsx)(e.li,{children:\\"6 months for cruciate ligament events (a common knee injury for dogs, similar to a human tearing their ACL)\\"}),`\\n`]}),`\\n`,(0,o.jsx)(e.p,{children:\\"Routine vet care coverage is not subject to any waiting period.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"It\\\\u2019s important to review your policy carefully to understand which waiting periods may affect your pet and coverage.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"These waiting periods begin on your policy\\\\u2019s start date. We can only offer reimbursement for your claim after the applicable waiting period ends. That\\\\u2019s why it\\\\u2019s so important that you buy insurance long before you need it.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-is-a-deductible\\",children:\\"What is a deductible?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"For a pet health insurance policy, the deductible is the annual amount you contribute before your insurance kicks in, which means it can be used up in one big claim or met after multiple claims over the course of a year.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-is-co-insurance\\",children:\\"What is co-insurance?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"In case your pet gets sick or hurt, you are responsible for two different kinds of contributions to the costs of your pet\\\\u2019s diagnoses and treatments: your deductible, and the remainder of the cost after co-insurance.\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/co-insurance/\\",children:\\"Co-insurance\\"}),\\" is the percentage of the total cost we\\\\u2019ll pay on a claim. So if the co-insurance you chose is 80%, then after your annual deductible is satisfied we\\\\u2019ll pay for 80% of covered costs when your pet gets veterinary care, and you\\\\u2019ll pay the other 20%. Keep in mind that this is applied to every claim.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"is-my-roommate-covered\\",children:\\"Is my roommate covered?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"No, you can\\\\u2019t share a pet health insurance policy with your roommate.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"can-my-significant-other-use-this-policy\\",children:\\"Can my significant other use this policy?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"If you\\\\u2019re married, your spouse will be able to file claims on a policy in your name. If you\\\\u2019re sharing a pet, but not married, you\\\\u2019ll need to make sure whoever legally owns the pet has the pet health insurance policy.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-kinds-of-bad-things-am-i-covered-for-with-pet-health-insurance\\",children:\\"What kinds of bad things am I covered for with pet health insurance?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Your pet health insurance policy covers the costs of diagnostics and treatments for accidents and illnesses. So if your dog starts throwing up, and it turns out they ate something dangerous, you\\\\u2019d be covered for any medicine or surgery relating to it. You can read more about \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/pet-insurance-coverage/\\",children:\\"what\\\\u2019s covered here\\"}),\\".\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-kinds-of-things-are-not-covered-under-a-lemonade-policy-1\\",children:\\"What kinds of things are not covered under a Lemonade policy?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Unfortunately, our policies can\\\\u2019t cover everything. For your pet health insurance policy, you won\\\\u2019t be covered for pre-existing conditions, dental care, elective surgeries not related to an accident/illness, or anything that happens as a result of your neglect. We made some cheat sheets of what\\\\u2019s not covered under your \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/what-pet-health-insurance-does-not-cover\\",children:\\"pet health insurance\\"}
1),\\" policies to help you know what you\\\\u2019re getting.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"can-i-extend-coverage-on-my-pet-health-insurance-policy\\",children:\\"Can I extend coverage on my pet health insurance policy?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Yes. When you purchase a policy you have the option of toggling on some additional coverages. Our Preventative and Wellness package means we\\\\u2019ll pay for preventative care costs (like annual wellness exams, bloodwork, vaccines, and more). We\\\\u2019ll also give you access to live chat with our pet health experts.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"If you really want to go above and beyond for your pet you can add the Extended Accident and Illness package, which allows us to reimburse you for treatments for functionality issues (things like physical therapy, acupuncture, and hydrotherapy) that can help your pet through a recovery process. We\\\\u2019ll also pay for vet visit fees that are charged for accidents and illnesses.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Of course, there are some exclusions and limits on our coverages, and you can find them clearly explained in our policy.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"why-should-i-add-preventative-care-or-add-ons-to-my-pet-health-insurance-policy\\",children:\\"Why should I add preventative care or add-ons to my pet health insurance policy?