Repository: lemonade-hq/policy-2.0 Branch: master Commit: dda32bbb784b Files: 4 Total size: 39.8 KB Directory structure: gitextract_8jd5i699/ ├── LICENSE.md ├── README.md ├── docs/ │ └── CODEOWNERS └── renters.md ================================================ FILE CONTENTS ================================================ ================================================ FILE: LICENSE.md ================================================ GNU Free Documentation License ============================== _Version 1.3, 3 November 2008_ _Copyright © 2000, 2001, 2002, 2007, 2008 Free Software Foundation, Inc. <>_ Everyone is permitted to copy and distribute verbatim copies of this license document, but changing it is not allowed. ### 0. Preamble The purpose of this License is to make a manual, textbook, or other functional and useful document “free” in the sense of freedom: to assure everyone the effective freedom to copy and redistribute it, with or without modifying it, either commercially or noncommercially. Secondarily, this License preserves for the author and publisher a way to get credit for their work, while not being considered responsible for modifications made by others. This License is a kind of “copyleft”, which means that derivative works of the document must themselves be free in the same sense. It complements the GNU General Public License, which is a copyleft license designed for free software. We have designed this License in order to use it for manuals for free software, because free software needs free documentation: a free program should come with manuals providing the same freedoms that the software does. But this License is not limited to software manuals; it can be used for any textual work, regardless of subject matter or whether it is published as a printed book. We recommend this License principally for works whose purpose is instruction or reference. ### 1. Applicability and Definitions This License applies to any manual or other work, in any medium, that contains a notice placed by the copyright holder saying it can be distributed under the terms of this License. Such a notice grants a world-wide, royalty-free license, unlimited in duration, to use that work under the conditions stated herein. The “Document”, below, refers to any such manual or work. Any member of the public is a licensee, and is addressed as “you”. You accept the license if you copy, modify or distribute the work in a way requiring permission under copyright law. A “Modified Version” of the Document means any work containing the Document or a portion of it, either copied verbatim, or with modifications and/or translated into another language. A “Secondary Section” is a named appendix or a front-matter section of the Document that deals exclusively with the relationship of the publishers or authors of the Document to the Document's overall subject (or to related matters) and contains nothing that could fall directly within that overall subject. (Thus, if the Document is in part a textbook of mathematics, a Secondary Section may not explain any mathematics.) The relationship could be a matter of historical connection with the subject or with related matters, or of legal, commercial, philosophical, ethical or political position regarding them. The “Invariant Sections” are certain Secondary Sections whose titles are designated, as being those of Invariant Sections, in the notice that says that the Document is released under this License. If a section does not fit the above definition of Secondary then it is not allowed to be designated as Invariant. The Document may contain zero Invariant Sections. If the Document does not identify any Invariant Sections then there are none. The “Cover Texts” are certain short passages of text that are listed, as Front-Cover Texts or Back-Cover Texts, in the notice that says that the Document is released under this License. A Front-Cover Text may be at most 5 words, and a Back-Cover Text may be at most 25 words. A “Transparent” copy of the Document means a machine-readable copy, represented in a format whose specification is available to the general public, that is suitable for revising the document straightforwardly with generic text editors or (for images composed of pixels) generic paint programs or (for drawings) some widely available drawing editor, and that is suitable for input to text formatters or for automatic translation to a variety of formats suitable for input to text formatters. A copy made in an otherwise Transparent file format whose markup, or absence of markup, has been arranged to thwart or discourage subsequent modification by readers is not Transparent. An image format is not Transparent if used for any substantial amount of text. A copy that is not “Transparent” is called “Opaque”. Examples of suitable formats for Transparent copies include plain ASCII without markup, Texinfo input format, LaTeX input format, SGML or XML using a publicly available DTD, and standard-conforming simple HTML, PostScript or PDF designed for human modification. Examples of transparent image formats include PNG, XCF