Best homeowners insurance plans of 2026.

A plain-English comparison of the homeowners 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 homeowners insurance on their own.

#1 Best Overall

RMO MyHomeowners

Dwelling, belongings, liability and loss of use at replaceme

Starting pricefrom $79/mo
ValuationReplacement cost
DwellingUp to $750K
LiabilityUp to $500K
Scheduled valuablesIncluded (Premier/Elite)

View MyHomeowners plans →

#2 Local Agents

State Farm

Nationwide agent network.

Starting price~$150+/mo
ValuationOptional
Liability$100K–$300K
ValuablesAdd-on

MyHomeowners vs State Farm →

#3 App-First

Lemonade

Fast app-based claims.

Starting price~$25+/mo
ValuationAdd-on
Liability$100K typical
ValuablesAdd-on

MyHomeowners vs Lemonade →

#4 Established Carrier

Travelers

Long-standing carrier.

Starting priceAgent quote
ValuationOptional
Liability$100K–$300K
ValuablesFloater

MyHomeowners vs Travelers →

Side by Side

The full comparison

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

Feature	RMO MyHomeowners	State Farm	Lemonade	Travelers
Starting premium	from $79/mo	~$150+/mo avg	~$25+/mo	Agent quote
Valuation	Replacement cost	Optional	Add-on	Optional
Dwelling coverage	$200K–$750K	By home value	By home value	By home value
Liability	$100K–$500K	$100K–$300K	$100K typical	$100K–$300K
Scheduled valuables	Included (Premier/Elite)	Add-on	Add-on	Add-on / floater
Loss of use	$10K–$50K	Included	Included	Included
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. MyHomeowners 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 real dwelling protectionRebuild your home

Any MyHomeowners tier. Dwelling coverage from $200K to $750K at replacement cost rebuilds your home’s structure after a covered loss. See the tiers →

You own valuable itemsJewelry, electronics, collectibles

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

You rent, not ownTenant coverage

You want MyRenters, not this. Renters insurance is built for tenants — see MyRenters →.

You want replacement costNew-for-old belongings

Any MyHomeowners tier. Replacement cost is standard — many carriers charge to upgrade from depreciated value. MyHomeowners vs State Farm →

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.