Best condo insurance plans of 2026.

A plain-English comparison of the condo insurance plans you can buy on your own — what they cost, what they actually cover, and which fits which household. Updated for 2026.

The Top 4

The plans worth considering.

Ranked by overall value for most households buying condo insurance on their own.

#1 Best Overall

RMO MyCondo

Walls-in interior, belongings, liability, loss of use, and l

Starting pricefrom $19/mo
Loss assessmentIncluded to $50K
Walls-in$25K–$150K
ValuationReplacement cost
LiabilityUp to $500K

View MyCondo plans →

#2 Local Agents

State Farm

Agent-sold, broad bundling.

Starting price~$40–$60/mo
Loss assessmentAdd-on
ValuationOptional
Liability$100K–$300K

MyCondo vs State Farm →

#3 App-First

Lemonade

Fast app-based claims.

Starting price~$25+/mo
Loss assessmentLower default
ValuationAdd-on
Liability$100K typical

MyCondo vs Lemonade →

#4 Established Carrier

Allstate

Long-standing condo carrier.

Starting priceAgent quote
Loss assessmentEndorsement
ValuationOptional
Liability$100K–$300K

MyCondo vs Allstate →

Side by Side

The full comparison

Entry-plan pricing and terms for each provider, from public pages in 2026.

Feature	RMO MyCondo	State Farm	Lemonade	Allstate
Starting premium	from $19/mo	~$40–$60/mo avg	~$25+/mo	Agent quote
Walls-in coverage	$25K–$150K	By unit	By unit	By unit
Loss assessment	Included ($10K–$50K)	Add-on	Lower default	Endorsement
Valuation	Replacement cost	Optional	Add-on	Optional
Liability	$100K–$500K	$100K–$300K	$100K typical	$100K–$300K
Scheduled valuables	Included (Premier/Elite)	Add-on	Add-on	Floater
Service	RMO membership	Local agent	App-first	Independent agent

Competitor figures reflect public rate and benefit pages for individual self-purchase plans as of 2026 and vary by state, plan, and applicant. MyCondo pricing requires an active RMO membership. Prices shown are starting rates; your final quote is provided upon completing an application.

Which One Should You Pick?

Match the plan to your situation.

You want assessment protectionSpecial assessments can run thousands

MyCondo Premier or Elite. Loss-assessment coverage up to $50,000 protects you when the association passes along a covered-loss assessment. See the tiers →

You own valuable itemsJewelry, electronics, collectibles

MyCondo Premier or Elite. Scheduled valuables to $25K so prized items are fully covered. Compare Premier and Elite →

You own a house, not a condoFull structure coverage

You want MyHomeowners. Condo policies only cover walls-in; for a whole house see MyHomeowners →.

You rent your unitTenant coverage

You want MyRenters. If you don’t own the unit, renters insurance fits — see MyRenters →.

Disclosure. This page is general educational information and is not insurance advice, a recommendation, or an offer or solicitation of insurance. Insurance products are offered through RMO Insurance. All coverage is subject to the terms, conditions, limits, deductibles, and exclusions of the issued policy, and policy availability, eligibility, and pricing vary by state and by applicant. Nothing on this page modifies any policy or guarantees coverage — the issued policy governs. Learn more at RMO Insurance.