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Lemonade stock is trading at half of what institutional investors were willing to pay during the 2020 LMND stock debut. There's a reason for that. Lemonade isn't an insurance company because the most important attributes of an insurance stock - return on float and underwriting profits - are missing from Lemonade's business model. Instead, they think that giving money to charity will somehow keep the bad guys from filing fraudulent claims. If you're looking for exposure to the insurance companies, buy one of several dividend champions like Chubb or Aflac. Better yet, just buy shares in an insurance ETF. $LMND stock may be valued about the same as the cash and investment on their books, and there's a reason for that. Until they can get their combined ratio under 100%, Lemonade's business will never be profitable.

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