and JPG. Opaque formats include proprietary formats that can be read and edited only by proprietary word processors, SGML or XML for which the DTD and/or processing tools are not generally available, and the machine-generated HTML, PostScript or PDF produced by some word processors for output purposes only. The “Title Page” means, for a printed book, the title page itself, plus such following pages as are needed to hold, legibly, the material this License requires to appear in the title page. For works in formats which do not have any title page as such, “Title Page” means the text near the most prominent appearance of the work's title, preceding the beginning of the body of the text. The “publisher” means any person or entity that distributes copies of the Document to the public. A section “Entitled XYZ” means a named subunit of the Document whose title either is precisely XYZ or contains XYZ in parentheses following text that translates XYZ in another language. (Here XYZ stands for a specific section name mentioned below, such as “Acknowledgements”, “Dedications”, “Endorsements”, or “History”.) To “Preserve the Title” of such a section when you modify the Document means that it remains a section “Entitled XYZ” according to this definition. The Document may include Warranty Disclaimers next to the notice which states that this License applies to the Document. These Warranty Disclaimers are considered to be included by reference in this License, but only as regards disclaiming warranties: any other implication that these Warranty Disclaimers may have is void and has no effect on the meaning of this License. ### 2. Verbatim Copying You may copy and distribute the Document in any medium, either commercially or noncommercially, provided that this License, the copyright notices, and the license notice saying this License applies to the Document are reproduced in all copies, and that you add no other conditions whatsoever to those of this License. You may not use technical measures to obstruct or control the reading or further copying of the copies you make or distribute. However, you may accept compensation in exchange for copies. If you distribute a large enough number of copies you must also follow the conditions in section 3. You may also lend copies, under the same conditions stated above, and you may publicly display copies. ### 3. Copying in Quantity If you publish printed copies (or copies in media that commonly have printed covers) of the Document, numbering more than 100, and the Document's license notice requires Cover Texts, you must enclose the copies in covers that carry, clearly and legibly, all these Cover Texts: Front-Cover Texts on the front cover, and Back-Cover Texts on the back cover. Both covers must also clearly and legibly identify you as the publisher of these copies. The front cover must present the full title with all words of the title equally prominent and visible. You may add other material on the covers in addition. Copying with changes limited to the covers, as long as they preserve the title of the Document and satisfy these conditions, can be treated as verbatim copying in other respects. If the required texts for either cover are too voluminous to fit legibly, you should put the first ones listed (as many as fit reasonably) on the actual cover, and continue the rest onto adjacent pages. If you publish or distribute Opaque copies of the Document numbering more than 100, you must either include a machine-readable Transparent copy along with each Opaque copy, or state in or with each Opaque copy a computer-network location from which the general network-using public has access to download using public-standard network protocols a complete Transparent copy of the Document, free of added material. If you use the latter option, you must take reasonably prudent steps, when you begin distribution of Opaque copies in quantity, to ensure that this Transparent copy will remain thus accessible at the stated location until at least one year after the last time you distribute an Opaque copy (directly or through your agents or retailers) of that edition to the public. It is requested, but not required, that you contact the authors of the Document well before redistributing any large number of copies, to give them a chance to provide you with an updated version of the Document. ### 4. Modifications You may copy and distribute a Modified Version of the Document under the conditions of sections 2 and 3 above, provided that you release the Modified Version under precisely this License, with the Modified Version filling the role of the Document, thus licensing distribution and modification of the Modified Version to whoever possesses a copy of it. In addition, you must do these things in the Modified Version: * **A.** Use in the Title Page (and on the covers, if any) a title distinct from that of the Document, and from those of previous versions (which should, if there were any, be listed in the History section of the Document). You may use the same title as a previous version if the original publisher of that version gives permission. * **B.