Public insurance rate-change record
California approved a +22.9% inland marine rate change for Lemonade Insurance Company
Lemonade Insurance Company asked to change rates by +0.2%. California approved +22.9%.
This is not your personal renewal price
The percentage is an average for policies covered by this request. Your bill may change by a different amount—or not at all—depending on your coverage, location, discounts, claims, and renewal date.
In plain English: The approval shown here (+22.9%) is higher than the original request shown (+0.2%). These numbers came from separate state files; check the official source records below for context.
What this means
California has allowed an average +22.9% change for the policies covered by this filing. Customers can still see different changes because insurers price each policy individually.
Some details are still being checked against the state’s records. We leave uncertain values blank instead of estimating them.
What happened, in order
July 12, 2023
A requested change of +22.9% was published.
Recorded from Approval and Closed List YTD 12/31/23
July 12, 2023
The department recorded an approved change of +22.9%.
Recorded from Approval and Closed List YTD 12/31/23
July 12, 2023
The department corrected requested_rate_change from +22.9% to +0.2%.
Recorded from February 3, 2023, Rate Filings
See filing dates and official identifiers
- California record number
- 22-47
- Industry filing ID (SERFF)
- LEMO-133085983
- Status
- Approved
- Insurance category in the state record
- INLAND MARINE
- Policy group or program
- Both Rate and Forms with Variance
- Type of request
- Pet Accident and Illness Insurance
- First published
- February 3, 2023
- Decision or closing date
- July 12, 2023
This company is part of the Lemonade group. Companies in the same group can file separate requests and receive different decisions.
Check the official source records
Every displayed value is tied to a file published by California Department of Insurance. This section is for readers who want to verify the original record.
Where these numbers came from
| Value | As published | How it was read | Retrieved |
|---|---|---|---|
| Approved change | 22.9 | read directly from a spreadsheet cell | August 9, 2026 |
| Closed date | 2023-07-12 | read directly from a spreadsheet cell | August 9, 2026 |
| Company name | LEMONADE INSURANCE COMPANY | read directly from a spreadsheet cell | August 9, 2026 |
| Filing type | Pet Accident and Illness Insurance | corrected by the department's own errata sheet | August 9, 2026 |
| NAIC group | 5032 | read directly from a spreadsheet cell | August 9, 2026 |
| Line description | INLAND MARINE | read directly from a spreadsheet cell | August 9, 2026 |
| Line type | PERSONAL | read directly from a spreadsheet cell | August 9, 2026 |
| NAIC company code | 16023 | read directly from a spreadsheet cell | August 9, 2026 |
| Public notice date | 2023-02-03 | taken from the date the notice was published | August 9, 2026 |
| Program | Both Rate and Forms with Variance | corrected by the department's own errata sheet | August 9, 2026 |
| Requested change | 0.229 | corrected by the department's own errata sheet (confidence 0.90) | August 9, 2026 |
| Status | APPROVED | read directly from a spreadsheet cell | August 9, 2026 |
Source files
- February 3, 2023, Rate Filings
Retrieved August 9, 2026 · sha256 973635a804c931a9
- January 14, 2022, Rate Filings
Retrieved August 9, 2026 · sha256 0117510e3f57687d
- Approval and Closed List YTD 12/31/23
Retrieved August 9, 2026 · sha256 29f6c8a1e062d127