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Lemonade LMND Property Insurance — Total unpaid loss and ALAE reserves, net
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Where this comes from
Reported directly by Lemonade in its filing.
Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsLiabilityForUnpaidClaimsAndAllocatedClaimAdjustmentExpenseNet.
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 |
|---|---|---|---|---|---|---|---|---|---|---|
| 2022 | — | — | — | — | — | — | 52.7 | 85.5 | 90.7 | 92.7 |
| 2023 | — | — | — | — | — | — | — | 88.9 | 122.3 | 128.3 |
| 2024 | — | — | — | — | — | — | — | — | 89.1 | 123.6 |
| 2025 | — | — | — | — | — | — | — | — | — | 96.2 |
| Total paid losses and ALAE, net | $612.9 | |||||||||
| Total unpaid loss and ALAE reserves, net | $105.4 | |||||||||
| Ceded unpaid loss and ALAE | 88.1 | |||||||||
| Gross unpaid loss and ALAE | $193.5 |
Item 8. Financial Statements and Supplementary Data
FAQ
- 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.
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