** List on the Title Page, as authors, one or more persons or entities responsible for authorship of the modifications in the Modified Version, together with at least five of the principal authors of the Document (all of its principal authors, if it has fewer than five), unless they release you from this requirement. * **C.** State on the Title page the name of the publisher of the Modified Version, as the publisher. * **D.** Preserve all the copyright notices of the Document. * **E.** Add an appropriate copyright notice for your modifications adjacent to the other copyright notices. * **F.** Include, immediately after the copyright notices, a license notice giving the public permission to use the Modified Version under the terms of this License, in the form shown in the Addendum below. * **G.** Preserve in that license notice the full lists of Invariant Sections and required Cover Texts given in the Document's license notice. * **H.** Include an unaltered copy of this License. * **I.** Preserve the section Entitled “History”, Preserve its Title, and add to it an item stating at least the title, year, new authors, and publisher of the Modified Version as given on the Title Page. If there is no section Entitled “History” in the Document, create one stating the title, year, authors, and publisher of the Document as given on its Title Page, then add an item describing the Modified Version as stated in the previous sentence. * **J.** Preserve the network location, if any, given in the Document for public access to a Transparent copy of the Document, and likewise the network locations given in the Document for previous versions it was based on. These may be placed in the “History” section. You may omit a network location for a work that was published at least four years before the Document itself, or if the original publisher of the version it refers to gives permission. * **K.** For any section Entitled “Acknowledgements” or “Dedications”, Preserve the Title of the section, and preserve in the section all the substance and tone of each of the contributor acknowledgements and/or dedications given therein. * **L.** Preserve all the Invariant Sections of the Document, unaltered in their text and in their titles. Section numbers or the equivalent are not considered part of the section titles. * **M.** Delete any section Entitled “Endorsements”. Such a section may not be included in the Modified Version. * **N.** Do not retitle any existing section to be Entitled “Endorsements” or to conflict in title with any Invariant Section. * **O.** Preserve any Warranty Disclaimers. If the Modified Version includes new front-matter sections or appendices that qualify as Secondary Sections and contain no material copied from the Document, you may at your option designate some or all of these sections as invariant. To do this, add their titles to the list of Invariant Sections in the Modified Version's license notice. These titles must be distinct from any other section titles. You may add a section Entitled “Endorsements”, provided it contains nothing but endorsements of your Modified Version by various parties--for example, statements of peer review or that the text has been approved by an organization as the authoritative definition of a standard. You may add a passage of up to five words as a Front-Cover Text, and a passage of up to 25 words as a Back-Cover Text, to the end of the list of Cover Texts in the Modified Version. Only one passage of Front-Cover Text and one of Back-Cover Text may be added by (or through arrangements made by) any one entity. If the Document already includes a cover text for the same cover, previously added by you or by arrangement made by the same entity you are acting on behalf of, you may not add another; but you may replace the old one, on explicit permission from the previous publisher that added the old one. The author(s) and publisher(s) of the Document do not by this License give permission to use their names for publicity for or to assert or imply endorsement of any Modified Version. ### 5. Combining Documents You may combine the Document with other documents released under this License, under the terms defined in section 4 above for modified versions, provided that you include in the combination all of the Invariant Sections of all of the original documents, unmodified, and list them all as Invariant Sections of your combined work in its license notice, and that you preserve all their Warranty Disclaimers. The combined work need only contain one copy of this License, and multiple identical Invariant Sections may be replaced with a single copy. If there are multiple Invariant Sections with the same name but different contents, make the title of each such section unique by adding at the end of it, in parentheses, the name of the original author or publisher of that section if known, or else a unique number. Make the same adjustment to the section titles in the list of Invariant Sections in the license notice of the combined work. In the combination, you must combine any sections Entitled “History” in