Shopping Lemonade? Here’s an honest, side-by-side look at how RMO MyHomeowners compares — on price, coverage, and where each one wins.
Lemonade figures referenced from public 2026 pages and vary by plan, state, and applicant. MyHomeowners pricing requires an active RMO membership. Prices shown are starting rates; your final quote is provided upon completing an application.
| Feature | RMO MyHomeowners | Lemonade |
|---|---|---|
| Starting premium | from $79/mo (varies by home) | ~$25+/mo |
| Valuation | Replacement cost (all tiers) | Add-on / option |
| Dwelling coverage | $200K–$750K | Quoted by home value |
| Liability | $100K–$500K | $100K typical |
| Scheduled valuables | Included (Premier/Elite) | Paid add-on |
| Loss of use | $10K–$50K | Included |
| Service | RMO membership | App-first |
MyHomeowners includes scheduled valuables on Premier and Elite. Lemonade typically sells extra valuables coverage as a paid add-on.
Yes on every MyHomeowners tier; on Lemonade it is commonly an option.
From $10/month, with final premium based on your home’s value and location.
$200,000 to $750,000 depending on tier, at replacement cost.