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Our base pet health insurance policy helps you pay for \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/pet-diagnostics/\\",children:\\"diagnostics\\"}),\\" and treatments related to accidents and illnesses, but you can add our Preventative or Preventative+ package, as well as our physical therapy and vet visit fees add-ons, to get reimbursed for a whole lot more, and keep your pet healthy.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"if-my-dog-bites-someone-am-i-covered-2\\",children:\\"If my dog bites someone, am I covered?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"If your \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/homeowners/explained/dog-bite-homeowners-insurance/\\",children:\\"dog bites someone\\"}),\\" you\'re covered as part of your renters or homeowners policy, \\",(0,o.jsx)(e.em,{children:\\"not\\"}),\\" your pet health insurance policy. However, your renters or homeowners insurance won\\\\u2019t cover you if your dog has a history of biting or if your dog is categorized as high-risk. These breeds can be found in the \'not covered\' section of our policy.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"policy-add-ons\\",children:\\"Policy Add-ons\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-are-the-optional-add-ons-for-a-pet-health-insurance-policy\\",children:\\"What are the optional add-ons for a pet health insurance policy?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"If you add the physical therapy add-on, we\\\\u2019ll be able to reimburse treatments for functionality issues (things like physical therapy, acupuncture, and hydrotherapy) that can help your pet through a recovery process. With the vet visit add-on we\\\\u2019ll pay for vet visit fees that are charged for accidents and illnesses (that\\\\u2019s the fee the vet charges for their time and labor, in addition to the actual cost of the treatment).\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"whats-included-in-lemonades-preventative-pet-health-plans\\",children:\\"What\\\\u2019s included in Lemonade\\\\u2019s preventative pet health plans?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Lemonade\\\\u2019s preventative plans vary by state, but we\\\\u2019ve got options to help keep your pet healthy and happy. Our Routine Vet Care plan is available everywhere we offer pet insurance and covers the basics you\\\\u2019re probably already paying for. This includes one wellness exam per year, up to three vaccines annually, and wellness testing like fecal/parasite tests, bloodwork, and heartworm/FeLV/FIV screening. We also offer Routine Vet Care Plus, which takes things up a notch. This plan gives you unlimited wellness exams and vaccines, plus enhanced wellness testing. In select states, Routine Vet Care Plus also includes Life Essentials coverage, things like spay/neuter, microchip, heartworm and flea/tick prevention medication, de
1worming, nail trimming, joint screening, genetic testing, and preventative x-rays. We also offer dental coverage as a separate add-on. This includes dental illness coverage, and in some states, routine dental cleanings are included too. We\\\\u2019re constantly improving our plans and rolling out updated versions to better serve pet parents. When you get a quote, you\\\\u2019ll see exactly which plans and add-ons are available for your pet. Make sure to check the details of your policy to understand exactly what you\\\\u2019re covered for.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"payments-3\\",children:\\"Payments\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-i-pay-for-lemonade-1\\",children:\\"How do I pay for Lemonade?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"After reviewing your coverage summary and having an opportunity to look at a sample policy, you\\\\u2019ll be able to pay using your credit or debit card. We will charge you when you pay for your policy, and every month thereafter. If you prefer, you can pay for your policy on an annual basis instead.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-claim-payments-work\\",children:\\"How do claim payments work?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Our pet health insurance is on a reimbursement basis, so we will reimburse you for our part of approved claims.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-if-i-miss-a-premium-payment-2\\",children:\\"What if I miss a premium payment?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"If your credit card is declined, we\\\\u2019ll ask you to provide us with a different one. Please note, we\\\\u2019ll keep bugging you to settle your tab, but eventually, we\\\\u2019ll have to cancel your policy. We\\\\u2019ll warn you first.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"availability-3\\",children:\\"Availability\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"where-is-lemonade-pet-health-insurance-available\\",children:\\"Where is Lemonade pet health insurance available?