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17 Sept 2026

Lemonade home insurance review

Lemonade’s policy earned average scores in our analysis

Dean SobersSenior researcher & writer

Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.

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Dive into the detail with our expert reviews

We rated 177 elements of each policy, covering buildings, contents and admin points such as fees.
We asked 3,419 home insurance customers who made a claim within the past two years to score their insurer.

In this article

Does Lemonade offer the best home insurance?
What does Lemonade home insurance cover?
‘Middling cover from Lemonade’
How good is Lemonade at handling claims?
How can you save money on Lemonade home insurance?
How does Lemonade compare with other providers?
Lemonade home insurance: How can you claim?
Should you buy Lemonade home insurance?

Lemonade offers one home insurance policy, which we've reviewed.

You can visit the website for a quote or find Lemonade on price comparison websites.

It is underwritten by Lemonade Insurance NV.

Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the insurer's T&Cs before committing to any financial products.

Does Lemonade offer the best home insurance?

Lemonade

Lemonade’s policy scores were around average.

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Policies

Home (buildings)69%
Home (contents)67%

See how this compares with the best home insurance, or read more about how we rate home insurance.

What does Lemonade home insurance cover?

We've reviewed Lemonade's home insurance policy. Take a look at what it offers and what we scored it.

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Buildings - Alternative accommodation	£50,000
Buildings - Burst pipes	Included
Buildings - Escape of water excess	£800
Home emergency cover limit	£1,000
Home emergency - central heating/boiler repair	£1,000
Buildings - Groundwater flooding	Not covered	0 out of 5
Subsidence excess	£950
Contents - Valuables unspecified single item limit	£2,000
Contents - Alternative accommodation	£50,000
Contents - Accidental damage	Optional extra
Contents - Guests' belongings	Not covered	0 out of 5
Contents - Theft of contents in the open	Up to sum insured - optional extra
Contents - Damage to contents in the open	Up to sum insured
Contents - Theft from outbuilding	Up to sum insured
Contents - Damage to contents in an outbuilding	Up to sum insured
Contents - Personal possessions cover single item limit	£2,000

Table last updated in September 2026. Next update in September 2027. We recommend checking policies before buying.

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‘Middling cover from Lemonade’

Dean Sobers, Which? home insurance expert, says:

Lemonade’s buildings cover scored 69% in our analysis, which placed it near the middle of our tables – a little shy of the 71% average.

For contents it earned 67% – the same as the average score.

If a member of your household is away studying, their possessions are insured, too: students' contents are covered while temporarily stored at their student accommodation.

Damage caused by floods and storms is covered, whether it affects your main property or outbuildings (for example, a shed or garage). Unlike some policies, storm damage affecting fixed items in the open (such as a hot tub) is also covered.

On the downside, Lemonade’s contents cover doesn’t cover business equipment, which could be an issue if you work at home.

Fee-free

If you make adjustments to your policy or cancel it before renewal, Lemonade won’t charge admin fees.

However, as with half of the policies we rated, customers paying for their cover in monthly instalments will be charged more than those paying in one go.

How good is Lemonade at handling claims?

Lemonade's underwriter, Lemonade Insurance NV, accepted 50-55% of claims on buildings-only policies – below the industry average of 63%. Some 0-5% of claimants on these policies lodged a complaint, which was well below the average (13%).

Meanwhile, the underwriter accepted 70-75% of claims on contents-only policies – in line with the average of 71%. Some 5-10% of claimants complained, which is also in line with the 7% average.

When it came to claims on combined policies, the underwriter accepted 60-65% of claims – below the 71% average. Some 0-5% of claimants complained, which is well below the 12% industry average.

How can you save money on Lemonade home insurance?

To check to see if you're getting a good deal, Lemonade's home insurance policy can be bought from the following price comparison websites:

Compare The Market
Confused.com
Go.Compare
MoneySuperMarket
Quotezone

You can also get a quote via Lemonade's website.

Want to pay monthly? Lemonade charges higher premiums for those who pay monthly, so you might be better off paying annually on an interest-free credit card.

Above information correct as of August 2026. For more ways to save money when buying insurance, see our guide.

Visit Lemonade directly to find out more about its home insurance policy.

How does Lemonade compare with other providers?

Although we didn't have enough customer feedback to calculate an overall satisfaction score for Lemonade, its buildings policy scored 69% and ranks joint 21st in our standard buildings cover table. Standard policies from Privilege and Sagic also scored 69%.

As for contents insurance, its policy scored 67% – matching standard contents policies from Churchill and LV – and sits in joint-14th place among standard policies.

Lemonade home insurance: How can you claim?

Lemonade insists you claim via its app. If you lose your phone, you can download and log into the app on another phone.

Find out more: Is it worth claiming on your home insurance?

Should you buy Lemonade home insurance?

While middling cover might be sufficient for your needs, we found Lemonade’s low claims acceptance rate concerning, so can’t recommend it.

How we rate home insurance

Policy analysis

We analyse and rate 177 aspects of cover across insurers' policies, including their key buildings and contents features, and elements applicable to both kinds of cover (such as admin fees). We use this data to award each provider policy scores for its buildings and contents cover.

Initially, we score all of the product elements out of five, reflecting how competitive each policy is in this area compared with other insurance products. We also assess how important different policy elements are to consumers when choosing and using their home insurance, and factor this in when calculating our policy scores. More important features (such as alternative accommodation cover) will have more of an effect on the score than some other features (such as cover for the contents of your freezer).

Customer survey

We also surveyed 3,419 members of the public who had made a claim in the past two years. The survey was conducted in May-June 2026.

Our customer score reflects the general satisfaction of customers with their current insurer and their likelihood of recommending it. The claims score reflects how satisfied they were with how their most recent claim was handled and their likelihood of recommending the insurer for claims.

We review a lot of policies – and being a Best Buy recognises the individual products that stood out as being the most comprehensive in our analysis. It doesn't reflect customer service. However, we won't give a provider a Best Buy where there's evidence – from our surveys or from Financial Conduct Authority data – of poor service or a poorer-than-average record of paying claims.

Buildings Best Buy policies must have a minimum buildings policy score of 73%
Contents Best Buy policies must have a contents score of at least 70%

Additionally, we look at how consistently good the cover is in policies. To make the cut, a policy needs to have scored at least three out of five points in two thirds of the areas we've rated (find out more: how we rate policies).

Lastly, all Best Buy policies must have – or make available – the following levels of cover as a minimum:

Buildings

Flood, storm, subsidence and accidental damage cover; Cover for burst or blocked pipes; Trace and access cover (£5,000); Alternative accommodation (£50,000) with no time limit; Property owner liability (£1m); Replacement of locks or keys for external doors (£500); Home Emergency Cover (£500 and includes the central heating system).

Contents

Accidental damage cover; Theft and damage of contents in the open; Theft and damage of contents from outbuildings; Business equipment; Alternative accommodation (£15,000); Money in the home (£500); Valuables (unspecified single item limit – £2,000); Personal possessions (unspecified single item limit - £1,000); Replacement of locks or keys for external doors (£500).

Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the insurer's T&Cs before committing to any financial products.