Lemonade submitted a filing in Hawaii to introduce its Renters Remix insurance product, marking the company’s first renters insurance offering in the state. The filing was submitted on March 3, 2026 and includes new forms, rating rules, and underwriting guidelines for tenant homeowners coverage.

The program relies on Lemonade’s proprietary coverage forms and pricing models, including a countrywide generalized linear model and a census tract geographic territory model to determine rates. The company said the product is designed to provide a simplified renters policy while meeting Hawaii’s regulatory requirements.

The policy includes standard renters protections such as personal property coverage, loss of use, personal liability, and medical payments to others, with optional endorsements including earthquake coverage, tenant water damage, pet damage, bed bug coverage, equipment breakdown protection, and scheduled personal property coverage.

Coverage applies to named perils such as fire, theft, windstorm or hail, lightning, freezing, falling objects, vandalism, and accidental water discharge. Exclusions include risks such as earth movement, war, neglect, power failure, and certain microbial damage.

The filing also introduces acquisition channel discount factors, with policies issued through direct and agency channels receiving a 0.950 factor while specialty channel policies receive a factor of 1.000, reflecting differences in acquisition and servicing costs based on distribution channel.

The proposed effective date for new business is April 3, 2026.