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/alabama-pet-insurance-guide/\\",children:\\"Alabama\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/arizona-pet-insurance-guide/\\",children:\\"Arizona\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/arkansas-pet-insurance-guide/\\",children:\\"Arkansas\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/california-pet-insurance-guide/\\",children:\\"California\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/colorado-pet-insurance-guide/\\",children:\\"Colorado\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/connecticut-pet-insurance-guide/\\",children:\\"Connecticut\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/delaware-pet-insurance/\\",children:\\"Delaware\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/state/dc-pet-insurance/\\",children:\\"District of Columbia\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/florida-pet-insurance-guide/\\",children:\\"Florida\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/georgia-pet-insurance-guide/\\",children:\\"Georgia\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/hawaii-pet-insurance/\\",children:\\"Hawaii\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/illinois-pet-insurance-guide/\\",children:\\"Illinois\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/indiana-pet-insurance-guide/\\",children:\\"Indiana\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/iowa-pet-insurance-guide/\\",children:\\"Iowa\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/kentucky-pet-insurance-guide/\\",children:\\"Kentucky\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/state/louisiana-pet-insurance/\\",children:\\"Louisiana\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/state/maine-pet-insurance/\\",children:\\"Maine\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/maryland-pet-insurance-guide/\\",children:\\"Maryland\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/massachusetts-pet-insurance-guide/\\",children:\\"Massachusetts\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/michigan-pet-insurance-guide/\\",children:\\"Michigan\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/minnesota-pet-insurance-guide/\\",children:\\"Minnesota\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/mississippi-pet-insurance-guide/\\",children:\\"Mississippi\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/missouri-pet-insurance-guide/\\",children:\\"Missouri\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/state/montana-pet-insurance/\\",children:\\"Montana\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/nebraska-pet-insurance-guide/\\",children:\\"Nebraska\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/nevada-pet-insurance-guide/\\",children:\\"Nevada\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/new-hampshire-pet-insurance-guide/\\",children:\\"New Hampshire\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/new-jersey-pet-insurance-guide/\\",children:\\"New Jersey\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/new-mexico-pet-insurance-guide/\\",children:\\"New Mexico\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/new-yor
1k-pet-insurance-guide/\\",children:\\"New York\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/north-carolina-pet-insurance-guide/\\",children:\\"North Carolina\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/state/north-dakota-pet-insurance/\\",children:\\"North Dakota\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/ohio-pet-insurance-guide/\\",children:\\"Ohio\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/oklahoma-pet-insurance-guide/\\",children:\\"Oklahoma\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/oregon-pet-insurance-guide/\\",children:\\"Oregon\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/pennsylvania-pet-insurance-guide/\\",children:\\"Pennsylvania\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/rhode-island-pet-insurance-guide/\\",children:\\"Rhode Island\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/south-carolina-pet-insurance-guide/\\",children:\\"South Carolina\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/tennessee-pet-insurance-guide/\\",children:\\"Tennessee\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/texas-pet-insurance-guide/\\",children:\\"Texas\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/utah-pet-insurance-guide/\\",children:\\"Utah\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/virginia-pet-insurance-guide/\\",children:\\"Virginia\\"}),\\", \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/washington-pet-insurance-guide/\\",children:\\"Washington\\"}),\\", and \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/wisconsin-pet-insurance-guide/\\",children:\\"Wisconsin\\"})]}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"We\\\\u2019ll be rolling out our insurance products in \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/blog/lemonade-expansion-united-states/\\",children:\\"additional states\\"}),\\" in the coming year.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"claims-3\\",children:\\"Claims\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-i-file-a-claim-3\\",children:\\"How do I file a claim?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Easy! Just open the \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/download\\",children:\\"Lemonade app\\"}),\\" and hit the \\\\u2018File a Claim\\\\u2019 button. We will guide you through the rest of the short process there.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-will-i-get-paid-for-a-claim-3\\",children:\\"How will I get paid for a claim?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"After you complete the claim report on the \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/download\\",children:\\"Lemonade app\\"}),\\", you will be asked to enter your bank account information. Once your claim is approved, we\\\\u2019ll issue payment, minus the amount of your contribution, directly into your account.