the various original documents, forming one section Entitled “History”; likewise combine any sections Entitled “Acknowledgements”, and any sections Entitled “Dedications”. You must delete all sections Entitled “Endorsements”. ### 6. Collections of Documents You may make a collection consisting of the Document and other documents released under this License, and replace the individual copies of this License in the various documents with a single copy that is included in the collection, provided that you follow the rules of this License for verbatim copying of each of the documents in all other respects. You may extract a single document from such a collection, and distribute it individually under this License, provided you insert a copy of this License into the extracted document, and follow this License in all other respects regarding verbatim copying of that document. ### 7. Aggregation with Independent Works A compilation of the Document or its derivatives with other separate and independent documents or works, in or on a volume of a storage or distribution medium, is called an “aggregate” if the copyright resulting from the compilation is not used to limit the legal rights of the compilation's users beyond what the individual works permit. When the Document is included in an aggregate, this License does not apply to the other works in the aggregate which are not themselves derivative works of the Document. If the Cover Text requirement of section 3 is applicable to these copies of the Document, then if the Document is less than one half of the entire aggregate, the Document's Cover Texts may be placed on covers that bracket the Document within the aggregate, or the electronic equivalent of covers if the Document is in electronic form. Otherwise they must appear on printed covers that bracket the whole aggregate. ### 8. Translation Translation is considered a kind of modification, so you may distribute translations of the Document under the terms of section 4. Replacing Invariant Sections with translations requires special permission from their copyright holders, but you may include translations of some or all Invariant Sections in addition to the original versions of these Invariant Sections. You may include a translation of this License, and all the license notices in the Document, and any Warranty Disclaimers, provided that you also include the original English version of this License and the original versions of those notices and disclaimers. In case of a disagreement between the translation and the original version of this License or a notice or disclaimer, the original version will prevail. If a section in the Document is Entitled “Acknowledgements”, “Dedications”, or “History”, the requirement (section 4) to Preserve its Title (section 1) will typically require changing the actual title. ### 9. Termination You may not copy, modify, sublicense, or distribute the Document except as expressly provided under this License. Any attempt otherwise to copy, modify, sublicense, or distribute it is void, and will automatically terminate your rights under this License. However, if you cease all violation of this License, then your license from a particular copyright holder is reinstated **(a)** provisionally, unless and until the copyright holder explicitly and finally terminates your license, and **(b)** permanently, if the copyright holder fails to notify you of the violation by some reasonable means prior to 60 days after the cessation. Moreover, your license from a particular copyright holder is reinstated permanently if the copyright holder notifies you of the violation by some reasonable means, this is the first time you have received notice of violation of this License (for any work) from that copyright holder, and you cure the violation prior to 30 days after your receipt of the notice. Termination of your rights under this section does not terminate the licenses of parties who have received copies or rights from you under this License. If your rights have been terminated and not permanently reinstated, receipt of a copy of some or all of the same material does not give you any rights to use it. ### 10. Future Revisions of this License The Free Software Foundation may publish new, revised versions of the GNU Free Documentation License from time to time. Such new versions will be similar in spirit to the present version, but may differ in detail to address new problems or concerns. See <>. Each version of the License is given a distinguishing version number. If the Document specifies that a particular numbered version of this License “or any later version” applies to it, you have the option of following the terms and conditions either of that specified version or of any later version that has been published (not as a draft) by the Free Software Foundation. If the Document does not specify a version number of this License, you may choose any version ever published (not as a draft) by the Free Software Foundation. If the Document specifies that a proxy can decide which future versions of this License can be used, that proxy's