Comparing State Farm homeowners or renters insurance? Here’s an honest look at how RMO MyProperty stacks up — on coverage, member benefits, and the agent question.
Property insurance pricing depends so much on where you live, what you’re insuring, and your coverage preferences that any side-by-side number is at best directional.
Where the two companies are similar — and where they meaningfully differ.
| Feature | RMO MyProperty | State Farm Property |
|---|---|---|
| Plan Tiers | MyProperty Basic, Plus, Premier, Elite | Renters, Homeowners (HO-3), Condo, Manufactured Home, etc. |
| Renters Coverage | Yes — MyProperty Basic and up | Yes |
| Homeowners Coverage | Yes — MyProperty Plus and up | Yes — HO-3 standard, with riders for replacement cost, jewelry, etc. |
| Liability Coverage | Included; higher limits at Premier and Elite | Included; high-limit umbrella available |
| Local Agent Network | RMO Retail Centers + member services team | Yes — nationwide State Farm agent network |
| Quoting | Online quote through member portal | Online or via your State Farm agent |
| Claims Process | Digital service requests through RMO Insurance | Phone, app, online, or through your agent |
| Multi-Policy Bundle Discount | RMO bundles MyProperty with MyAuto, electronics, banking, more | Yes — State Farm offers home + auto bundle discounts |
| State Availability | Varies — check current availability | Nearly every US state |
| Membership Required | Yes — RMO membership | No membership needed |
| Starting Price | From $10/mo (MyProperty Basic) | Varies widely by state and coverage |
Coverage details summarized for comparison. Specific covered perils, limits, exclusions, deductibles, and pricing vary by state and individual quote.
Coverage limits and liability protection scale up across MyProperty tiers. Membership level required is shown for each plan.
Requires MyMembership I
Requires MyMembership I
Requires MyMembership II
Requires MyMembership III
Prices reflect current monthly rate cards and do not include the cost of RMO membership. Final premium depends on your state, address, coverage limits, deductible, and other factors.
Both providers are solid for property coverage. Here’s where each tends to win.
Join RMO to access MyProperty plus dozens of other member benefits.
Pick a MyProperty tier and request a quote based on your home, coverage limits, and deductible.
Once your MyProperty policy is bound, contact your State Farm agent to cancel. They typically issue a prorated refund.
Property insurance availability and pricing vary by state. Get a quote through RMO membership to see what’s available where you live. State Farm operates in nearly every US state through its agent network.
RMO offers digital policy access and a member-services team rather than the State Farm agent model. RMO Retail Centers provide in-person service for membership and broader product needs, but State Farm’s nationwide agent network is more extensive for property insurance specifically.
Yes — both providers offer multi-product bundling. RMO bundles MyProperty with MyAuto and other RMO products under one membership. State Farm offers multi-policy discounts when you bundle home and auto with them.
State Farm offers specific products for manufactured home, condo association, farm, and ranch coverage. RMO MyProperty’s tier-based product is broader — if you have a non-standard property type, confirm coverage during the quote process before switching.
Maybe — depends on your state, home, coverage limits, and deductible. The only way to know is to quote both with identical coverage parameters and compare the actual numbers. Don’t rely on advertised starting prices.
Get a MyProperty quote and bind the new policy. Once your RMO coverage is active, contact your State Farm agent to cancel — they typically issue a prorated refund. We recommend overlapping coverage for one day so you’re never uncovered.
Join RMO and access property insurance that bundles with the rest of your member benefits.
