Lemonade home insurance review

Lemonade offers one home insurance policy, simply called Home, which we've reviewed. It is underwritten by Lemonade Insurance NV.

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

Please note that this article is for information purposes only and does not constitute advice.

Does Lemonade offer the best home insurance?

Here's how Lemonade scored in our last survey.

• Best Buy for its Home policy's buildings cover
• 73% buildings score on its standard and only policy, 12th out of the 35 policies compared.
• 70% contents score, 13th out of the 35 standard providers reviewed.
• We didn't get enough respondents to our claimants survey to rate Lemonade's customer and claims service.

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 reviewed Lemonade's Home policy. See our table to find out what it offers and what we scored it.

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Check Which? insurance ratings and compare deals using the service provided by Confused.com

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‘Lemonade's policy is a good choice for buildings cover’

Dean Sobers, Which? home insurance expert, says:

Lemonade’s buildings cover scored 73% in our analysis, which placed it in the top 40% of policies we rated and earned it a Best Buy.

And for contents it earned 70%, just above average (68%) but falling a fraction short of our Best Buy threshold of 71%.

If a member of your household is away studying, they get to take some of your insurance with them: 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) and 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 become an issue if you work at home. 

Fee free

If you make adjustments to your policy or even 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 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'll 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 2025. For more ways to save money when buying insurance, see our guide.

How does Lemonade compare with other providers?

Lemonade's building cover for its standard Home policy scored 73%. It was just below standard policies from SAGIC, Lloyds Bank, Halifax, Bank of Scotland and Aviva, which scored 74%.

For contents insurance, Lemonade's standard policy scored 70%. It was just below Lloyds Bank, Halifax and Bank of Scotland policies on 71%.

How can I 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?

We think Lemonade is worth considering for its Buildings cover (for which it received a Best Buy), though its contents cover stood out less. 

As always, check that its cover meets your requirements but, if the price is right, it could be worth the purchase. 

How we rate home insurance