public statement of acceptance of a version permanently authorizes you to choose that version for the Document. ### 11. Relicensing “Massive Multiauthor Collaboration Site” (or “MMC Site”) means any World Wide Web server that publishes copyrightable works and also provides prominent facilities for anybody to edit those works. A public wiki that anybody can edit is an example of such a server. A “Massive Multiauthor Collaboration” (or “MMC”) contained in the site means any set of copyrightable works thus published on the MMC site. “CC-BY-SA” means the Creative Commons Attribution-Share Alike 3.0 license published by Creative Commons Corporation, a not-for-profit corporation with a principal place of business in San Francisco, California, as well as future copyleft versions of that license published by that same organization. “Incorporate” means to publish or republish a Document, in whole or in part, as part of another Document. An MMC is “eligible for relicensing” if it is licensed under this License, and if all works that were first published under this License somewhere other than this MMC, and subsequently incorporated in whole or in part into the MMC, **(1)** had no cover texts or invariant sections, and **(2)** were thus incorporated prior to November 1, 2008. The operator of an MMC Site may republish an MMC contained in the site under CC-BY-SA on the same site at any time before August 1, 2009, provided the MMC is eligible for relicensing. ## ADDENDUM: How to use this License for your documents To use this License in a document you have written, include a copy of the License in the document and put the following copyright and license notices just after the title page: Copyright (c) . Permission is granted to copy, distribute and/or modify this document under the terms of the GNU Free Documentation License, Version 1.3 or any later version published by the Free Software Foundation; with no Invariant Sections, no Front-Cover Texts, and no Back-Cover Texts. A copy of the license is included in the section entitled “GNU Free Documentation License”. If you have Invariant Sections, Front-Cover Texts and Back-Cover Texts, replace the `with...Texts.` line with this: with the Invariant Sections being , with the Front-Cover Texts being , and with the Back-Cover Texts being . If you have Invariant Sections without Cover Texts, or some other combination of the three, merge those two alternatives to suit the situation. If your document contains nontrivial examples of program code, we recommend releasing these examples in parallel under your choice of free software license, such as the GNU General Public License, to permit their use in free software. ================================================ FILE: README.md ================================================ ![image](https://cdn-images-1.medium.com/max/2000/1*CrT9m-UeyDlnOgJNBkAubw.jpeg) # Lemonade's Policy 2.0 ### The world’s first open source insurance policy. Insurance policies are the ultimate word salad, which is why we’ve created the world’s first open source insurance policy. We’re calling it Policy 2.0. **Policy 2.0** is a radically simplified, modernized, and digitized insurance policy. It’s open source, so we’d love for everyone to contribute to and benefit from it. Feel free to submit a pull request. We're taking a run at creating 'Policy 2.0,' with 4 overarching goals: Make a policy that's simple, approachable, relevant, and digital. **Simple:** Traditional insurance policies are filled with exceptions. Exceptions make actuaries happy, but their costs, in complexity and transparency, are just too high. Zero exceptions may be unrealistic, because the price of such a policy would be unattractive, but the goal must be a radical reduction in exceptions, and ensuring they're easy to understand and remember. **Approachable:** There are good reasons why policies use lingo that requires a law degree and a broker's license to understand, but Policy 2.0 is about using contemporary English that everyone understands. And the policy has to be way shorter. No document is 'readable' if it's so long that no one actually reads it. **Relevant:** Policy 2.0 aims to balance relevant coverage with affordability, while allowing users to choose additional coverage that makes sense for them. **Digital:** Each Policy 2.0 will be unique and dynamically-generated, based on the choices the user made. ### License GNU Free Documentation License. Permission is granted to copy, distribute and/or modify this document under the terms of the [GNU Free Documentation License, Version 1.3](./LICENSE.md). or any later version published by the Free Software Foundation; with no Invariant Sections, no Front-Cover Texts, and no Back-Cover Texts. ![image](https://www.lemonade.com/assets/logo-e0f7c4f109ef5af2bb9604137856587ca61a56ed8c3ab2b8f56fcec923babafc.svg) ================================================ FILE: docs/CODEOWNERS ================================================ #This Code Owners is automatically maintained by arnica.io. Please maintain this file through Arnica. #This is an auto generated team managed