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Lemonade LMND Property Insurance — Total incurred losses and ALAE, net
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Where this comes from
Reported directly by Lemonade in its filing.
Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsIncurredClaimsAndAllocatedClaimAdjustmentExpenseNet.
The source filing: Lemonade’s 10-K, filed February 25, 2026.
- Filed
- Feb 25, 2026, 4:21 PM EST
- Fiscal year
- FY2025
- Accession
- 0001691421-26-000016
| Accident Year | December 31, 2016 | December 31, 2017 | December 31, 2018 | December 31, 2019 | December 31, 2020 | December 31, 2021 | December 31, 2022 | December 31, 2023 | December 31, 2024 | December 31, 2025 | December 31, 2025 / IBNR (2) | December 31, 2025 / Cumulative Number of Reported Claims |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2019 | — | — | — | 46.0 | 46.1 | 46.3 | 46.3 | 46.1 | 46.2 | 46.2 | — | 19,512 |
| 2020 | — | — | — | — | 53.0 | 51.5 | 51.5 | 52.4 | 52.4 | 52.6 | — | 30,372 |
| 2021 | — | — | — | — | — | 59.4 | 55.9 | 58.4 | 58.6 | 58.6 | 0.2 | 53,560 |
| 2022 | — | — | — | — | — | — | 96.5 | 92.6 | 93.8 | 94.0 | 1.4 | 56,105 |
| 2023 | — | — | — | — | — | — | — | 143.2 | 136.5 | 133.6 | 3.0 | 60,868 |
| 2024 | — | — | — | — | — | — | — | — | 154.7 | 138.9 | 9.0 | 68,389 |
| 2025 | — | — | — | — | — | — | — | — | — | 179.3 | 51.0 | 68,526 |
| Total incurred losses and ALAE, net | $718.3 | $64.6 | 369,633 |
Item 8. Financial Statements and Supplementary Data
FAQ
- What is Lemonade's property insurance — total incurred losses and ALAE, net?
- Lemonade (LMND) reported property insurance — total incurred losses and ALAE, net of $718.3M in Q4 2025.
- How has Lemonade's property insurance — total incurred losses and ALAE, net changed year-over-year?
- Lemonade's property insurance — total incurred losses and ALAE, net increased by 364.3% year-over-year, from $154.7M to $718.3M.
- What does property insurance — total incurred losses and ALAE, net mean?
- This metric represents the total financial obligation for claims and associated loss adjustment expenses incurred within the property insurance segment, net of reinsurance recoveries. It serves as a primary indicator of underwriting performance and the immediate cost of claims activity for the period. Monitoring this helps investors assess the profitability of the property insurance portfolio before accounting for operating expenses.
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