Lemonade is eyeing a national expansion after filing for a license to operate in 46 states and the District of Columbia.

The peer-to-peer insurance startup focused on renters and homeowners insurance is pursuing the broader regulatory approval strategy after starting small. A few months ago, the insurer announced it gained its first insurance carrier license in New York and that it had filed for a license in California.

A spokesperson told Carrier Management that it was unclear which state would grant approval next, because “approval times are dynamic.” The insurer will provide a web link so customers can track the progress and availability of Lemonade products in each state, the spokesperson said.

Once active, that link will be www.lemonade.com/lemonade_goes_nationwide.

Lemonade asserts that “tens of thousands of people” nationally have applied for Lemonade coverage since September.

Why is Lemonade applying for approval in 46 states and not all of them? The insurer said that Mississippi, Washington and Wyoming have statutory waiting times, and it will file in each state once those requirements have been met.

Lemonade uses software, called bots, to deliver insurance through its app and at lemonade.com. Consumers also file claims with the bot, which can pay claims instantly and without human intervention. Lemonade takes a flat fee for insurance and gives back any unclaimed money to causes policyholders care about.

Earlier in December, Lemonade disclosed that it raised $34 million in new venture funding to help expand its operations. General Catalyst led the round, with participation from GV (formerly Google Ventures), Thrive Capital and Tusk Ventures. Existing investors XL Innovate (the investment arm of XL Catlin), Aleph and Sequoia also participated.

Source: Lemonade