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-fast-will-a-claim-be-paid-3\\",children:\\"How fast will a claim be paid?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Our goal is for the majority of simple claims to be paid almost instantly. For a pet health insurance policy, this could mean covering the costs of a procedure or test before leaving your vet\\\\u2019s office. There will be cases in which we\\\\u2019ll need to fully review the claim in order to approve it, and there will be claims that may take longer to settle. If this is not the first claim you are filing, or if some of the information we require is missing from your report, our team will need extra time to manually assess the incident and will most likely get in touch with you for further review.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"whats-considered-a-claim-emergency-2\\",children:\\"What\\\\u2019s considered a claim emergency?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"For your pet health insurance policy, these claims could be anything from a car accident to ingestion of a \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/pet/explained/toxic-foods-dogs/\\",children:\\"toxic food\\"}
1),\\" requiring immediate surgery. For emergencies, you should contact your pet care provider as soon as possible, and file a claim on the \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/download\\",children:\\"Lemonade app\\"}),\\" when you\\\\u2019re ready.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"will-my-credit-score-be-affected-by-applying-for-a-policy-2\\",children:\\"Will my credit score be affected by applying for a policy?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"No. We sometimes perform a \\\\u2018soft\\\\u2019 credit check, but this does not affect your credit score in any way. We may have to run this check in order to complete your policy pricing.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-documentation-do-you-need-from-me\\",children:\\"What documentation do you need from me?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"When it comes to claims for your pet\\\\u2019s health, you\\\\u2019ll need to send us the invoice and the receipt from your vet or clinic. If that sounds like a headache, don\\\\u2019t worry, your vet/clinic will know what documentation is necessary for us to help cover costs. Keep in mind that in order to participate in the payment of your pet\\\\u2019s care, we\\\\u2019ll need to have a medical exam on file from the 12 months prior to your policy period\\\\u2019s start date, or from the first two weeks after you sign up. We may also ask for additional information from your vet when handling a claim.\\"}),`\\n`,(0,o.jsx)(e.h1,{id:\\"life-insurance\\",children:\\"Life Insurance\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"policy-4\\",children:\\"Policy\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-does-term-life-insurance-work-at-lemonade\\",children:\\"How does term life insurance work at Lemonade?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"We offer term life insurance policies through our partners at Banner Life. You start the application process on Lemonade, where you\\\\u2019ll answer a few basic questions about yourself and your health.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"From there, we\\\\u2019ll transfer you over to Banner Life where you can finish up your application and customize your policy.\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/products/\\",children:\\"Ready to try it out? Click here\\"}),\\" to get started.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"who-can-apply-for-coverage\\",children:\\"Who can apply for coverage?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Anyone between 20 and 75 years of age can apply.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"i-was-declined-why\\",children:\\"I was declined. Why?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Sadly, not everyone can be approved for a term life policy - whether that\\\\u2019s due to your health background or lifestyle factors.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-kind-of-life-insurance-does-lemonade-offer\\",children:\\"What kind of life insurance does Lemonade offer?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Term life insurance. You can apply for a policy that lasts for either 10, 15, 20, 25, 30, 35, or 40 years, with coverage starting at $100,000 to help protect your family in the event of your loss.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"is-a-medical-exam-required\\",children:\\"Is a medical exam required?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"In some cases a medical exam will be required in order to offer you coverage. Whether or not you\\\\u2019re required to get a medical exam will be determined based on the medical information you provide. A medical exam helps our partner, Banner Life to offer you the best price for your policy.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-happens-when-the-policy-term-ends\\",children:\\"What happens when the policy term ends?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Your policy will simply expire. If you\\\\u2019d like to get another policy after it expires, you\\\\u2019re welcome to reapply.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"can-i-cancel-at-any-time\\",children:\\"Can I cancel at any time?