How do I file a claim for Renters Insurance?

The process for filing a claim depends on which provider services your policy. 

Not sure which one you have? Please refer to: "Canceling Your Renters Insurance Policy" article for more information.

Before You File

Regardless of your provider, having supporting documentation ready will help your claim get processed faster. This includes photos, videos, and police reports where applicable.

If your policy is serviced by Cover Genius

File a claim directly through the Cover Genius portal at xcover.com. For coverage or claims questions contact Cover Genius at support@xcover.com. 

Generally, it takes around 1–2 business days for the team to begin reviewing your claim. You will be updated every step of the way and contacted directly with any updates or requests for additional information. Once settled, you can expect reimbursement shortly afterward.

If your policy is serviced by Lemonade

Contact Lemonade directly to file a claim:

• App: Tap the "Claim" button in the Lemonade app
• Email: help@lemonade.com 
• Phone: 844-733-8666

What to Expect After Filing Your Claim

Once your claim is submitted, you will receive a confirmation email. The respective insurance provider will follow up with you directly regarding next steps.