Which RMO property insurance do I need?

If you own a house, choose MyHomeowners. If you own a condo or co-op unit, choose MyCondo. If you rent, choose MyRenters. Each is a separate product, member-priced through RMO, with its own coverage and pricing.

Part of RMO Insurance →

Property insurance, built for your situation.

Q: What is the difference between homeowners, condo, and renters insurance?

Homeowners insurance (MyHomeowners) covers a house you own, including the structure. Condo insurance (MyCondo) covers a unit you own from the walls in, plus loss assessment, since the association's master policy covers the building shell. Renters insurance (MyRenters) covers your belongings and liability when you rent. RMO offers all three.

Q: How much does RMO property insurance cost?

MyRenters starts at $9/month, MyCondo at $19/month, and MyHomeowners at $79/month. Prices shown are starting monthly rates; your final quote is provided after a completed application based on your property, location, and coverage.

Own a house, own a condo, or rent? RMO has coverage for each — MyHomeowners, MyCondo, and MyRenters. Pick the one that fits and get covered through your membership.

Choose Your Coverage

Three products, one for each situation.

Each is a separate policy with its own coverage and member pricing. Pick the one built for you.

If you own a house

MyHomeowners

Whole-home protection (HO-3).

Dwelling structure to $750K
Belongings at replacement cost
Liability to $500K + loss of use
Scheduled valuables on higher tiers

From $79/mo

View MyHomeowners →

If you own a condo

MyCondo

Walls-in coverage (HO-6).

Walls-in interior & improvements
Loss assessment to $50K
Belongings at replacement cost
Liability to $500K + loss of use

From $19/mo

View MyCondo →

If you rent

MyRenters

Tenant protection (HO-4).

Belongings at replacement cost
Liability to $500K + loss of use
Identity theft & water backup
$0 deductible option

From $9/mo

View MyRenters →

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, unit, and location. Coverage is subject to eligibility, underwriting, and state availability.

Not Sure Which?

A 10-second guide.

You own a house

You’re responsible for the whole structure, so you need dwelling coverage. Go to MyHomeowners →

You own a condo or co-op

Your association’s master policy covers the building shell; you cover the interior, your belongings, liability, and assessments. Go to MyCondo →

You rent your home

Your landlord insures the building; you insure your belongings and liability. Go to MyRenters →

FAQ

Frequently asked questions

What’s the difference between homeowners, condo, and renters insurance?

Homeowners (MyHomeowners) covers a house you own, including the structure. Condo (MyCondo) covers a unit you own from the walls in, plus loss assessment, since the association’s master policy covers the building shell. Renters (MyRenters) covers your belongings and liability when you rent. RMO offers all three.

Which one do I need?

Own a house → MyHomeowners. Own a condo or co-op unit → MyCondo. Renting → MyRenters. Each is a separate product with its own coverage and pricing.

How much does RMO property insurance cost?

MyRenters from $9/mo, MyCondo from $19/mo, and MyHomeowners from $79/mo. Prices shown are starting monthly rates; your final quote is provided after a completed application based on your property, location, and coverage.

Disclosure. This page is general educational information and is not insurance advice, a recommendation, or an offer or solicitation of insurance. Insurance products are offered through RMO Insurance. All coverage is subject to the terms, conditions, limits, deductibles, and exclusions of the issued policy, and policy availability, eligibility, and pricing vary by state and by applicant. Nothing on this page modifies any policy or guarantees coverage — the issued policy governs. Learn more at RMO Insurance.