Lemonade Insurance Company · NAIC 16023
Where Lemonade Insurance Company is admitted, where it's eligible for surplus lines, the lines it's licensed for and how much of each it writes, from state regulators' public lists and market share reports.
Lemonade Insurance Company (NAIC 16023) is a property and casualty insurer domiciled in New York, part of Lemonade Inc Group. State regulators list it as licensed (admitted) in California, Colorado, Connecticut, Florida, Georgia, Hawaii, Iowa, Illinois, Kentucky, Massachusetts, Maryland, Missouri, Mississippi, North Carolina, North Dakota, Nebraska, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, Tennessee, Texas, Washington, Wisconsin. It ranked #5 of 20 in Washington pet in 2025 (8.9% share). It ranked #6 of 26 in North Carolina pet in 2025 (7.3% share). It ranked #7 of 20 in California pet in 2025 (8.1% share).
By Sam Alishahi, independent insurance broker · All companies
Where it's licensed
States whose regulator lists are loaded: Alaska, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Kentucky, Massachusetts, Maryland, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, West Virginia, Wyoming. Not on the lists we have for Alaska, Delaware, Idaho, Minnesota, Montana, South Dakota, Utah, West Virginia, Wyoming, which doesn't by itself mean it isn't licensed there.
| State | Status | Lines licensed | Since | Source |
|---|---|---|---|---|
| California | Admitted (licensed) | Homeowners, Pet | — | California Department of Insurance, 2026-10-17 |
| Colorado | Admitted (licensed) | Homeowners | — | Colorado, 2026-10-18 |
| Connecticut | Admitted (licensed) | — | — | Connecticut, 2026-10-18 |
| Florida | Admitted (licensed) | Personal auto, Homeowners, Inland marine, General liability | — | Florida Office of Insurance Regulation, 2026-10-18 |
| Georgia | Admitted (licensed) | General liability, Commercial property (fire and allied lines), Workers' compensation | — | Georgia, 2026-10-18 |
| Hawaii | Admitted (licensed) | — | — | Hawaii, 2026-10-18 |
| Illinois | Admitted (licensed) | Personal auto, Homeowners, General liability, Pet | — | Illinois, 2026-10-18 |
| Iowa | Admitted (licensed) | — | — | Iowa, 2026-10-18 |
| Kentucky | Admitted (licensed) | — | — | Kentucky Department of Insurance, 2026-10-17 |
| Maryland | Admitted (licensed) | — | — | Maryland Insurance Administration, 2026-10-17 |
| Massachusetts | Admitted (licensed) | Personal auto, General liability | — | Massachusetts, 2026-10-18 |
| Mississippi | Admitted (licensed) | Equipment breakdown, Farm and crop, Homeowners, Inland marine, General liability, Commercial property (fire and allied lines) | 02-13-2020 | Mississippi Insurance Department, 2026-10-17 |
| Missouri | Admitted (licensed) | Homeowners | — | Missouri, 2026-10-18 |
| Nebraska | Admitted (licensed) | — | — | Nebraska, 2026-10-18 |
| Nevada | Admitted (licensed) | General liability, Ocean marine, Commercial property (fire and allied lines) | — | Nevada Division of Insurance, 2026-10-17 |
| New Jersey | Admitted (licensed) | — | — | New Jersey, 2026-10-18 |
| New York | Admitted (licensed) | — | — | Excess Line Association of New York (DFS-licensed and eligible excess line insurers), 2026-10-17 |
| North Carolina | Admitted (licensed) | Homeowners, Pet | — | North Carolina, 2026-10-18 |
| North Dakota | Admitted (licensed) | — | — | North Dakota, 2026-10-18 |
| Ohio | Admitted (licensed) | — | — | Ohio Department of Insurance, 2026-10-17 |
| Oklahoma | Admitted (licensed) | Homeowners, Inland marine | — | Oklahoma, 2026-10-18 |
| Oregon | Admitted (licensed) | Homeowners | — | Oregon, 2026-10-18 |
| Rhode Island | Admitted (licensed) | — | — | Rhode Island, 2026-10-18 |
| South Carolina | Admitted (licensed) | — | — | South Carolina, 2026-10-18 |
| Tennessee | Admitted (licensed) | — | — | Tennessee, 2026-10-18 |
| Texas | Admitted (licensed) | Personal auto, Equipment breakdown, Crime (burglary and theft), Glass, Homeowners, Inland marine, General liability, Pet, Commercial property (fire and allied lines) | 2017/03/31 | Texas Department of Insurance, 2026-10-17 |
| Washington | Admitted (licensed) | Pet | — | Washington Office of the Insurance Commissioner and the Surplus Line Association of Washington, 2026-10-17 |
| Wisconsin | Admitted (licensed) | Homeowners | — | Wisconsin, 2026-10-18 |
Method and source
Each row comes from the named regulator's public company list on the date shown, joined by NAIC number. "Admitted" means licensed by the state and backed by its guaranty fund; "surplus lines" means eligible to take risks the admitted market declines, without rate or form approval or guaranty fund protection. Premium and rank come from state market share reports that list every company. This is a public-records directory, not a rating or recommendation; for the company's own filings use the NAIC's Consumer Information Source.
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