Updated September 28, 2026 · AssureCue Editorial Team
CHECK24 vs Lemonade
CHECK24 vs Lemonade: the differences
| Compare |  CHECK24 |  Lemonade |
|---|---|---|
| Premium from | €0.69 | $5 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, Gadget | Auto, Home, Renters, Life, Pet |
| Provider type | Comparison site | Insurer |
| Cover limit | EUR 5 million to EUR 50 million, recommended at least EUR 10 million | Up to $100,000,000 |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | App, Phone, Email |
| Monthly payments | Not confirmed | Yes |
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Key differences
- CHECK24 scores higher overall: 9.3 vs 9.2.
- Founded is lower at CHECK24: 1999 vs 2015.
- Lemonade is available in 2 more countries.
- Insurance types: only CHECK24 offers Health, Travel, Motorcycle.
- Insurance types: only Lemonade offers Renters.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
- Claims channels: only Lemonade offers App, Phone, Email.
Our verdict on each
CHECK24
CHECK24 suits people who would rather compare several insurers in one place than settle with a single provider, and it has worked as a comparison site since 1999. The trade-off is that the policy belongs to whichever insurer you pick, so the gain comes from the choice rather than from the site itself.
Lemonade
Lemonade suits US households wanting several policies in the same app, with premiums starting at $5 a month. Its range is narrow: auto, home and renters covers personal lines only, so anyone needing health or travel cover goes to a broader provider.
Score breakdown
| Area | CHECK24 | Lemonade |
|---|---|---|
| Cost | 9.8HigherEntry premium €0.69 sits well under the site median of €8.37, though monthly payments decide the total. | 9.2Premiums start at $5 on monthly payments, below the site median of €8.37. |
| Offer | 9.6Higher | 9.4 |
| Trust | 8.6 | 8.9Higher |
How they place
| Ranking | CHECK24 | Lemonade |
|---|---|---|
| Car insurance | 9 of 393 | 14 of 393 |
| Home insurance | 8 of 272 | 15 of 272 |
| Life insurance | 7 of 261 | 10 of 261 |
| Pet insurance | 7 of 161 | 10 of 161 |
What each covers
| Insurance types | CHECK24 | Lemonade |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | No | Yes |
| Life | Yes | Yes |
| Health | Yes | No |
| Travel | Yes | No |
| Pet | Yes | Yes |
| Motorcycle | Yes | No |
| Dental | Yes | No |
| Income protection | Yes | No |
| Gadget | Yes | No |
Availability and regulation
| Country | CHECK24 | Lemonade |
|---|---|---|
| Germany | IHK Frankfurt am Main D-UC2S-PFVJD-82 IHK fuer Muenchen und Oberbayern D-FPD7-IQZPB-00 Handelskammer Hamburg D-I6KJ-85T6H-31 | Not confirmed |
Available in 1 country for both. Additional countries for CHECK24: 2. Additional countries for Lemonade: 4.
Every fact side by side
| Fact | CHECK24 | Lemonade |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | CHECK24 Vergleichsportal GmbH | Lemonade Insurance Company |
| Headquarters | Germany | United States |
| Founded | 1999Lower | 2015 |
| Support channels | Chat, Email, Phone, Help centre | Phone, Email, Chat, Help centre |
Pros and cons
CHECK24
Pros
- One account reaches auto, home and life, so several kinds of cover can be arranged in the same place.
- Monthly payments are the model on offer, monthly, which spreads a policy charge month by month.
- Support runs on chat, email and phone, so a question can go by chat, email, phone or the help centre.
Cons
- comparison site places CHECK24 outside underwriting, so the cover limit, the wording and the payout are set by the insurer you choose.
- The claim route follows the insurer too: CHECK24 Versicherungscenter online claim form, insurer online claim form and post means the form sits with the site's insurance centre, with the insurer, or goes by post.
- Monthly payments are the only model listed, monthly, so nothing annual is shown beside the monthly figure.
Lemonade
Pros
- Premiums start at $5 a month, so the first policy is a small commitment
- auto, home and renters policies sit under the same insurer, keeping a household on a single account
- Monthly payments are available, and the pricing model is monthly
Cons
- Health, travel and motorcycle are not among auto, home and renters, so those lines need another provider
- Billing follows monthly alone, so annual cover is not among the payment options
- Life cover tops out at Up to $100,000,000, and the range sits in a single US market
Who each suits
CHECK24
Who it suits
- People arranging several kinds of cover, since one account reaches auto, home and life.
- Shoppers who want a policy charge spread month by month: monthly.
- Applicants in Germany, where the site is based: DE.
Who should look elsewhere
- Buyers who want one insurer's own cover rather than a comparison: Good Sam Insurance Agency sets out auto, home and renters from a single provider.
- People who want a quote from a single market rather than a German comparison: EuroAsia Insurance lists UZS 60,000, drawn from a different market to DE.
Lemonade
Who it suits
- US renters and homeowners who want several policies in the same app
- Pet owners adding an animal policy to an existing monthly account
- People who want a low entry price rather than a long policy list
Who should look elsewhere
- Readers who want health, travel or motorcycle, since those are not among auto, home and renters while Good Sam Insurance Agency lists them in auto, home and renters
- Readers who want a local market rather than the US, where Euroasia Insurance quotes from UZS 60,000
- Readers who rank the entry price above everything else, since bunq is listed at €0 and Lemonade at $5
Current offers
Lemonade
Current offer
Bonus
Rover gift card for new Lemonade Pet policyholders: Rover gift card
New Lemonade pet parents only; code unlocks 2 months after the pet policy starts; one code per account; available in select states; codes expire one year from issue
Source, checked September 26, 2026
First period offer
Pet bundle discount: 10%
Bundle pet insurance with other Lemonade policies (renters, homeowners, car); applies to the base accident and illness policy and vet visit fee and physical therapy add-ons
Source, checked September 26, 2026
First period offer
Pet multi-pet discount: 10%
Policy for more than one cat or dog in the same household
Source, checked September 26, 2026
First period offer
Pet annual payment discount: 5%
Pay for the pet policy annually instead of monthly
Source, checked September 26, 2026
Country by country
| Country | CHECK24 | Lemonade |
|---|---|---|
| Austria | Yes | No |
| France | No | Yes |
| Netherlands | No | Yes |
| Spain | Yes | No |
| United Kingdom | No | Yes |
| United States | No | Yes |
| Germany | Yes | Yes |
Questions about each
CHECK24
What does cover cost through CHECK24?+
For private liability cover on monthly payments, the entry premium is €0.69. The model is monthly, so a policy is carried month by month rather than settled in one payment, and the monthly figure is the number to weigh when comparing insurers. The exact premium follows the insurer and the cover you select.
Is CHECK24 an insurer?+
CHECK24 is a comparison site rather than an insurer, and the site is operated by CHECK24 Vergleichsportal GmbH. The policy you take out is underwritten and settled by the insurer you choose from the comparison, which is why the cover limit and the claim route both point to that insurer rather than to the site.
Lemonade
How much does Lemonade cost to start?+
Cover starts at $5, which sits below the site median of €8.37 and under the upper quartile of €29.72. Lemonade bills monthly, so the entry figure is what a first policy costs each month rather than an annual sum paid up front.
Which kinds of insurance does Lemonade sell?+
Lemonade lists auto, home and renters as its range, covering the household rather than business risks. Health, travel and motorcycle lines are not in that list, so anyone needing them has to look at a wider provider such as Good Sam Insurance Agency.
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