Lemonade LMND Property Insurance — Ceded unpaid loss and LAE

Other product segments

Similar metrics at other companies

AFGProperty and casualty insurance — Reserves for claims and unpaid losses and LAE

$15.09B+6.5%

AFGProperty and casualty insurance — Unpaid losses and LAE, net of reinsurance (excluding unallocated LAE)

$8.48B+6.5%

AFGProperty and casualty insurance — Unpaid losses and LAE — 11th year and prior (excluding unallocated LAE)

$434M+11.9%

WTMProperty and Accident & Health — Unpaid loss and LAE reserves, net of reinsurance recoverables on unpaid losses

$573.1M+7.4%

FRHCProperty Damage — Cumulative paid losses and LAE, net of reinsurance

$3.58M+563%

HIGProperty Insurance — Unpaid Unallocated Loss Adjustment Expenses, Net of Reinsurance

8,000,000,000%+700,000,000pp

Questions, answered.

What is Lemonade's property insurance — ceded unpaid loss and LAE?

Lemonade (LMND) reported property insurance — ceded unpaid loss and LAE of $88.1M in Q4 2025.

How has Lemonade's property insurance — ceded unpaid loss and LAE changed year-over-year?

Lemonade's property insurance — ceded unpaid loss and LAE decreased by 19.4% year-over-year, from $109.3M to $88.1M.

What does property insurance — ceded unpaid loss and LAE mean?

This metric quantifies the portion of unpaid loss and loss adjustment expense reserves that the company expects to recover from its reinsurers. It represents the value of the risk transferred to third-party partners for claims that are currently outstanding. High levels of ceded reserves indicate a significant reliance on reinsurance to manage underwriting risk.