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"You sure can! There is never any charge for voluntarily canceling your policy. We even offer a 30-day free look period, so you\'ll get a full refund of your first month\'s premium if you cancel within the first 30 days. To cancel your policy, you can call us at 844-733-8666.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-much-does-life-insurance-cost-at-lemonade\\",children:\\"How much does life insurance cost at Lemonade?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Policies start at around $8/mo, though your customized premium depends on several factors, including how much coverage you get (and for how long), as well as your age, lifestyle, health background, and location.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"will-my-price-change-over-the-years\\",children:\\"Will my price change over the years?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Nope. Whether you choose a 10, 15, 20, 25, 30, 35, or 40 year term, your premium is locked in for the entire period.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"is-my-information-kept-confidential\\",children:\\"Is my information kept confidential?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"We\\\\u2019re obsessed with our customers\\\\u2019 privacy (see our \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/privacy-policy\\",children:\\"Privacy Pledge\\"}),\\"). We will never sell your information to any third party. Note that, in order to provide our service, we may
1need to transfer information to our partners and providers, solely for the purposes of regulatory and financial audits; running our service and resolving an incident; or obtaining a term life policy and settling claim benefits.\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-about-beneficiaries\\",children:\\"What about beneficiaries?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"There are two types: primary and contingent. Primary beneficiaries are the first in line to get benefits; contingent only get benefits if the primary beneficiaries die or can\\\\u2019t accept benefits.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"can-i-change-my-policy\\",children:\\"Can I change my policy?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"You can apply to make changes to your policy directly through Banner Life. Changes could include: coverage increases or decreases, beneficiary changes, term changes, and payment plans.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"coverage-4\\",children:\\"Coverage\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"who-should-i-list-as-my-beneficiary-if-something-happens-to-me\\",children:\\"Who should I list as my beneficiary if something happens to me?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"You can name your current or former spouse, domestic partner, parents, kids, business partner, fianc\\\\xE9 or fianc\\\\xE9e, sibling, grandparent, or an organization or institution.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"If you\\\\u2019re looking to give your partner and kids financial support, your spouse might be the right choice. If you\\\\u2019d like to support your business, your business partner would be sensible. You\\\\u2019ll need to choose the first in line to receive a payout (your \\\\u2018primary beneficiary,\\\\u2019 in insurance speak), and you also have the option to select a backup (aka, your \\\\u2018contingent beneficiary\\\\u2019).\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-kinds-of-things-are-not-covered-under-a-term-life-policy\\",children:\\"What kinds of things are not covered under a term life policy?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Term life doesn\\\\u2019t cover death from suicide in the first 2 years of your policy.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Also, if any inaccurate or false information was provided when signing up for life insurance, we can\\\\u2019t cover the claim. Rest assured that the sign-up process is simple, clear, and easy, to avoid any confusion.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"whats-the-difference-between-term-life-and-whole-life-insurance\\",children:\\"What\\\\u2019s the difference between term life and whole life insurance?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"Term life insurance is the cheapest way to protect your loved ones from financial hardship in case you pass. Term life policies can cover you for 10, 15, 20, 25, 30, 35, or 40 years, while whole life insurance (a type of \\\\u2018permanent\\\\u2019 life insurance) covers you for your entire life. Whole life policies build cash value, so they tend to be more pricey. For more info about term life vs. whole life, \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/life/explained/term-vs-whole-life-insurance/\\",children:\\"check out our guide\\"}),\\".\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"where-can-i-find-more-coverage-details\\",children:\\"Where can I find more coverage details?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"When you apply on Lemonade, you will see a quote estimation before you finalize the application process with Banner Life. From there, they will provide support and additional information around your coverage, payments, and more.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"trust\\",children:\\"Trust\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"will-you-be-around-in-40-years\\",children:\\"Will you be around in 40 years?