How do you file a claim with Lemonade?

Whether you’re filing an auto, homeowners or life insurance claim with Lemonade, you will need to do so via Lemonade’s mobile app. Although reporting a claim is typically a straightforward process, you will need to gather some information first. For instance, you will need the basic driver and vehicle information for all involved when filing a car insurance claim. Additionally, the insurance company will likely ask you for your version of the event and to provide any supporting documentation, such as a police report. Lemonade boasts a unique claims experience. After you report your claim on the app, Lemonade’s AI will run the details of your claim through its fraud detection algorithms. If the AI approves your claim, you could receive your claims check instantly. If the AI cannot approve your claim, it will hand it over to dedicated claims representatives to review the file in more detail.

Is Lemonade a sustainable company?

Social responsibility is an area where Lemonade truly shines. Once every year, Lemonade reconciles its financials after paying all outstanding claims and donates excess funds to charities. In fact, in the application process, you will also be able to choose a charity so you can align your policy with your own unique philanthropic views. In 2024 alone, Lemonade gave over $2 million to 43 nonprofits, including Teach for America, charity: water and Feeding America, for a total of more than $10 million since the program’s inception. Lemonade is a Public Benefit Corporation and a Certified B-Corporation, which means it meets strict requirements for social and environmental responsibility. Lemonade also uses its app to calculate how much CO2 its customer’s cars emit annually and plants trees to offset the carbon footprint. Buying your insurance from Lemonade could help give you peace of mind that you’re doing business with a company that has ethical practices at its core.

Lemonade Insurance Review 2025

Featured Lemonade Rating: 3.1 stars out of 5 3.1 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Cost & ratings Rating: 2.3 stars out of 5 2.3 Coverage Rating: 3.6 stars out of 5 3.6 Support Rating: 4.4 stars out of 5 4.4 Read Review	Kin Rating: 2.9 stars out of 5 2.9 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Cost & ratings Rating: 3 stars out of 5 3.0 Coverage Rating: 4.3 stars out of 5 4.3 Support Rating: 0.5 stars out of 5 0.5 Read Review	Amica Rating: 4.6 stars out of 5 4.6 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Cost & ratings Rating: 4.5 stars out of 5 4.5 Coverage Rating: 5 stars out of 5 5.0 Support Rating: 4.4 stars out of 5 4.4 Read Review
OVERVIEW Bankrate identified key carrier features, coverage offerings, discounts and more
Lemonade uses AI to help customers sign up for policies and file claims with its highly rated mobile app. When you file a claim, you’ll be speaking to Lemonade’s AI chatbot, but for some claims, you can work with one of their licensed agents. Lemonade has no agent offices, so it might be better for those who prefer to manage their policies digitally. Read More	Like Lemonade, Kin takes a tech-first approach to how it handles insurance. Customers looking to house all their policies with one company may not be best for Kin, as it doesn’t sell auto or life insurance. It also has more complaints than average with the NAIC, which could be a red flag for some. Read More	Year after year, Amica is highly rated by J.D. Power for customer service and satisfaction. Although its premiums tend to skew higher, Amica could be worth it for someone looking for top-knotch customer service. To get a home or auto quote, visit amica.com or call an agent at 800-242-6422. Read More
STANDOUT FEATURES These features are some of the carrier’s most impressive
Fast claims payout Digital-first insurance No agent offices	Does not sell auto insurance Available in high-risk states Online only, no agent offices	Highly rated digital tools Top-tier customer service Robust coverage options
AVG FULL COV. AUTO RATE Average national annual cost of a full coverage auto insurance policy
No rates available	No rates available	$3,840
J.D. POWER AUTO SCORE J.D. Power’s U.S. Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
Not Scored	Not Scored	746/1000
AVG HOME RATE Average national annual cost of a home insurance policy with $300K in dwelling coverage
No rates available	No rates available	$1,555
J.D. POWER HOME SCORE J.D. Power’s U.S. Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
Not Scored	Not Scored	745/1000
AM BEST RATING AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
Not Scored	Not Scored	A+(Superior)

Lemonade car insurance review

Lemonade’s auto insurance product is relatively new to the market, having launched in 2021. Lemonade acquired the usage-based digital auto insurance company Metromile in 2022, introducing its pay-per-mile car insurance the same year. As of 2025, Lemonade car insurance is only available in nine states — Arizona, Colorado, Illinois, Indiana, Ohio, Oregon, Tennessee, Texas and Washington — though the company plans to expand coverage in the future.

