Shopping State Farm? Here’s an honest, side-by-side look at how RMO MyRenters compares — on price, coverage, and where each one wins.
State Farm 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 | State Farm |
|---|---|---|
| Starting premium | from $9/mo | ~$13/mo avg |
| Valuation | Replacement cost (all tiers) | Replacement cost optional |
| Liability | $100K–$500K | $100K typical |
| Identity restoration | Included (IV) | Optional add-on |
| Deductible | $0–$500 | $250–$1,000 |
| Water backup | Included (II+) | Add-on |
| Claims | MyRMO app | Agent + app |
MyRenters starts at $9/month versus State Farm's ~$13 average. MyRenters also includes replacement cost and (on higher tiers) identity and water-backup coverage.
State Farm offers replacement cost as an option; MyRenters includes it on every tier.
State Farm offers auto bundling through agents. RMO offers its own auto insurance and membership bundle — ask about combining.
MyRenters offers $0 to $500; State Farm deductibles commonly start higher.