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Absolutely. Our term life insurance is issued by Banner Life, who have been around for more than 180 years!\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"availability-4\\",children:\\"Availability\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"where-is-lemonades-term-life-offering-available\\",children:\\"Where is Lemonade\\\\u2019s term life offering available?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"In every state across the US, except New York. In other words, term life at Lemonade is available in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington, D.C., West Virginia, Wisconsin, and Wyoming.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"switching-1\\",children:\\"Switching\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"can-i-switch-to-lemonade-if-i-already-have-an-active-life-insurance-policy\\",children:\\"Can I switch to Lemonade if I already have an active life insurance policy?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Yes, in most states. You can either keep your original term life policy as a supplement, or cancel it entirely via your current insurer. Take note that regulations prevent us from replacing an existing term life policy in Florida, Georgia, Indiana, Kansas, Michigan, Nevada, Oklahoma, and Wyoming.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"i-have-term-life-insurance-through-work-is-that-enough\\",children:\\"I have term life insurance through work. Is that enough?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Any life insurance is surely better than none, but take note that employer-based insurance generally only provides coverage amounting to 1-2 times your salary, which may not be enough for your family\\\\u2019s future financial needs. It is recommended to get an additional term life policy alongside the one you might have through work.\\"}),`\\n`,(0,o.jsx)(e.h1,{id:\\"giveback\\",children:\\"Giveback\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-is-the-lemonade-giveback\\",children:\\"What is the Lemonade Giveback?\\"}),`\\n`,(0,o.jsx)(e.p,{children:`The Lemonade Giveback is how we support amazing nonprofits who are doing good in the world.\\nWhen you get your first Lemonade policy, you choose a cause, and throughout the year, your policy helps support nonprofits working on that cause. When everyone knows their insurance supports important work, it brings out the best in all of us. Customers and our claims team alike understand that good luck and responsible choices mean more support flowing to the causes our community picked.`}),`\\n`,(0,o.jsx)(e.p,{children:\\"Since 2017, we\'ve donated over $12M to help build homes, provide clean water, improve education, support animal rights, and more. As a Certified B Corporation, we\'re legally committed to balancing profit with purpose, and Giveback is how that commitment shows up in your everyday insurance experience.\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Note: Giveback doesn\'t apply to life insurance.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"when-do-you-pay-the-giveback\\",children:\\"When do you pay the Giveback?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Giveback happens throughout the year as your policy supp
1orts the causes you chose. It\'s ongoing support, not a single annual donation, so your insurance connects to real impact all year long.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-do-you-choose-which-nonprofits-to-give-back-to\\",children:\\"How do you choose which nonprofits to give back to?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"We work with organizations that align with our mission of transparency and taking stands. We listen to customer suggestions and respond to current events, constantly adding local, national, and global nonprofits to our list.\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"We assess every nonprofit based on transparency, financial practices, and high ratings from Charity Navigator. Find the full list of \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/blog/social-impact-meets-insurance/\\",children:\\"Giveback partners here\\"}),\\".\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-often-can-i-change-causes\\",children:\\"How often can I change causes?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Once you pick a cause, it will be set until we pay the next annual Giveback. Once the Giveback is paid, you will have an opportunity to pick a new cause.\\"}),`\\n`,(0,o.jsx)(e.h2,{id:\\"how-can-i-add-my-cause-to-your-giveback-program\\",children:\\"How can I add my cause to your Giveback program?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"We\\\\u2019ll be happy to consider your cause for our Giveback program. For more information, reach out to us at \\",(0,o.jsx)(e.a,{href:\\"mailto:[email protected]\\",children:\\"[email protected]\\"}),\\".\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"is-the-giveback-guaranteed\\",children:\\"Is the Giveback guaranteed?\\"}),`\\n`,(0,o.jsxs)(e.p,{children:[\\"No. Giveback is part of our corporate policy, and our plan is to pay it every year. But sometimes, groups choosing the same Giveback charity will not have any money left to give back because their claims depleted the Giveback pool. Paying claims is our top priority, and in extreme circumstances could come at the expense of Giveback. Check out our most recent \\",(0,o.jsx)(e.a,{href:\\"https://www.lemonade.com/giveback-2020\\",children:\\"Giveback\\"}),\\".