Lemonade received a 2025 Bankrate Score of 2.9 out of 5.0 for auto insurance. Compared to other top car insurance companies, Lemonade has a relatively high NAIC complaint index and fewer discounts available. It uses telematics to base pricing on drivers’ mileage and driving habits. The company also employs artificial intelligence (AI) in the quoting process and policy management.

In theory, this type of digital, AI-driven insurance can speed up insurance tasks and result in more fair, personalized rates than a traditional pricing model. However, it’s worth keeping in mind that individual rates will vary. Additionally, some customers may be uncomfortable with the data-sharing requirements of Lemonade’s pay-per-mile system, which requires location services to be turned on at all times in the Lemonade mobile app.

Pros and cons of Lemonade car insurance

If you know you’d rather handle your car insurance policy completely digitally, Lemonade may be a good option. But consider these pros and cons before you get a quote:

Pros

Usage-based insurance available
Rideshare coverage available
Fixed plan (not pay-per-mile) includes roadside assistance

Cons

No gap insurance
No accident forgiveness
More complaints than average

Lemonade car insurance cost

Average rates for Lemonade car insurance are not available, per Quadrant Information Services. You can get an individual quote directly through Lemonade’s website by selecting “Check Our Prices.” For comparison purposes, the average cost of car insurance is $223 per month (or $2,671 per year) for a full coverage policy and $67 per month (or $806 per year) for minimum coverage.

Looking at third-party company ratings can help to illuminate how well an insurance company satisfies its customers’ needs. Unfortunately, Lemonade car insurance was not included in customer satisfaction studies by J.D. Power.

While Lemonade does not have a financial strength rating from credit agency AM Best, it received a financial stability rating of A (Exceptional) from financial analysis firm Demotech.

Because expert ratings for Lemonade’s car insurance product are still limited, customer complaint records and real user reviews may be the best indicator of customer satisfaction for Lemonade auto insurance.

Lemonade auto insurance customer complaints

The National Association of Insurance Commissioners (NAIC) tracks customer complaints for U.S. insurance companies and compares each company’s rate of complaints as well as its market share. The resulting score, known as an NAIC Complaint Index, indicates whether a company has a high or low rate of customer complaints relative to its size, with a baseline of 1.00. Scores above 1.00 suggest that a company’s customer satisfaction is low, while scores below 1.00 are a positive sign for customer satisfaction.

Lemonade’s 2024 NAIC Complaint Index for auto insurance customers is 10.09, well above the industry average.
EV/hybrid discount

All hybrid and electric vehicles are eligible for a discounted rate.

Bundling discount

Policyholders who also purchase renters, home, life or pet insurance through Lemonade are eligible for a bundling discount.

Paid-in-full discount

Paying your policy upfront can yield a lower rate.

Clean driving record

Having and maintaining a clean driving record can help keep car insurance costs low.

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Lemonade home insurance review

Lemonade could be among the best home insurance companies for homeowners looking for digital policy management or a chance to give back to charitable causes through their insurance. The digital insurance platform received a Bankrate Score of 3.3 out of 5.0 for home insurance.

Lemonade offers standard home insurance policies along with add-ons like a scheduled property package that can provide additional financial protection for art, jewelry, musical instruments, cameras and bicycles. Swimming pool, water backup and buried utility coverage are also available, along with a variety of other homeowners coverage add-ons.

A key advantage Lemonade promises to homeowners is a digital policy management experience, which includes AI-powered claims filing and customer service directly in the mobile app. Lemonade also donates unclaimed funds to a range of charitable causes, from the American Red Cross to the Trevor Project, through its Lemonade Giveback program. If you’re looking for an affordable home insurance company that invests in social change, it may be worth getting home insurance quotes from Lemonade.

Pros and cons of Lemonade homeowners insurance

Lemonade’s home insurance strengths are similar to those of its auto product. It’s likely best for a homeowner looking to manage everything on their phone.

Pros

Streamlined claims process via the Lemonade mobile app
Claim payouts are direct deposited into your checking account
Ample endorsements available

Cons

Not available in every state
More complaints than average
Not rated by J.D. Power

Lemonade home insurance cost

For some homeowners, Lemonade may be one of the cheapest home insurance companies, with Lemonade’s website claiming that homeowners policies can start as low as $25 per month. However, average rates for Lemonade home insurance aren’t currently available, so you will need to request an individual quote through the Lemonade website or mobile app in order to estimate your potential home insurance costs.

For comparison purposes, the average cost of homeowners insurance for a policy with $300K in dwelling coverage is $2,408 per year.

Third-party ratings offer insight into customer service and real experiences for home insurance customers. In the case of Lemonade home insurance, third-party ratings are limited. The company was not ranked in the J.D. Power 2024 U.S. Home Insurance Study for customer satisfaction.

Lemonade home insurance customer complaints

Lemonade currently sits above the industry average for home insurance customer complaints, according to the NAIC. The company’s 2024 NAIC Complaint Index for home insurance was 3.85, which represents a small but steady increase from past years.
The only homeowners insurance discount listed on Lemonade’s website is a bundling discount available to customers who also purchase auto insurance or pet insurance through Lemonade. However, the company notes that you may also qualify for discounts if you install protective devices like sprinklers and smoke detectors in your home or if you use the mobile app’s discounts feature.

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Lemonade renters insurance review

Renters insurance is one of Lemonade's most widely available policies, available in 30 states and Washington, D.C. Like its home and auto policies, Lemonade takes a tech-first approach to renters insurance. According to its website, coverage can begin in as little as 90 seconds, and it can pay claims just as quickly. Its tech-first approach to insurance helped it land on Bankrate's list of the best renters insurance companies.

With Lemonade renters insurance, your personal belongings are automatically insured at their replacement cost value, as opposed to actual cash value. That means if your stuff is damaged in a covered claim, depreciation won't be factored into your claim payout. Most renters insurance companies charge extra for this type of coverage.

Add-on coverage availability varies based on location. Things like earthquake and flood coverage are available in some states. It also offers additional coverage for valuable items for an upcharge. However, to add this endorsement, you'll need to have your items appraised.

Pros and cons of Lemonade renters insurance

Like its home and auto insurance, Lemonade renters insurance doesn’t have many third-party ratings. That said, Bankrate identified some of the company’s key renters pros and cons:

Pros

Advertises cheap renters insurance rates
Ranked highly by J.D. Power for renters insurance
Unused premiums donated to charity

Cons

Not available nationwide
More complaints than average with the NAIC
Not many advertised discounts

Lemaonde renters insurance cost

Average Lemonade renters insurance rates are not available. However, the company advertises premiums as low as $5 per month. To compare, the national average cost of renters insurance was $14 per month in 2021, according to the most recent data available from the Insurance Information Institute.

Customer satisfaction rankings for Lemonade are mixed. Although it wasn't scored for home insurance, it did rank highly in the J.D. Power 2024 U.S. Home Insurance Study's renters insurance category. Lemonade earned a 682/1,000, ranking third.

Its NAIC Complaint Index tells a different story. The NAIC sorts its complaints into different policy types, but there isn't one specifically for renters insurance. Renters insurance complaints fall under the homeowner category, along with condo, mobile home and other home-related policy types.

Lemonade has received more complaints than average since 2022, and complaints are on the rise. In 2022, Lemonade received more than twice the volume of complaints as what would be expected for a company its size. In 2024, that figure grew to more than three times the industry average.
Compared to its competitors, Lemonade doesn't offer many discounts. On its website, it advertises that customers can save on renters insurance by having security devices like smoke alarms and deadbolts and by bundling renters coverage with other policy types (like car insurance). But, because Lemonade's other insurance products may not be as widely available as its renters insurance, some customers may not qualify for the bundle.

Lemonade life insurance review

In addition to home, renters, auto and pet insurance, Lemonade sells term life insurance for lengths of 10 to 40 years, with payouts as high as $100,000,000. Because Lemonade’s life insurance policies are sold online and usually don’t require a medical exam, they could be one of the best life insurance companies for anyone seeking term life insurance with a quick sign-up process.

