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Safety Discount for Home Insurance Savings
Lemonade offers a smart way to save on homeowners insurance by rewarding you for protecting your home. If you install safety devices like smoke detectors, water sensors, or smart locks, you could get a built-in discount on your policy. There’s no need for a special promo code; just declare your safety upgrades during sign-up or policy updates.
Top Benefits of Lemonade’s Safety Discount
Lemonade’s safety discounts are built into their homeowners and renters policies. These savings apply automatically when your home includes eligible devices. Here’s what makes the discount valuable:
- Automatic Savings: No promo code required; just list your devices during the quote or policy update process.
- Smart Home Integration: Devices like smart smoke alarms, water leak detectors, and security systems can lower your premium.
- Reduced Risk = Lower Cost: Homes with safety tech are less likely to file claims, which helps you and Lemonade save.
- Stackable Savings: Combine with multi-policy bundles (like pet or car insurance) for additional discounts of 5% to 10%.
Eligible Devices for the Discount
Lemonade applies safety discounts when your home is equipped with eligible devices. These include:
Fire Safety
- Smart smoke detectors
- Carbon monoxide alarms
- In-home sprinkler systems
Security Systems
- Smart locks
- Burglar alarms
- Security cameras
Water Damage Prevention
- Leak sensors
- Temperature monitors
Additional Risk Mitigation
- Deadbolt locks
- Living in a gated community
- Wind-resistant home features
These devices not only lower your insurance rate but can also prevent costly claims by detecting issues early.
Applying for Lemonade’s Safety Discount
Applying the discount is easy and doesn’t require a coupon:
Get a Quote or Manage Your Policy
Visit Lemonade’s app or website and begin a quote for homeowners or renters insurance.
List Your Safety Devices
During the application or update process, you’ll be asked if your home includes certain safety features.
Review Your Rate
Once your devices are verified, your discounted premium will be displayed instantly.
Keep Devices Installed
To maintain your discount, the declared devices should remain active and functioning.
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How This Discount Benefits You
Installing qualifying safety tech does more than lower your premium:
- Peace of Mind: Know that your home is monitored and protected.
- Long-Term Savings: Avoid major claims by preventing damage early.
- Boosted Eligibility: May improve your chances of qualifying for full coverage or better terms.
Other Ways to Save with Lemonade
In addition to the safety discount, Lemonade lets you save more by:
Bundling Policies
Combine home insurance with pet, car, or life insurance for additional savings (often up to 10%).
Annual Payment Plans
Some policies offer small discounts for paying annually instead of monthly.
Multi-Pet Discounts
If you insure multiple pets, you can save on each one while bundling with your home policy.
Final Take on Home Insurance Safety Discounts
Lemonade rewards you for taking proactive steps to make your home safer. With no need for promo codes, the safety discount is one of the easiest ways to lower your premium. Whether you’re just signing up or updating your current policy, make sure to report any smart safety devices to unlock built-in savings. Combine this with other discounts like bundling or annual billing for the best value on your homeowners insurance.
Frequently Asked Questions
Do I need a promo code to get the safety discount?
No. Lemonade’s safety discounts are automatically applied when you list qualifying devices in your application or account settings. There’s no need to enter any special code.
Can I apply the safety discount to existing policies?
Yes. If you’re already a Lemonade customer, just log in and update your policy to reflect the safety features installed in your home. Your discount will be reflected in your updated rate.
Which devices qualify for the discount?
Common devices include smart smoke alarms, carbon monoxide detectors, security systems, water leak sensors, and smart locks. These must be functional and installed in your home or rental unit.
Can renters get the safety discount too?
Yes. Renters insurance from Lemonade also offers safety discounts when you live in a unit equipped with protective devices. Be sure to include them in your application.
Where do I enter this info?
During the application or in the “Get Discounts Now” section of your account settings in the Lemonade app or website. The system will guide you through entering your safety upgrades.
Reviewed and edited by Albert Fang.
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Article Title: Lemonade Smart Safety Discount: Save on Home Insurance
https://fangwallet.com/2025/07/09/lemonade-smart-safety-discount-save-on-home-insurance/The FangWallet Promise
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The content of this website is for informational purposes only and does not represent investment advice, or an offer or solicitation to buy or sell any security, investment, or product. Investors are encouraged to do their own due diligence, and, if necessary, consult professional advising before making any investment decisions. Investing involves a high degree of risk, and financial losses may occur including the potential loss of principal.
Source Citation References:
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Lemonade Insurance. (2025, June). FAQ: Renters and Homeowners Insurance. Retrieved from https://www.lemonade.com/faq Lemonade. (n.d.). FAQs: Renters and homeowners insurance. Lemonade Insurance. Retrieved July 8, 2025, from https://www.lemonade.com/faq/