\\"]}),`\\n`,(0,o.jsx)(e.h2,{id:\\"what-happens-to-my-giveback-if-i-cancel-my-policy\\",children:\\"What happens to my Giveback if I cancel my policy?\\"}),`\\n`,(0,o.jsx)(e.p,{children:\\"Lemonade only pays a Giveback with respect to active policies.\\"})]})}function h(n={}){let{wrapper:e}=n.components||{};return e?(0,o.jsx)(e,{...n,children:(0,o.jsx)(d,{...n})}):d(n)}function x(n,e){throw new Error(\\"Expected \\"+(e?\\"component\\":\\"object\\")+\\" `\\"+n+\\"` to be defined: you likely forgot to import, pass, or provide it.\\")}return b(I);})();\\n;return Component;"},"_id":"faq/en-US.mdx","_raw":{"sourceFilePath":"faq/en-US.mdx","sourceFileName":"en-US.mdx","sourceFileDir":"faq","contentType":"mdx","flattenedPath":"faq/en-US"},"type":"Faq","slug":"/faq/en-US","slugAsParams":"en-US","faqItems":[{"question":"How is Lemonadeâs business model different from that of a traditional insurance carrier?","answer":"Traditional insurance companies generate profits from whatever premium is left after paying claims and expenses. This insurance business model could create conflict between the insurance company and its customers. Lemonade was built differently. Funds not needed for claims are directed to the nonprofits our customers support (this is called the Lemonade Giveback). This way, our customers enjoy amazing insurance, and society gets a little push for the better. It also means that we\'re happy to pay claims fast and with no hassle. Note: The Lemonade Giveback program doesn\'t apply to the life insurance product."},{"question":"What kind of policies does Lemonade offer?","answer":"We currently offer renters, condo, co-op, homeowners, car, life, and pet health insurance. Weâre constantly working on new and exciting products and features. We recommend following us on Twitter to get updates about new stuff as it becomes available."},{"question":"How do you calculate the cost of a Lemonade Homeowners policy?","answer":"Homeowner premiums are calculated individually for each policyholder and are based on a number of different factors, including the value, condition, and construction quality of your home, as well as your insurance history, previous claims and more. Here are things that could affect your homeowners price: - The more coverage you add the higher the premium gets - The higher deductible you choose, the lower the price will get - Better maintained homes and low risk areas cost less to insure - Insurance history thatâs full of claims will increase your price, and in some cases even prevent us from being able to cover you - Protective devices such as deadbolts, burglar alarms, and smoke alarms will get you a discount - Bundling with other Lemonade products, such as pet insurance, will get you a discount - Paying annually will reduce your premium"},{"question":"Iâm buying a new home, how do I change the address on my Lemonade policy?","answer":"Congrats on the new place! If you havenât moved in yet, we recommend keeping your renter
1s insurance active, and getting a new homeowners policy for your new home. After youâve moved out of your rental apartment and into your home, use the Lemonade app to cancel your renters policy."},{"question":"Will my credit score be affected by applying for a policy?","answer":"No. We sometimes perform a âsoftâ credit check, but this does not affect your credit score in any way. We may have to run this check in order to complete your policy pricing."},{"question":"How do you calculate the cost of a Lemonade Renters policy?","answer":"Renters premiums are calculated individually for each policyholder and are based on a number of different factors. Here are things that could affect your renters insurance price: - The more coverage you add, the higher the premium gets - Choosing a higher deductible can lower your premium price - Where you live may affect your premium - Insurance history thatâs full of claims will increase your price, and in some cases even prevent us from being able to cover you - Protective devices such as deadbolts, burglar alarms, and smoke alarms will get you a discount - Bundling with other Lemonade products, such as pet, will get you a discount - In certain states, paying annually will reduce your premium"},{"question":"Do you offer earthquake coverage?","answer":"We currently offer earthquake insurance policies for our renters in California and Arkansas. Weâre looking to expand this offering to other states, so stay tuned. Itâs worth noting that our base policies in all states already cover direct loss caused by fire, explosion, or theft resulting from earthquakes."},{"question":"How can I increase or decrease Lemonade Renters policy coverages?","answer":"Before purchasing a renters policy, youâll be able to adjust the coverages you need as well as choose a deductible that works best for you. Naturally, we have maximum and minimum limits to all coverages. After you buy a policy, youâll be able to view and edit your coverages through the Lemonade app."