Lemonade has submitted a rate and rule filing in Texas proposing updates to its homeowners and condominium insurance program, with a requested effective date of May 10, 2026, for both new and renewal business.

The filing reflects an overall rate increase of 3%, affecting 6,124 policyholders and generating an estimated $652,208 in additional written premium. The program currently represents approximately $22.8 million in written premium in the state, with individual policy changes expected to range from a 0.8% to 4.0% increase.

This revision follows a 20.3% rate change implemented in October 2024 and updates rating factors, territorial loss costs, and the Texas Homeowners Manual (Edition 02 2026). The changes are intended to align pricing with updated loss experience and risk assumptions across Lemonade’s Texas portfolio.

The filing was submitted on February 12, 2026, and is under review by state regulators.