by arnica, to see team members go to https://github.com/orgs/lemonade-hq/teams/arnica-policy-2-0-master-codeowners/members * @lemonade-hq/arnica-policy-2-0-master-codeowners ================================================ FILE: renters.md ================================================ # Jane, welcome to Lemonade! ### We promise to do our best to make sure you love it here! ![QR Code Lemonade Policy 2.0](https://images.lemonade.com/qr-lemonade.jpg) Scan this with your phone, or click on it, to view your policy online, make changes, and file claims. Copyright Lemonade Inc. 2018\. Copyleft, GNU Free Documentation License ## The Squeezed Version Congratulations! You got yourself a Lemonade Renters Insurance Policy for your home at **5 Crosby St., New York, NY 10013**. Your policy number is **LP234F32**. We want to make sure you know what you’re getting for your **$5.20 per month**, so we did our best to make this policy short and sweet. Please take a few minutes to read through it, and [let us know](# "In the real doc, this will let you get in touch with us directly") if you have any questions. You can always [change coverages](# "In the real doc, this will open our Live Policy editor"), [add valuable items](# "In the real doc, this will open our Live Policy editor"), and more. ### Who’s covered? This policy covers **Jane Doe**. You can add more people, as long as they permanently live at 5 Crosby St. ### When? This policy covers events that started after March 12, 2017 at 1:30pm, and before March 12, 2018, 1:30pm. ### Against what? We protect you against theft, vandalism, fire, smoke, burst pipes, appliance leaks, and damage others may accuse you of causing. There are important limitations, though, so please read on. ### For how much? We provide coverage up to a certain limit. Here is a quick overview of the limits you chose (and can [change](# "in the real doc, this will open our Live Policy editor")): * Damage or theft of your stuff, up to $10,000 in total, and $2,500 per item. * Temporary living expenses if your home becomes unlivable, up to $2,500. * Damage to other people, up to $100,000 These amounts indicate the maximum we will reimburse you, in total, per year - even if the losses you suffer are larger. So take a minute to imagine the stuff belonging to everyone on the policy going up in flames tomorrow (ouch). Remember to include everyone's clothes, furniture, jewelry, cameras, laptops, and phones. If $10,000 isn’t enough to cover everything, please [increase your total coverage](# "In the real doc, this will open our Live Policy editor"). And if you own any valuable items worth more than $2,500, be sure to [add them to your policy](# "In the real doc, this will open our Live Policy editor") so they’re covered for their full amount. ### Used or new? We will pay you the cost to repair or replace an item with one of the same make and model. If the exact item is not available, we’ll pay enough to buy something equivalent. We don’t pay less just because your damaged item was used. # And now, the full story… ## If your stuff gets damaged or stolen ### We cover stuff that you own, that’s normally kept at your home, and that was damaged by a fire, a burst pipe, theft or vandalism. ### We don’t cover cash, assault weapons, stuff that’s primarily used for your business, or things that you willingly handed over to someone else to look after. #### What’s not covered This policy covers your stuff, up to a limit of $10,000 per year, for damages caused by fire or smoke, theft or vandalism, burst pipes or appliance leaks. Everything else, such as “I lost it,” “my dog ate it,” “my kid dropped it,” “my power went out,” “my computer died,” “my roof is leaking,” “I overfilled my bathtub,” or “I had a wardrobe malfunction,” aren’t covered. You can add coverage for some of these [here](# "In the real doc, this will open our Live Policy editor"). Items worth up to $2,500 are covered automatically, but we won’t pay more per item unless they’ve been [added individually](# "In the real doc, this will open our Live Policy editor"). So please let us know if you have jewelry, cameras, or other valuables worth more than $2,500 each, so we can cover them fully. We cover your physical stuff, but things like your health, reputation, identity, data, lost wages, privacy, credit rating, and financial instruments (including cash, cryptocurrency, and stocks) are not covered. We cover your stuff anywhere in the world, as long as it is normally kept at your home. Stuff that lives at your summer house, office, or in a storage unit, is not covered. You can add coverage for some of these [here](# "In the real doc, this will open our Live Policy editor"). We cover stuff you own and have in your possession. If you willingly handed your things to someone else, they’re responsible. So if your stuff was damaged during shipping, at the dry cleaners, while on loan to a friend, or never came off your flight to Hawaii - it’s not covered. We don’t cover stuff that’s usually covered by other types of insurance policies such as auto, travel, pet, or business. So damage to