},{"question":"How do I add Extra Coverage for my expensive items?","answer":"Itâs easy to add Extra Coverage to your renters policy for your fine art, jewelry, watches, camera bodies and lenses, musical instruments, and some other personal property. Everything can be done through the Lemonade app. All weâll need are photos of the items you want covered, as well as a receipt or appraisal. Weâll be offering the ability to add Extra Coverage for even more types of property soon, but in the meantime, youâre in luck: A base policy already has coverage built in for your big-ticket purchases like furniture, designer clothing, bikes, personal computers, and personal electronics. (Adding Extra Coverage for your bike, though, provides additional benefits and protectionsâlike deductible-free claims, and coverage for accidental damage.)"},{"question":"What happens if Lemonade does not approve my item?","answer":"Our team goes over each item to determine if itâs eligible for Extra Coverage. If your item is not approved, there could be a few reasons. It may be because your item is already covered by your base renters policy, or your item may need special coverage that is not currently offered by Lemonade. In any case, your base policy will not be affected."},{"question":"Where is Lemonade Renters insurance available?","answer":"Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming"},{"question":"Can I switch to Lemonade if I already have a renters policy elsewhere?","answer":"Sure you can! Itâs actually quite easy. Weâll send your previous insurer a formal notice. Once they get it, theyâll need to cancel the remainder of your policy term, and refund you for any outstanding payments. We handle thousands of switching requests every week, with people moving to Lemonade from companies like Allstate, State Farm, Farmers, Liberty Mutual, Geico, USAA, Travelers, and more!"}
1,{"question":"Why does Lemonade ask me to record a video during the claims process?","answer":"Thereâs no better way for us to understand your incident than by having you tell us in your own words. It only takes a minute to shoot the video. Weâll use your video solely for the process of handling or reviewing your claim."},{"question":"How do I pay for Lemonade?","answer":"After reviewing your coverage summary, youâll be able to pay using your credit or debit card. We will charge you when you pay for your policy, and automatically every month thereafter. If you prefer, you can pay for your policy on a semi-annual basis instead, unless you live in Arizona, California, Oregon, or Washington where your price will change each month based on your mileage."},{"question":"What if I miss a premium payment?","answer":"If your credit card is declined, weâll ask you to provide us with a different one. Please note, weâll keep bugging you to settle your tab, but eventually, weâll have to cancel your policy. Weâll warn you first."},{"question":"How do you calculate the value of my car during a claim?","answer":"Many factors go into determining a carâs fair market value and appraisal report. An appraisal starts with having all the correct details about your car, like year, make, model, mileage, operating capacity as well as trim level, safety features, feature upgrades, the condition of your carâs paint, carpet, seats, etc. An estimator may do this at a body shop if your car needs repairs, or an outside auto appraiser may be hired to do a valuation. After all of the conditions and features are cross-checked, your car will be compared to other recently sold ones in your area that are similar to your car, with adjustments as needed for mileage and condition."},{"question":"Can I sign up over the phone?","answer":"No, you can only sign up for Lemonade through our mobile app or our website."},{"question":"Can I extend coverage on my pet health insurance policy?","answer":"Yes. When you purchase a policy you have the option of toggling on some additional coverages. Our Preventative and Wellness package means weâll pay for preventative care costs (like annual wellness exams, bloodwork, vaccines, and more). Weâll also give you access to live chat with our pet health experts. If you really want to go above and beyond for your pet you can add the Extended Accident and Illness package, which allows us to reimburse you for treatments for functionality issues (things like physical therapy, acupuncture, and hydrotherapy) that can help your pet through a recovery process. Weâll also pay for vet visit fees that are charged for accidents and illnesses. Of course, there are some exclusions and limits on our coverages, and you can find them clearly explained in our policy."},{"question":"How will I get paid for a claim?","answer":"After you complete the claim report on the Lemonade app, you will be asked to enter your bank account information. Once your claim is approved, weâll issue payment, minus the amount of your contribution, directly into your account."}]}');let t={"@context":"https://schema.org","@type":"FAQPage",mainEntity:(i.faqItems||[]).map(e=>({"@type":"Question",name:e.question,acceptedAnswer:{"@type":"Answer",text:e.answer}}))},s={layout:{...r.v["en-US"].layout},seo:{title:"FAQ for Renters, Homeowners, Car, Pet, and Life Insurance | Lemonade",metaTitle:"FAQ for Renters, Homeowners, Car, Pet, and Life Insurance | Lemonade",description:"Get all your insurance questions answered in plain English - by Lemonade Insurance.",jsonld:[t],ogImage:"https://marketing-edge-assets.lemonade.com/_next/static/media/og.68463e47.png"},MDXContent:i};var l=n(34343),c=n(35091),d=n(67294);function h(){let{trackEvent:e}=(0,c.Os)();return(0,d.useEffect)(()=>{e("faq_page.viewed")},[]),(0,a.jsx)(l.d,{config:s,locale:"en-US"})}}},function(e){e.O(0,[5844,846,5675,6261,5943,7785,1157,2888,9774,179],function(){return e(e.s=50008)}),_N_E=e.O()}]);
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