Shopping State Farm? Here’s an honest, side-by-side look at how RMO MyCondo compares — on price, coverage, and where each one wins.
State Farm figures referenced from public 2026 pages and vary by plan, state, and applicant. MyCondo pricing requires an active RMO membership. Prices shown are starting rates; your final quote is provided upon completing an application.
| Feature | RMO MyCondo | State Farm |
|---|---|---|
| Starting premium | from $19/mo (varies by unit) | ~$40–$60/mo avg |
| Walls-in coverage | $25K–$150K | Quoted by unit |
| Loss assessment | Included ($10K–$50K) | Often an add-on |
| Valuation | Replacement cost (all tiers) | Optional upgrade |
| Liability | $100K–$500K | $100K–$300K typical |
| Scheduled valuables | Included (Premier/Elite) | Add-on |
| Service | RMO membership | Local agent |
MyCondo includes loss-assessment coverage on every tier ($10K–$50K). On many State Farm condo policies it is an optional add-on or carries a low default limit.
MyCondo is member-priced from $19/month, with final premium by your unit. State Farm condo averages higher and is quoted through an agent.
Yes on every MyCondo tier; State Farm commonly offers it as an upgrade.
$25,000 to $150,000 depending on tier.