your car, injuries to your pet, or damage to stuff used for business such as your work laptop, professional camera gear, and so on, aren’t covered. You can add coverage for some of these [here](# "In the real doc, this will open our Live Policy editor"). Assault weapons (as defined by the Federal Assault Weapons Ban of 1994) are not covered. Other licensed firearms are covered, as long as they are [stored securely and used responsibly](https://oag.ca.gov/firearms/tips). We do not cover intentional damage by you, nor losses that could have been foreseen or prevented by you through reasonable steps. So if damage like this has happened before and you haven’t fixed the problem fully, that’s on you. We don't cover damage caused by illegal activity by someone listed on this policy, nor property that is illegal for you to own. ## If your home becomes unlivable ### Theft, vandalism, fires, and burst pipes in your building can make it unlivable. If any of these happen, we’ll help. We will pay for reasonable increased living costs caused due to theft, vandalism, fire, smoke, burst pipes or appliance leaks in your building, or mandatory evacuation of your building. We’ll cover costs of an AirBnB or hotel accommodation while your home remains unlivable, up to $2,500 per year. If you’d like more coverage, you can increase it [here](# "In the real doc, this will open our Live Policy editor"). #### What’s not covered All other things that make your home unlivable are not covered. So if your flight got canceled, your neighbors are noisy, your heating or AC is broken, your power failed, the water supply stopped, or your home is infested with bedbugs or other wildlife, you’re not covered. And just like damage to your stuff, we do not cover you if the damage was intentional, foreseeable or preventable by you, or relates to illegal activity by you. ## If you accidentally damage or injure others ### This policy protects you if someone claims you’ve caused them bodily injury or property damage. If needed, we’ll provide legal defense at our own expense and pay the damages on your behalf. The maximum amount we’ll pay in damages is $100,000 per year. You can increase that [here](# "In the real doc, this will open our Live Policy editor"). Since we’re paying, we may investigate, settle, or contest the complaint as we judge best. #### What’s not covered We cover claims of bodily injury or property damage, not stress, mental anguish, or reputational damage. Damages covered by other types of insurance (such as auto, boat, or professional liability insurance), aren’t covered by this one. Damage caused by drones, other flying machines or motorized vehicles of any kind (such as electric bikes, segways, or electric skateboards) aren’t covered. We cover fire damage to your apartment, but other damage to the unit you rent (like scratched floors) isn’t covered. That’s what the security deposit is for. We don’t cover damage caused by assault weapons (as defined by the Federal Assault Weapons Ban of 1994). Harm caused by other licensed firearms is covered, as long as they were [stored securely and used responsibly](https://oag.ca.gov/firearms/tips). Damage that’s related, or similar to, something you’ve been accused of in the past ten years (e.g. your dog has bitten before) isn’t covered. We don’t cover damage caused intentionally, or as a result of illegal activity, by anyone listed on the policy. ## Oh, wait, there’s more coverage where this came from… ### Add Bad Weather Package You can add coverage for damages caused by hail, snow, wind, and heavy rains. [Add our bad weather coverage](# "In the real doc, this will open our Live Policy editor"). ### Add Electronic Devices Package Our phones, laptops, and iPads have become an integral part of our lives, but they’re easily damaged. We offer a special coverage to protect those devices against things like spilled coffee, falling, and shattering, etc. [Add complete device coverage](# "In the real doc, this will open our Live Policy editor"). ### Add Earthquake Package We provide additional coverage against earthquakes that damage your stuff. [Add earthquake coverage](# "In the real doc, this will open our Live Policy editor"). ### Add Water Backup Package It turns out sewage systems sometimes get disoriented and back up into your apartment (yuck). We provide coverage for this unfortunate situation as well. [Add water backup coverage](# "In the real doc, this will open our Live Policy editor"). ### Add Non-Owner Automobile Package Have a driver’s license but no car? [Add non-owner automobile coverage](# "In the real doc, this will open our Live Policy editor") and we’ll cover damage or injury caused to you, others, your vehicle, or others’ vehicle(s) if you are involved in an accident while driving a rented or borrowed car. ### And more... See a complete list of additional coverages on offer, and sign up for notifications when more become available. ## Your participation if something bad happens ### AKA your ‘deductible.’ It is now set to $500. A deductible is an amount that defines your participation every time potential damage is claimed. It’s called a deductible, because it’s deducted from your claim payment. For example, if you have an approved claim that amounts to $7,000, we will end up paying you $6,500 (after we deduct the $500 ‘deductible’). It also means there’s no point in filing claims for anything less than the $500. Opting for a higher deductible means you’re taking more of the risk on yourself, so it is often a way to lower your monthly payments. You can [increase or decrease your deductible](# "In the real doc, this will open our Live Policy editor")... It’s up to you.
