Protect your home and everything in it — dwelling coverage to $750K, personal liability to $500K, and replacement cost on your belongings, with loss-of-use and scheduled valuables on higher tiers.
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 structure, belongings, liability, and loss of use.
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.
Rebuilds your home’s structure after a covered loss — up to $750,000 at replacement cost, plus other structures like a garage, shed, or fence.
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 home becomes unlivable during a covered repair.
Higher limits for jewelry, electronics, and collectibles on Premier and Elite, so prized items are fully protected.
Comparing options? See our guide to the best homeowners insurance plans of 2026.
Real side-by-side breakdowns on price, coverage, and where each one wins.
State Farm is sold through agents; MyHomeowners is member-priced with replacement cost standard on every tier.
Lemonade is app-first; MyHomeowners includes scheduled valuables and bundles with your RMO membership.
Travelers is a long-standing carrier; MyHomeowners adds member pricing and replacement-cost belongings on every tier.
Coverage built on the strength of your RMO membership.
Coverage that rebuilds your home’s structure — up to $750K at replacement cost — not just your belongings.
Belongings are replaced new rather than paid at depreciated value, so a covered loss doesn’t leave you short.
Homeowners coverage bundled with your RMO membership, with final premium based on your home’s value and location.
MyHomeowners covers your home’s structure (dwelling) and other structures, your belongings at replacement cost, personal liability, loss-of-use living expenses, and scheduled valuables on higher tiers.
MyHomeowners starts at $10/month for Basic, $18 for Plus, $35 for Premier, and $70 for Elite. Final premium varies by your home’s value, location, and coverage limits; all plans require an active RMO membership.
Dwelling coverage runs $200,000 on Basic, $350,000 on Plus, $500,000 on Premier, and $750,000 on Elite, each with other-structures coverage and replacement cost.
Yes — MyHomeowners covers personal property at replacement cost on every tier, replacing items new rather than at depreciated value.
No — MyHomeowners is for homeowners. If you rent, see RMO MyRenters at /personal/security/renters-insurance/products/, built specifically for tenants.
Personal liability runs from $100,000 on Basic up to $500,000 on Premier and Elite, with loss-of-use living expenses included.
MyHomeowners is member-priced with replacement cost standard and scheduled valuables built in. See the head-to-heads at /personal/security/homeowners-insurance/compare/state-farm/, /lemonade/, and /travelers/.
