Lemonade

Lemonade, Inc. is an American insurance company. The company offers renters, homeowners, car, pet, and term life insurance in the United States, as well as contents and liability policies in Germany and the Netherlands and renters insurance in France. The Lemonade Insurance API allows partners to embed insurance quoting, policy creation, and payment flows for homeowners, condo, and renters policies into their own websites and apps.

Lemonade publishes 1 API on the APIs.io network. Tagged areas include Insurance, Renters Insurance, Homeowners Insurance, and Embedded Insurance.

Lemonade’s developer surface includes documentation, engineering blog, FAQ, GitHub presence, and 9 more developer resources.

🌐 Visit website 📡 Source on GitHub

29.9/100 thin ▬ flat Agent 16/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessFreemium

1 APIs

Insurance Renters Insurance Homeowners Insurance Embedded Insurance

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 29.9/100 · thin

Contract Quality 8.8 / 21

Developer Ergonomics 3.6 / 17

Access Clarity 6.3 / 17

Operational Transparency 1.5 / 11

Contract Governance 0.0 / 10

Discoverability 4.9 / 9

Regulatory Posture 4.5 / 15

Agent readiness — 16/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/lemonade: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Lemonade Insurance API

A quick and easy way for partners to offer Lemonade homeowners, condo, and renters insurance to their users. Supports quoting, policy creation, and payment, either through the M...

GraphQL 1

GraphQL schemas published by this provider.

Lemonade GraphQL Schema

Lemonade is an AI-native digital insurance company offering renters, homeowners, car, pet, term life, and business insurance. Its platform is built around behavioral economics a...

GRAPHQL

Pricing Plans 1

Published pricing tiers and plan structures.

Lemonade Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Lemonade Rate Limits

5 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Lemonade Finops

FINOPS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Lemonade Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Lemonade Vulnerability Disclosure

security.txt · contact published

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LlmsText

LlmsText

Build 1

SDKs, sample code, and the tooling you integrate with

GitHub

GitHub

Access & Security 2

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

FAQ

FAQ

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 4

The organization behind the API

LinkedIn

Website

Website

Blog

Blog

Partners

Partners

Source (apis.yml)

aid: lemonade
name: Lemonade
description: Lemonade, Inc. is an American insurance company. The company offers renters, homeowners, car, pet, and term life
  insurance in the United States, as well as contents and liability policies in Germany and the Netherlands and renters insurance
  in France. The Lemonade Insurance API allows partners to embed insurance quoting, policy creation, and payment flows for
  homeowners, condo, and renters policies into their own websites and apps.
kind: contract
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Freemium
  confidence: medium
  source:
  - plans
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/lemonade.png
access: 3rd-Party
tags:
- Insurance
- Renters Insurance
- Homeowners Insurance
- Embedded Insurance
url: https://raw.githubusercontent.com/api-evangelist/lemonade/refs/heads/main/apis.yml
created: '2024-07-02'
modified: '2026-04-28'
specificationVersion: '0.23'
apis:
- aid: lemonade:lemonade-insurance-api
  name: Lemonade Insurance API
  description: A quick and easy way for partners to offer Lemonade homeowners, condo, and renters insurance to their users.
    Supports quoting, policy creation, and payment, either through the Maya bot drop-in or via direct flow control. Public
    OpenAPI is not currently published; documentation is available behind the Lemonade developer portal.
  humanURL: https://www.lemonade.com/api
  tags:
  - Insurance
  - Quotes
  - Policies
  - Payments
  properties:
  - url: https://www.lemonade.com/api
    type: Documentation
  - url: https://api-doc-portal.lemonade.com/
    type: Documentation
  - url: https://www.lemonade.com/blog/introducing-lemonade-insurance-api/
    type: Announcement
  - url: graphql/lemonade-graphql.md
    type: GraphQL
common:
- type: VulnerabilityDisclosure
  url: security/lemonade-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/lemonade-domain-security.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/lemonade-inc-
- url: https://www.lemonade.com/
  type: Website
- url: https://www.lemonade.com/api
  type: Documentation
- url: https://api-doc-portal.lemonade.com/
  type: DeveloperPortal
- url: https://www.lemonade.com/blog/
  type: Blog
- url: https://www.lemonade.com/faq
  type: FAQ
- url: https://www.lemonade.com/partners-program
  type: Partners
- url: https://www.lemonade.com/api-terms
  type: TermsOfService
- url: https://www.lemonade.com/privacy-policy
  type: PrivacyPolicy
- url: https://github.com/lemonade-hq
  type: GitHub
- type: LlmsText
  url: https://www.lemonade.com/llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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