Shopping State Farm? Here’s an honest, side-by-side look at how RMO MyHomeowners compares — on price, coverage, and where each one wins.
State Farm 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 | State Farm |
|---|---|---|
| Starting premium | from $79/mo (varies by home) | ~$150+/mo avg |
| Valuation | Replacement cost (all tiers) | Optional upgrade |
| Dwelling coverage | $200K–$750K | Quoted by home value |
| Liability | $100K–$500K | $100K–$300K typical |
| Scheduled valuables | Included (Premier/Elite) | Add-on |
| Loss of use | $10K–$50K | Included |
| Service | RMO membership | Local agent |
MyHomeowners is member-priced starting at $10/month, with final premium based on your home’s value and location. It includes replacement cost as standard, which State Farm typically charges to add.
Yes, on every tier. State Farm offers replacement cost on belongings as an optional upgrade.
Up to $750,000 on MyHomeowners Elite, with other-structures coverage included.
RMO offers its own auto insurance and a membership bundle — ask about combining your policies.
