Condo coverage your association’s master policy doesn’t provide — walls-in interior, your belongings at replacement cost, liability to $500K, and loss-assessment coverage for your share of a building assessment.
Prices shown are starting monthly rates. Your final quote is provided after a completed application, based on the coverage you select and applicable underwriting factors (such as property, location, age, or pet details). Coverage is subject to eligibility, underwriting, and state availability.
RMO Property Insurance covers all three — separate products, each built for its situation.
If you own a house: dwelling, belongings, liability, and loss of use, from $79/mo.
If you own a condo: walls-in interior, belongings, liability, and loss assessment.
If you rent: your belongings, liability, and loss of use, from $9/mo.
Real coverage, without the gotchas the big carriers bury in the fine print.
Covers your unit’s interior — fixtures, flooring, cabinets, and improvements — the part your association’s master policy leaves to you.
Pays your share when the condo association levies a special assessment after a covered loss — coverage unique to condo policies.
Your furniture, electronics, and personal property are covered to replace new, not at depreciated value.
Personal liability up to $500,000 plus living expenses if your unit becomes unlivable during a covered repair.
Comparing options? See our guide to the best condo insurance plans of 2026.
Real side-by-side breakdowns on price, coverage, and where each one wins.
State Farm condo is agent-sold; MyCondo is member-priced with loss assessment and replacement cost standard.
Lemonade is app-first; MyCondo includes scheduled valuables and higher loss-assessment limits on upper tiers.
Allstate is a long-standing carrier; MyCondo adds member pricing and replacement-cost belongings on every tier.
Coverage built on the strength of your RMO membership.
Your master policy covers the building shell — MyCondo covers your interior, belongings, and liability, the part you’re actually responsible for.
A surprise condo assessment can run thousands. MyCondo covers your share up to $50,000 on higher tiers.
Condo coverage bundled with your RMO membership, with final premium based on your unit and location.
MyCondo (an HO-6 condo policy) covers your unit’s walls-in interior and improvements, your belongings at replacement cost, personal liability, loss-of-use living expenses, and loss assessment — your share of a condo association assessment. Higher tiers add scheduled valuables.
MyCondo starts at $19/month for Basic, $34 for Plus, $52 for Premier, and $79 for Elite. Final premium varies by your unit’s value, location, and coverage limits; all plans require an active RMO membership.
If your condo association levies a special assessment on unit owners after a covered loss, loss-assessment coverage pays your share — up to $10,000 on Basic and $50,000 on Premier and Elite. It’s coverage homeowners and renters policies don’t include.
The master policy typically covers the building structure and common areas, but not your unit’s interior, your belongings, your liability, or assessments passed to you. MyCondo covers exactly those gaps.
If you own a condo or co-op unit, MyCondo. If you own a house, MyHomeowners. If you rent, MyRenters. See all three at /personal/security/property-insurance/products/.
Yes — MyCondo covers personal property at replacement cost on every tier, replacing items new rather than at depreciated value.
MyCondo is member-priced with loss assessment and replacement cost standard. See the head-to-heads at /personal/security/condo-insurance/compare/state-farm/, /lemonade/, and /allstate/.