## Your obligations if something bad happens ### You are required to take immediate steps to minimize damages, notify us right away, and help with our investigation. #### And more specifically... [Notify](# "In the real doc, this will allow you to get in touch directly") us promptly of any damage or loss. Call the authorities (e.g. police, fire department, or emergency medical services) or other people in a position to help (e.g. landlords or apartment managers). Take reasonable steps to minimize the damage (e.g. try to put out the fire, call a plumber to prevent ongoing damage, move property, or people out of harm's way). You can include associated costs in your claim. Take reasonable steps to recover your losses, including exhausting other insurance before making a claim with Lemonade (e.g. your travel insurance). Provide us with the information and records we ask for as soon as possible (e.g. contact information for parties that may be involved, proof of ownership for high value items). We may ask you to submit to examination under oath, or provide evidence or affidavits relating to your claim. We may also ask you to take other reasonable steps to ensure we have complete and truthful accounts of the loss and its circumstances. #### This is important... ### Failure to provide complete and truthful information at all times, including prior to the purchase of the policy or following a loss, or to comply with the above obligations, will be considered a breach of contract, and will void your coverage. We may also be obligated to report it to federal and state authorities. ## Some technical stuff, then we’re done! ### Changes & Additions If you request and we approve changes during the year, we will send you a new policy. That policy will apply from that point to the original expiration date. ### Cancellation & Renewal Your policy is for a year and will automatically renew until it is canceled by you or by us. If we choose to cancel or not renew this policy, we’ll notify you at me@myemail.com. We will provide at least 10 days notice so you can get a new policy. If that’s not your email, you can change it [here](# "In the real doc, this will open our Live Policy editor"). You are free to cancel your policy at any time, and we will return any leftover part of your paid premiums. Also, please note cancellation will only take place from the date you asked us to cancel the policy, and not before. If you fail to make a payment, we will try to reach you at the email you provided. If you do not pay within 10 days of the due date, your policy will be canceled immediately. ### Arbitration & Complaints We hope we never have any disagreements, and prefer to settle disagreements in the most collaborative way possible. For this reason, both you and us commit that disagreement related to this contract will be settled by arbitration, administered by the American Arbitration Association, in accordance with its Commercial Arbitration Rules, and judgment by the arbitrator may be entered in any court of appropriate jurisdiction. Alternatively, if you’d like to make a complaint, please [contact us](# "In the real doc, this will allow you to get in touch directly"). ### When someone else caused your damage ‘Subrogation’ is a fancy term for when ‘someone else is responsible for your loss.’ If we pay you for a loss under this policy, then you give us the right to pursue the responsible party to recover what we can. If we recover enough money from them, we’ll even send you back part of your deductible. We can’t promise we’ll collect, but you give us the right to try. If you get reimbursed by someone else, like your credit card company, your friend, or landlord, you agree to return the money we paid you for that loss. No double-collecting allowed! ### Clarifications Required by the Great State of [State] Your state is a very special place, and it asked that we clarify the following... ## Well, look who’s made it here! Congrats! ### We’re so happy you made it to the end. Thanks! Hopefully this all made sense and you feel good about your coverage. Please [contact us](# "In the real doc, this will allow you to get in touch directly") if anything remains unclear, or if you need more coverage than this agreement provides. We wish you a charmed year, but should you encounter any bumps along the way, we’ll do our best to smooth them out. After all, when life gives you lemons… Sincerely, Daniel, Shai, and the Lemonade Team 5 Crosby St., New York, NY 10013 Lemonade.com help@lemonade.com +1 (844) 733-8666‬