This article is for employees who want to access Lemonade renters or pet insurance.
Gusto partners with Lemonade to offer Lemonade’s digital renters and pet insurance services to Gusto members.1 Lemonade takes a flat fee from your premium. The rest goes toward paying claims, and any money left over is donated to charities you pick. This means Lemonade does not profit by denying claims.
Lemonade Pet Insurance is a health insurance policy that covers vet costs for your dog or cat. This includes accidents, illnesses, and preventative care.
Accidents: This insurance could cover vet bills if your pet is involved in an accident.
Illness: This insurance could cover common illnesses, like vomiting, diarrhea, cancer, and diabetes.
Hereditary and congenital conditions: This insurance could cover hereditary conditions, like cherry eye or epilepsy. It can also cover congenital conditions like hernias and hypothyroidism.
Note: The insurance will not cover treatment if your pet shows symptoms before you sign up or before the waiting periods have ended.
Routine care: If you buy a preventive care package, your pet could be covered for annual wellness exams, blood work, and vaccines.
Waiting periods: The insurance will not cover treatments for accidents or illnesses that happen before the waiting periods have ended. A waiting period is the time from your policy start date until your pet becomes eligible for reimbursement for specific conditions.
A Lemonade Pet Insurance plan starts at $10/month for both cats and dogs. Several factors can affect your monthly premium. These include your pet’s age and the type of coverage.
Discount for members in eligible states
Gusto members in eligible states can get an exclusive 10% discount on Lemonade Pet Insurance. To claim the offer: Sign in to your Gusto account, go to the Benefits section, and select the Pet Insurance card in the Benefits Store.
Eligible states include: Arizona, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Montana, Nebraska, Nevada, New Hampshire, New Mexico, North Carolina, Oklahoma, Oregon, Pennsylvania, Texas, Utah, Virginia, and Wisconsin.
Lemonade Pet Insurance is available in: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District Of Columbia, Florida, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin.
Lemonade Renters Insurance is a policy that helps protect your personal property from theft and damage. It also covers legal claims if you accidentally damage property or injure someone. If certain types of damage make your home unlivable, Lemonade helps cover the cost of temporary housing. Learn more about covered perils.
Personal property: Renters insurance can help if a covered event ruins or destroys your belongings (e.g., stolen property or belongings ruined by windstorms or fire).
Personal liability: This coverage can help if someone holds you liable for damage or injury to another person (e.g., someone gets injured on your property, your landlord sues you, or your pet damages someone else’s property).
Temporary living expenses: If covered perils make your place unlivable, renters insurance can help cover your hotel or rental costs.
Earthquakes and flooding
Power outages
Theft of your car or car parts
Your roommates’ stuff
Mold and damage to your property from pests and pets
Learn more about what’s not covered under Lemonade’s policy.
A Lemonade Renters Insurance policy starts at $5/month. Several factors can affect your monthly premium. This includes your location and the type of coverage you have. Eligibility and pricing for each policy vary.
Discount for members in eligible states
Gusto members in eligible states can get an exclusive 10% discount on Lemonade Renters Insurance. To claim the offer: Sign in to your Gusto account, go to the Benefits page, and select the Renters Insurance card in the Benefits Store.
Eligible states include: Arizona, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Montana, Nebraska, Nevada, New Hampshire, New Mexico, North Carolina, Oklahoma, Oregon, Pennsylvania, Texas, Utah, Virginia, and Wisconsin.
Where Lemonade Renters Insurance is offered
Lemonade Renters Insurance is available in: Arizona, Arkansas, California, Colorado, Connecticut, District Of Columbia, Florida, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Missouri, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin.
As a Gusto member, it’s easy to get started with Lemonade. Click the link below or head to the Benefits Store in your Gusto account to get a quote and enroll in Lemonade pet or renters insurance.
Lemonade offers several discounts on your pet or renters’ Insurance policy. You can get:
Multi-policy discount
Multi-pet discount
Annual payment discount
Contact Lemonade if you have any questions about your quote or policy. Email [email protected] or call 844-733-8666.
1. Disclaimer: Gusto is a facilitator in the partnership with Lemonade Insurance Company. While Gusto is a licensed entity, it does not serve as an insurance broker or carrier in this arrangement. Please note that Gusto may receive a commission for policies purchased through Lemonade Insurance Company. This applies to situations where Gusto provides leads resulting in policy purchases. Additionally, Gusto may receive a fee for referrals even when these are not tied to the sale of insurance.