Public insurance rate-change record
California approved a +18.5% homeowners rate change for Lemonade Insurance Company
Lemonade Insurance Company asked to change rates by +18.7%. California approved +18.5%.
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 state approved +18.5% instead of the +18.7% Lemonade Insurance Company requested—a difference of 0.2 percentage points.
What this means
California has allowed an average +18.5% change for the policies covered by this filing. Customers can still see different changes because insurers price each policy individually.
What happened, in order
July 12, 2023
A requested change of +18.7% was published.
Recorded from Approval and Closed List YTD 12/31/23
July 12, 2023
The department recorded an approved change of +18.5%.
Recorded from Approval and Closed List YTD 12/31/23
See filing dates and official identifiers
- California record number
- 22-767
- Industry filing ID (SERFF)
- LEMO-133168794
- Status
- Approved
- Insurance category in the state record
- HOMEOWNERS MULTI-PERIL
- Policy group or program
- "VAR 5 - HO-3, HO-4, HO-6 "
- Type of request
- RATE AND VARIANCE
- First published
- April 8, 2022
- 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 | 18.5 | 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 | RATE AND VARIANCE | read directly from a spreadsheet cell | August 9, 2026 |
| NAIC group | 5032 | read directly from a spreadsheet cell | August 9, 2026 |
| Line description | HOMEOWNERS MULTI-PERIL | 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 | 2022-04-08 | taken from the date the notice was published | August 9, 2026 |
| Program | "VAR 5 - HO-3, HO-4, HO-6 " | read directly from a spreadsheet cell | August 9, 2026 |
| Requested change | 18.7 | read directly from a spreadsheet cell | August 9, 2026 |
| Status | APPROVED | read directly from a spreadsheet cell | August 9, 2026 |
Source files
- April 08, 2022, Rate Filings
Retrieved August 9, 2026 · sha256 bb19591ef4803074
- Approval and Closed List YTD 12/31/23
Retrieved August 9, 2026 · sha256 29f6c8a1e062d127