You can cancel any Lemonade insurance policy directly through the mobile app or the Lemonade website, with no fees or penalties for ending early. The process takes just a few taps, and you’ll receive a prorated refund for any coverage you’ve already paid for but won’t use.
Cancel Through the Lemonade App
From the home screen of the Lemonade mobile app, select the policy you want to cancel. Tap the three dots in the top right corner of the screen, and you’ll see the option to cancel the policy. Follow the prompts to confirm, and you’re done.
Cancel Through the Website
If you prefer a desktop, go to Lemonade.com and click the “My Account” button in the top right corner. Log in, select the policy you want to cancel, then scroll toward the bottom of the page and click the pink “cancel” link. The site will walk you through confirming the cancellation from there.
Refunds After Cancellation
Lemonade issues a refund for the remaining period you’ve already paid for, regardless of which type of policy you hold. This applies to renters, homeowners, car, and pet insurance. If you paid for a full year and cancel six months in, you’ll get roughly half your premium back.
Life insurance works slightly differently. There’s no charge for canceling voluntarily, and Lemonade offers a 30-day free look period. If you cancel your life policy within the first 30 days, you’ll receive a full refund of your first month’s premium rather than a prorated amount.
Lemonade does not charge any cancellation or administrative fees on any policy type. The full year is written upfront, but you’re free to leave at any point without penalty.
Avoiding a Coverage Gap
If you’re switching to a new insurer rather than dropping coverage entirely, make sure your new policy’s start date lines up with your Lemonade cancellation date. Even a single day without active coverage can create problems. For car insurance, a lapse can trigger higher rates with your next insurer and may violate your state’s continuous coverage requirements. For homeowners insurance, your mortgage lender will typically require proof of uninterrupted coverage and could force-place an expensive policy if there’s a gap.
The safest approach is to get your new policy in place first, confirm the effective date, and then cancel Lemonade for that same date. Since Lemonade refunds unused premium, overlapping by a day or two costs very little and protects you from a lapse.
Notifying Your Landlord or Mortgage Lender
If your renters or homeowners policy lists a landlord, property manager, or mortgage lender as an interested party, they may receive automatic notice when the policy is canceled. Don’t rely solely on that notification, though. Contact your landlord or lender directly to let them know you’ve switched carriers and provide your new policy’s declaration page. Mortgage lenders in particular will follow up aggressively if they don’t see active coverage on file, and some landlords require proof of renters insurance as a lease condition.
If you’re canceling car insurance, your state’s DMV may also be notified of the lapse. Having your replacement policy already active prevents any flags on your driving record or registration.