Shopping Lemonade? Here’s an honest, side-by-side look at how RMO MyRenters compares — on price, coverage, and where each one wins.
Lemonade figures referenced from public 2026 pages and vary by plan, state, and applicant. MyRenters pricing requires an active RMO membership. Prices shown are starting rates; your final quote is provided upon completing an application.
| Feature | RMO MyRenters | Lemonade |
|---|---|---|
| Starting premium | from $9/mo | ~$5 promo / $15 avg |
| Valuation | Replacement cost (all tiers) | Add-on upgrade |
| Liability | $100K–$500K | $100K typical |
| Identity theft | Included (II+) | Add-on |
| Equipment breakdown | Included (IV) | Add-on |
| Deductible | $0–$500 | $250–$500 |
| Loss of use | $5K–$30K | Included |
MyRenters starts at $9/month versus Lemonade's ~$15 average (its $5 figure is a promotional baseline). MyRenters also includes replacement cost and identity coverage that Lemonade charges extra for.
Replacement cost is typically an upgrade on Lemonade. MyRenters includes it on every tier.
MyRenters scales to $500,000; Lemonade's base liability is commonly $100,000.
Both offer digital claims; Lemonade is known for instant app payouts, and MyRenters files through MyRMO.
