Shopping Travelers? Here’s an honest, side-by-side look at how RMO MyHomeowners compares — on price, coverage, and where each one wins.
Travelers 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 | Travelers |
|---|---|---|
| Starting premium | from $79/mo (varies by home) | Agent quote |
| Valuation | Replacement cost (all tiers) | Optional |
| Dwelling coverage | $200K–$750K | Quoted by home value |
| Liability | $100K–$500K | $100K–$300K |
| Scheduled valuables | Included (Premier/Elite) | Add-on / floater |
| Loss of use | $10K–$50K | Included |
| Service | RMO membership | Independent agent |
MyHomeowners is member-priced and bundled with your RMO membership, with replacement cost and scheduled valuables built into higher tiers. Travelers is quoted through independent agents.
Yes on every MyHomeowners tier; Travelers commonly offers it as an option.
$200,000 to $750,000 across the four tiers.
Yes — living expenses if your home is unlivable during a covered repair, on every tier.
