Lemonade API
Lemonade publishes a REST API for quote, bind, and payment with a doc portal, sandbox, and webhooks, plus a one-line embed widget. Access is request-gated behind technical due diligence and business review. Documented coverage is renters, homeowners, and condo in a subset of states.
Frequently asked questions
Lemonade scores C on the API Report Card. Lemonade publishes a REST API for quote, bind, and payment with a doc portal, sandbox, and webhooks, plus a one-line embed widget. Access is request-gated behind technical due diligence and business review. Documented coverage is renters, homeowners, and condo in a subset of states.
Lemonade has an official API, but teams routinely hit its limits: gated access, partial coverage, or paid tiers. Most end up supplementing it with exports or an unofficial API layer like Supergood.
Lemonade, Inc. (NYSE: LMND) is a New York City-headquartered, AI-first licensed insurance carrier and agency founded in April 2015 by Daniel Schreiber (CEO) and Shai Wininger and launched publicly in September 2016 with renters insurance in New York.
Vertical: Insurance (Financial Services). Sub-vertical: AI-first direct-to-consumer P&C/pet/life multi-line insurance carrier with a public embedded-insurance API for third-party partners. Consumer flow (renters/home/pet/car/life): user opens lemonade.com or the Lemonade mobile app, chats with AI Maya (~90-second flow asking 13 questions while collecting an estimated 1,600+ data points per public reporting), receives a bound policy with payment in minutes, policy documents and ID cards delivered in-app.
High among insurtech challengers, mid-tier overall in US personal lines.
Quote records: quote ID, applicant identity (name, DOB, address), product (renters/home/condo/pet/car/life), coverage selections, deductible, premium breakdown, quote expiration, state, carrier-of-record (Lemonade Insurance Company / Metromile Insurance Company / Lemonade Insurance N.V. / Bestow-paper for life).
~11 years old, founded April 2015 in New York City by Daniel Schreiber and Shai Wininger; began selling renters insurance September 2016; IPO July 2020 on NYSE (ticker LMND).
Lemonade lost its highest-profile embedded-insurance partner (Rhino, rental-property renters insurance) to Cover Genius, Rhino cited better embedded economics, white-label flexibility, and an API-native partner experience that drove a 7x increase in add-on sales and 259% increase in conversion vs. the prior Lemonade link-out / branded model. Rhino case study explicitly contrasts the friction of the Lemonade 'link-out' embedded model vs. fully-native API embeds, implying Lemonade's API ergonomics for white-label partners are weaker than embedded-insurance specialists (Cover Genius, Boost, Sure). Full sourced list under Sources below.
Common alternatives include Hippo Insurance, Root Insurance, Kin Insurance, Branch Insurance, Metromile (pre-acquisition), State Farm. Graded alternatives appear under "More from the report card" below.
Grades measure one thing: can a customer's engineering team get their own data out programmatically? We check six things (whether a real API exists, how access is gated, data coverage, auth quality, docs and developer experience, and stability) and roll them into a letter grade. Grades get re-verified, and they only move on evidence.