However, waived exams don’t guarantee that all applicants will qualify. Legal & General Group, which underwrites life insurance for Lemonade, still uses a health questionnaire to determine eligibility through Lemonade’s health and lifestyle AI assistant. Some applicants may be denied coverage or pay a higher rate as a result of their medical history.

Lemonade’s life insurance is available in all U.S. states (except New York) and Washington, D.C. If you’re looking for the best life insurance company for your needs and want term life insurance that may not require a medical exam, you may want to request life insurance quotes from Lemonade.

Pros and cons of Lemonade life insurance

Looking for cheap life insurance can seem intimidating, but making a list of pros and cons to determine where your priorities lie can help.

Pros

Fast underwriting decision after application
Often no medical exam required
Free look period allows for a full refund if policy is canceled within the first 30 days

Cons

Only term life is available
Riders may be limited
Not available in New York

Lemonade doesn’t list life insurance riders on its website. Because Lemonade life insurance policies are underwritten by a different company, the availability of policy riders may vary and could increase the cost of your life insurance.

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Why Lemonade? It's a fresh twist on life insurance: easy, accessible and affordable.

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Read our full methodology

At Bankrate, we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our

78

years of industry experience

10

licensed staff

34.5K

ZIP codes examined

120

carriers reviewed

What are real-life customers saying about Lemonade?

Reddit user 1*

Dec 16, 2024

Lemonade home insurance

“They actually refused to insure my home when I bought it 2 years ago, because they thought my basement joists were structurally unsound… despite my home having undergone a complete renovation prior to purchase, which required an engineer review to get the CO. Every other insurance company I reached out to agreed to cover me, and also had a better rate.”

via Reddit community

Reddit user 2*

Feb 2, 2025

Lemonade for homeowners insurance

“I live in Texas in an area that has not experienced wildfires in my entire life. Lemonade decided to not renew me and others in my area last year due to possible wildfire risk... As for claims, they did replace my entire roof after a hailstorm with no issues.”

via Reddit community

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Frequently asked questions

Whether you’re filing an auto, homeowners or life insurance claim with Lemonade, you will need to do so via Lemonade’s mobile app. Although reporting a claim is typically a straightforward process, you will need to gather some information first. For instance, you will need the basic driver and vehicle information for all involved when filing a car insurance claim. Additionally, the insurance company will likely ask you for your version of the event and to provide any supporting documentation, such as a police report.

Lemonade boasts a unique claims experience. After you report your claim on the app, Lemonade’s AI will run the details of your claim through its fraud detection algorithms. If the AI approves your claim, you could receive your claims check instantly. If the AI cannot approve your claim, it will hand it over to dedicated claims representatives to review the file in more detail.
Social responsibility is an area where Lemonade truly shines. Once every year, Lemonade reconciles its financials after paying all outstanding claims and donates excess funds to charities. In fact, in the application process, you will also be able to choose a charity so you can align your policy with your own unique philanthropic views. In 2024 alone, Lemonade gave over $2 million to 43 nonprofits, including Teach for America, charity: water and Feeding America, for a total of more than $10 million since the program’s inception.

Lemonade is a Public Benefit Corporation and a Certified B-Corporation, which means it meets strict requirements for social and environmental responsibility. Lemonade also uses its app to calculate how much CO2 its customer’s cars emit annually and plants trees to offset the carbon footprint. Buying your insurance from Lemonade could help give you peace of mind that you’re doing business with a company that has ethical practices at its core.

What policyholders are saying about Lemonade

Lemonade has 50 reviews

Dive into community reviews below and see what others think about Lemonade.

4.4

50 ratings

88% of policyholders recommend this insurer

Score breakdown

5 stars

50%

4 stars

38%

3 stars

12%

2 stars

0%

1 star

0%

Score by category

Overall rating 4.4 / 5

Original cost 4.5 / 5

Coverage 4.2 / 5

Customer support 4.2 / 5

How we got these ratings

In collaboration with market research firm SliceMR, Bankrate surveyed over 3,000 insurance customers nationwide from 2024–2025, asking policyholders to rate their insurer's cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders' policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.

Policyholder Reviews

See what users like you are saying about Lemonade.

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Anonymous Policyholder

April 10, 2025

What made you choose this insurer over others for your auto and/or home insurance?

