Lemonade Insurance Company has filed for a revision to its homeowners program in Georgia, covering HO-3, HO-4, and HO-6 forms. The filing, submitted July 15, 2025, impacts 22,669 policies with $13.1 million in written premium and proposes an overall 9.9% rate increase.

Rate adjustments vary by form: +15.9% for HO-3, 0.0% for HO-4, and +9.8% for HO-6. The filing notes an overall indicated change of 48.2% based on a loss ratio method spanning 20 accident quarters through September 30, 2024, with profit and contingencies capped at 7%.

Lemonade previously raised Georgia homeowners rates 14.9% in September 2024. Supporting analysis draws from both internal data and Fast Track state-specific data, with methodologies including chain-ladder loss development and limited fluctuation credibility standards.

The company requested a regulatory status update on July 14, 2025, highlighting urgency around approval.