Protect your property and belongings with RMO insurance products. Whether you own or rent, we have coverage options designed to give you peace of mind.
Comprehensive protection designed for your specific needs.
Protect your home, structures, and personal property against covered perils.
Affordable coverage for your personal belongings, liability, and additional living expenses.
Member rates that help you get quality coverage without overpaying.
Add endorsements for jewelry, electronics, and other high-value items.
Protection built on the strength of your membership.
Coverage for your dwelling, belongings, liability, and additional living expenses.
Combine with auto insurance for multi-policy discounts.
File and track claims digitally for a faster, simpler experience.
Yes. RMO Insurance offers renters insurance as part of the MyProperty product family. Renters insurance protects your personal belongings and provides liability coverage even though you do not own the building you live in. What Renters Insurance Covers: Personal Property: Protection for your belongings (furniture, electronics, clothing, etc.) against covered perils such as fire, theft, vandalism, and water damage. Liability: Coverage if someone is injured in your rental unit or if you accidentally damage someone else's property. Additional Living Expenses: If a covered event makes your rental uninhabitable, the policy helps pay for temporary housing and related costs. Medical…
If your home or personal property has been damaged by a covered event, follow these steps to file a claim through MyRMO. Before Filing: Ensure the safety of everyone in your household. Prevent further damage if it is safe to do so (e.g., cover a broken window, turn off water to a burst pipe). Document all damage thoroughly with photos and video. Do not dispose of damaged items until the claim has been reviewed. Filing Your Claim: Log in to MyRMO and go to "Insurance" then "File a Claim." Select "Property Insurance Claim." Describe the event: date, cause of damage, and a detailed account of what happened. List all damaged or lost items and their estimated value. Upload photos,…
Home protection and homeowners insurance are different products that solve different problems. Most homeowners need both. Homeowners insurance covers sudden, unexpected events: Fire, lightning, windstorm, hail. Theft and vandalism. Liability if someone is injured on your property. Loss of use when your home is uninhabitable after a covered event. Home protection covers normal wear-and-tear breakdowns : HVAC system fails after years of use. Water heater breaks down. Refrigerator stops cooling. Plumbing system develops a leak from age. Electrical components wear out. The simple rule: If a tree falls on your roof, that's homeowners insurance . If your dishwasher dies after 8…
RMO Insurance provides property insurance coverage to protect your home, condo, or rental property through four plan tiers. MyProperty Basic — Covers the structure of your home and personal property against named perils such as fire, windstorm, hail, and theft. Includes basic liability protection. MyProperty Standard — Expands coverage to include additional perils such as water damage (non-flood), falling objects, and weight of ice and snow. Includes higher liability limits and additional living expenses if your home becomes uninhabitable. MyProperty Plus — Provides open-peril coverage for the dwelling (covers all risks except specifically excluded ones) and named-peril coverage for…
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