Lemonade Insurance Company submitted a filing in Ohio on March 17, 2025, seeking a base rate revision for its homeowners program (HO3/4/6). The proposed effective date is June 22, 2025, and the filing would impact 18,965 policyholders with $5.2 million in written premium. The change represents an overall rate increase of 10.1% (with an indicated change of 11.1%), adding about $529,702 in premium.

The filing follows a prior rate hike of 14% effective March 7, 2023. Lemonade plans to adopt prospective loss costs from an advisory organization, using both state-specific Fast Track data and internal data for trend analysis. Internal premium-per-exposure data is being leveraged to reflect distribution shifts more quickly.

The maximum individual policyholder change under this filing is 19.2%. The Ohio filing fee was $50.