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. Site terms may apply to any integration approach, and how they apply is a determination each team makes for itself.
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.