They were helpful and courteous

Insurance Type

Auto

Score by category

Original cost 4 / 5

Customer support 4 / 5

Coverage 4 / 5

Anonymous Policyholder

April 10, 2025

What made you choose this insurer over others for your auto and/or home insurance?

Price would definitey be the reason.

Insurance Type

Auto

Score by category

Original cost 3 / 5

Customer support 4 / 5

Coverage 2 / 5

Anonymous Policyholder

April 10, 2025

Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.

I love the price of my insurance and the amont of coverage I get with it.

Insurance Type

Auto

Score by category

Original cost 5 / 5

Customer support 5 / 5

Coverage 5 / 5

Anonymous Policyholder

April 10, 2025

What made you choose this insurer over others for your auto and/or home insurance?

I have been with this insurance company for several years and I have had a good experience with this company.

Insurance Type

Home

Score by category

Original cost 5 / 5

Customer support 5 / 5

Coverage 5 / 5

Anonymous Policyholder

April 10, 2025

Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.

I like their products. Very easy to use it online and ensure yourself and your home

Insurance Type

Home

Score by category

Original cost 5 / 5

Customer support 5 / 5

Coverage 5 / 5

Anonymous Policyholder

April 10, 2025

What made you choose this insurer over others for your auto and/or home insurance?

I chose Lemonade because they cost way less compared to other companies with the exact same insurance plan. In the past the customer service aspect wasn't as hands on. I was hesitant because it's a newer company but they proved to be a quality auto insurance company.

Insurance Type

Auto

Score by category

Original cost 5 / 5

Customer support 4 / 5

Coverage 4 / 5

Anonymous Policyholder

April 10, 2025

What made you choose this insurer over others for your auto and/or home insurance?

It's easy to set up and interface with the chatbot. i usually hate chatbots but this one is cool. The app aesthetics are great too.

Insurance Type

Auto

Score by category

Original cost 5 / 5

Customer support 5 / 5

Coverage 3 / 5

Anonymous Policyholder

April 10, 2025

What made you choose this insurer over others for your auto and/or home insurance?

It was one of the cheapest options for renter's insurance. I have never had renter's insurance before so I wanted to try it out. I've only had it for a little less than 2 months, but so far it's been fine. It gives me some peace of mind to know that I have insurance.

Insurance Type

Home

Score by category

Original cost 4 / 5

Customer support 4 / 5

Coverage 4 / 5

Anonymous Policyholder

April 10, 2025

What made you choose this insurer over others for your auto and/or home insurance?

Cheap price, easy to navigate platform

Insurance Type

Home

Score by category

Original cost 5 / 5

Customer support 3 / 5

Coverage 3 / 5

Anonymous Policyholder

April 10, 2025

Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.

My coverage is affordable and reliable

Insurance Type

Home

Score by category

Original cost 4 / 5

Customer support 4 / 5

Coverage 5 / 5

Methodology

Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

50% Cost & ratings

30% Coverage & savings

20% Support

Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:

40 year old

Married male and female homeowners

2017 build year

Primary home

Good credit score

Clean claim history

Dwelling coverage

$300,000

Other structures coverage

$30,000

Personal property coverage

$150,000

Loss of use coverage

$60,000

Liability coverage

$500,000

Medical payment coverage

$1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following homeowner characteristics:

Dwelling coverage:

Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000

Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”
Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.

Bankrate Score

Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

50% Cost & ratings

30% Coverage & savings

20% Support

Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Bankrate Score

Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s financial strength, product and rider offerings, availability, customer experience and corporate sustainability. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

40% Ratings

40% Coverage

20% Accessibility

Tier 1 (Ratings): To determine a life insurance company’s financial health and reliability, we assessed several industry-standard ratings, such as J.D. Power, AM Best, Comdex, the National Association of Insurance Commissioners (NAIC), and credit agencies like Moody’s, Fitch and S&P.
Tier 2 (Coverage options): We assessed companies’ coverage options, availability and policy features to help policyholders find a provider that best meets their needs. We examined each company’s life insurance product lines, including term, whole and universal life options.
Tier 3 (Accessibility & process): To assess the ease and transparency of applying for coverage, we reviewed the simplicity of obtaining a quote and insurers' underwriting processes — including eligibility requirements. We also considered insurers’ community engagement.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Written by

Natalie Todoroff

Bankrate Insurance Expert | Writer, Insurance

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