Lemonade LMND Property Insurance — Total unpaid loss and ALAE reserves, net

Other product segments

Similar metrics at other companies

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

$573.1M+7.4%

CINFCommercial Property Segment — Total liabilities for loss and ALAE, net of reinsurance

43,000,000,000%-3,900,000,000pp

HIGProperty Insurance — Unpaid losses and loss adjustment expenses

$1.31B-0.5%

HIGProperty Insurance — Liability for Unpaid Claims and Claims Adjustment Expense, Net

$991M-2.4%

SPNTProperty Catastrophe — IBNR loss and ALAE reserves, net

9,590,000,000%-3,280,000,000pp

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 — total unpaid loss and ALAE reserves, net?

Lemonade (LMND) reported property insurance — total unpaid loss and ALAE reserves, net of $105.4M in Q4 2025.

How has Lemonade's property insurance — total unpaid loss and ALAE reserves, net changed year-over-year?

Lemonade's property insurance — total unpaid loss and ALAE reserves, net increased by 25.8% year-over-year, from $83.8M to $105.4M.

What does property insurance — total unpaid loss and ALAE reserves, net mean?

This represents the total balance sheet liability for claims that have been reported but not yet settled, plus associated adjustment expenses, net of reinsurance. It reflects the company's total outstanding financial commitment to policyholders for the property segment. Adequate reserves are vital for maintaining regulatory compliance and financial stability.