Protect your stuff and yourself with replacement-cost coverage on every tier, personal liability up to $500,000, and $0 deductible options — plus identity restoration and equipment breakdown built in on higher tiers.
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, location, age, or pet details). Coverage is subject to eligibility, underwriting, and state availability.
RMO Property Insurance covers all three — separate products, each built for its situation.
If you own a house: dwelling, belongings, liability, and loss of use, from $79/mo.
If you own a condo: walls-in interior, belongings, liability, and loss assessment, from $19/mo.
If you rent: your belongings, liability, and loss of use.
Real coverage, without the gotchas the big carriers bury in the fine print.
We pay to replace your belongings new — not the depreciated cash value many base policies default to.
Personal liability and guest-medical protection that scales to $500K, so a lawsuit or injury claim doesn't fall on you.
MyRenters IV drops the deductible to $0, so a covered loss doesn't start with an out-of-pocket bill.
Identity theft, water backup, pet damage, and equipment breakdown are included on higher tiers — not nickel-and-dimed as add-ons.
Comparing options? See our guide to the best renters insurance plans of 2026.
Real side-by-side breakdowns on price, coverage, and where each one wins.
Lemonade is app-first but adds replacement cost and extras as upgrades; MyRenters includes replacement cost on every tier.
State Farm averages ~$13/mo; MyRenters starts at $9 with replacement cost and identity coverage built in.
Geico advertises low rates but brokers the policy out; MyRenters is member-priced with extras included.
Coverage built on the strength of your RMO membership.
Every MyRenters tier pays replacement cost, so a stolen 5-year-old laptop is replaced new — not paid out at its depreciated value.
Up to $500,000 in personal liability and guest medical, protecting you if someone's hurt or you're sued.
Identity restoration, water backup, pet damage, and equipment breakdown come built into the higher tiers instead of paid riders.
MyRenters covers your personal belongings (at replacement cost), personal liability, loss-of-use living expenses, and guest medical. Higher tiers add identity theft/restoration, water backup, scheduled valuables, pet damage, and equipment breakdown.
MyRenters starts at $9/month for Essential, $15 for Plus, $22 for Premier, and $32 for Total. All plans require an active RMO membership.
Replacement cost on every tier — we pay to replace items new rather than at depreciated value. Many base renters policies default to actual cash value unless you pay more.
Personal liability runs $100,000 on Essential up to $500,000 on Premier and Total, with guest-medical coverage included.
Deductibles are $500 on Essential, $250 on Plus, $100 on Premier, and $0 on Total. Liability and guest-medical claims have no deductible.
Yes — identity theft coverage is included from MyRenters II, and MyRenters IV adds full-service identity restoration.
MyRenters undercuts their typical premiums, includes replacement cost on every tier, and builds in extras they often charge for. See the head-to-heads at /personal/security/renters-insurance/compare/lemonade/, /state-farm/, and /geico/.
