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  <xs:element id="root_RegulatoryAssetRequirementSpecialDepositsAmortizedCost" abstract="false" name="RegulatoryAssetRequirementSpecialDepositsAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_ShareBasedPaymentArrangementTrancheTwoShortTermMember" abstract="true" name="ShareBasedPaymentArrangementTrancheTwoShortTermMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_OperatingLossCarryforwardsNotSubjectToExpiration" abstract="false" name="OperatingLossCarryforwardsNotSubjectToExpiration" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_OtherInsuranceExpenseMember" abstract="true" name="OtherInsuranceExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_ShareBasedPaymentArrangementTrancheOneShortTermMember" abstract="true" name="ShareBasedPaymentArrangementTrancheOneShortTermMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_RootInsuranceCompanyMember" abstract="true" name="RootInsuranceCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_OtherCertainRestrictedStockUnits3Member" abstract="true" name="OtherCertainRestrictedStockUnits3Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_LeaseholdImprovementsNonCash" abstract="false" name="LeaseholdImprovementsNonCash" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsGross" abstract="false" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsGross" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_AssumedUnearnedPremiums" abstract="false" name="AssumedUnearnedPremiums" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_UnearnedPremiumsGross" abstract="false" name="UnearnedPremiumsGross" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_DebtInstrumentCovenantComplianceMaximumMonthlyCashSpend" abstract="false" name="DebtInstrumentCovenantComplianceMaximumMonthlyCashSpend" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_NonvestedSharesSubjectToRepurchaseMember" abstract="true" name="NonvestedSharesSubjectToRepurchaseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_DebtInstrumentCovenantComplianceInsurancePoliciesIssued" abstract="false" name="DebtInstrumentCovenantComplianceInsurancePoliciesIssued" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="root_ShareBasedCompensationArrangementByShareBasedPaymentAwardBaseNumberOfOptionsIssuable" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardBaseNumberOfOptionsIssuable" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="root_LiabilityForClaimsAndClaimsAdjustmentExpenseGross" abstract="false" name="LiabilityForClaimsAndClaimsAdjustmentExpenseGross" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_CapitalizedComputerSoftwareAmortizationPeriod" abstract="false" name="CapitalizedComputerSoftwareAmortizationPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="root_OperatingLossCarryforwardsSubjectToExpiration" abstract="false" name="OperatingLossCarryforwardsSubjectToExpiration" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_ShareBasedPaymentArrangementTrancheFourLongTermMember" abstract="true" name="ShareBasedPaymentArrangementTrancheFourLongTermMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_CommutationOfCertainAgreementsMember" abstract="true" name="CommutationOfCertainAgreementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_ClassOfWarrantsIssuedAndOutstandingSharesPercentage" abstract="false" name="ClassOfWarrantsIssuedAndOutstandingSharesPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="root_LiabilityForClaimsAndClaimsAdjustmentExpenseLossAndLAEReservesAssumed" abstract="false" name="LiabilityForClaimsAndClaimsAdjustmentExpenseLossAndLAEReservesAssumed" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_DebtInstrumentFloorInterestRate" abstract="false" name="DebtInstrumentFloorInterestRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="root_ShareBasedPaymentArrangementTrancheFourMember" abstract="true" name="ShareBasedPaymentArrangementTrancheFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsCeded" abstract="false" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsCeded" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_EffectiveIncomeTaxOperatingLossCarryforwardsStateAndLocalPercent" abstract="false" name="EffectiveIncomeTaxOperatingLossCarryforwardsStateAndLocalPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="root_ShareBasedCompensationArrangementByShareBasedPaymentAwardIncreaseInNumberOfSharesAvailableForGrantPercentageOfSharesOutstanding" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardIncreaseInNumberOfSharesAvailableForGrantPercentageOfSharesOutstanding" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="root_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsAssumed" abstract="false" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsAssumed" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_CommonStockVotingRightsVotes" abstract="false" name="CommonStockVotingRightsVotes" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="root_TemporaryEquityIssuanceCostRelatingToStockAndWarrant" abstract="false" name="TemporaryEquityIssuanceCostRelatingToStockAndWarrant" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_ShareBasedPaymentArrangementTrancheThreeLongTermMember" abstract="true" name="ShareBasedPaymentArrangementTrancheThreeLongTermMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_InvestmentAgreementTermOfAgreement" abstract="false" name="InvestmentAgreementTermOfAgreement" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="root_WarrantsIssuedExercisePriceTradingDaysWeightedAveragePrice" abstract="false" name="WarrantsIssuedExercisePriceTradingDaysWeightedAveragePrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="root_A2020EquityIncentivePlanMember" abstract="true" name="A2020EquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_GrossWrittenPremiumsMember" abstract="true" name="GrossWrittenPremiumsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_ReinsuranceRecoverableProvisionForLossCorridor" abstract="false" name="ReinsuranceRecoverableProvisionForLossCorridor" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_LiabilityForClaimsAndClaimsAdjustmentExpenseMember" abstract="true" name="LiabilityForClaimsAndClaimsAdjustmentExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_RootPropertyAndCasualtyMember" abstract="true" name="RootPropertyAndCasualtyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_AllOtherStatesMember" abstract="true" name="AllOtherStatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_StandardPoorsAPlusAAMinusRatingMember" abstract="true" name="StandardPoorsAPlusAAMinusRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_TaxCreditCarryforwardNotSubjectToExpiration" abstract="false" name="TaxCreditCarryforwardNotSubjectToExpiration" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseLossAdjustmentExpenseNet" abstract="false" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseLossAdjustmentExpenseNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_DebtSecuritiesAvailableForSaleCurrentMember" abstract="true" name="DebtSecuritiesAvailableForSaleCurrentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_PremiumReceivableCreditLossExpenseReversalAdjustedForASC216" abstract="false" name="PremiumReceivableCreditLossExpenseReversalAdjustedForASC216" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_DebtInstrumentCovenantComplianceMinimumCashAndCashEquivalents" abstract="false" name="DebtInstrumentCovenantComplianceMinimumCashAndCashEquivalents" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseLossesNet" abstract="false" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseLossesNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_RealEstateExitCostsMember" abstract="true" name="RealEstateExitCostsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_LossAndLossAdjustmentExpenseMember" abstract="true" name="LossAndLossAdjustmentExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_CreditRatingConcentrationRiskMember" abstract="true" name="CreditRatingConcentrationRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_DebtSecuritiesAvailableForSaleMember" abstract="true" name="DebtSecuritiesAvailableForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_DebtInstrumentCovenantComplianceAxis" abstract="true" name="DebtInstrumentCovenantComplianceAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="root_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseExchangeOfReinsuranceAgreements" abstract="false" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseExchangeOfReinsuranceAgreements" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_RootIncMember" abstract="true" name="RootIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_OtherInsuranceExpenseIncome" abstract="false" name="OtherInsuranceExpenseIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_CovenantScenario1Member" abstract="true" name="CovenantScenario1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_TechnologyAndDevelopmentExpenseMember" abstract="true" name="TechnologyAndDevelopmentExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_StandardPoorsAAPlusAAAAMinusAMinusOneRatingMember" abstract="true" name="StandardPoorsAAPlusAAAAMinusAMinusOneRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_RootReinsuranceCompanyLtdMember" abstract="true" name="RootReinsuranceCompanyLtdMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_WarrantsToPurchaseCommonStockMember" abstract="true" name="WarrantsToPurchaseCommonStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_OperatingLossAndTaxCreditCarryforwards" abstract="false" name="OperatingLossAndTaxCreditCarryforwards" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_CededCommissionsMaximumAmountDueWithReturnOfUnpaidPremiums" abstract="false" name="CededCommissionsMaximumAmountDueWithReturnOfUnpaidPremiums" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_ShortTermWarrantMember" abstract="true" name="ShortTermWarrantMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_ClassOfWarrantOrRightNumberOfTranches" abstract="false" name="ClassOfWarrantOrRightNumberOfTranches" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="root_OperatingLossAndTaxCreditCarryforwardsSubjectToExpiration" abstract="false" name="OperatingLossAndTaxCreditCarryforwardsSubjectToExpiration" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_DebtInstrumentCovenantComplianceDomain" abstract="true" name="DebtInstrumentCovenantComplianceDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_OtherInsuranceExpenseBenefitMember" abstract="true" name="OtherInsuranceExpenseBenefitMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_TechnologyAndDevelopmentExpense" abstract="false" name="TechnologyAndDevelopmentExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_ReinsuranceScenarioAxis" abstract="true" name="ReinsuranceScenarioAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="root_OperatingLossAndTaxCreditCarryforwardsNotSubjectToExpiration" abstract="false" name="OperatingLossAndTaxCreditCarryforwardsNotSubjectToExpiration" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_TermLoanCMember" abstract="true" name="TermLoanCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_PaymentsForAssetAcquisitions" abstract="false" name="PaymentsForAssetAcquisitions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_ShareBasedPaymentArrangementTrancheFiveLongTermMember" abstract="true" name="ShareBasedPaymentArrangementTrancheFiveLongTermMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_OtherInsuranceExpensePolicyPolicyTextBlock" abstract="false" name="OtherInsuranceExpensePolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="root_TemporaryEquityAndStockholdersEquityNoteDisclosureTextBlock" abstract="false" name="TemporaryEquityAndStockholdersEquityNoteDisclosureTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="root_A2020EmployeeStockPurchasePlanMember" abstract="true" name="A2020EmployeeStockPurchasePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_OtherCertainRestrictedStockUnits1Member" abstract="true" name="OtherCertainRestrictedStockUnits1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_TaxCreditCarryforwardSubjectToExpiration" abstract="false" name="TaxCreditCarryforwardSubjectToExpiration" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_ConversionOfStock" abstract="false" name="ConversionOfStock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="root_CorporateHeadquartersMember" abstract="true" name="CorporateHeadquartersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_APICShareBasedPaymentArrangementRecognitionAndExerciseShares" abstract="false" name="APICShareBasedPaymentArrangementRecognitionAndExerciseShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="root_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseAbstract" abstract="true" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="root_ShareBasedPaymentArrangementTrancheOneLongTermMember" abstract="true" name="ShareBasedPaymentArrangementTrancheOneLongTermMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_GainLossOnLeaseModification" abstract="false" name="GainLossOnLeaseModification" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_PurchaseObligationToBePaidAfterYearFour" abstract="false" name="PurchaseObligationToBePaidAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_PaymentOfInterestPaidInKindOperatingActivities" abstract="false" name="PaymentOfInterestPaidInKindOperatingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_ShareBasedPaymentArrangementTrancheThreeShortTermMember" abstract="true" name="ShareBasedPaymentArrangementTrancheThreeShortTermMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_IncreaseDecreaseInOperatingLeasesAssetsAndLiabilities" abstract="false" name="IncreaseDecreaseInOperatingLeasesAssetsAndLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_ClassOfWarrantOrRightGrantDateFairValuePerShare" abstract="false" name="ClassOfWarrantOrRightGrantDateFairValuePerShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="root_StandardPoorsBBBPlusBBBBBBMinusRatingMember" abstract="true" name="StandardPoorsBBBPlusBBBBBBMinusRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_SeriesAConvertiblePreferredStockMember" abstract="true" name="SeriesAConvertiblePreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_ShareBasedCompensationArrangementByShareBasedPaymentAwardStockPriceConsecutiveTradingDays" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardStockPriceConsecutiveTradingDays" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="root_RegulatoryAssetRequirementSpecialDepositsFairValue" abstract="false" name="RegulatoryAssetRequirementSpecialDepositsFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_CovenantScenario2Member" abstract="true" name="CovenantScenario2Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_ProceedsFromIssuanceOfLongTermDebtAndWarrants" abstract="false" name="ProceedsFromIssuanceOfLongTermDebtAndWarrants" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_MonteCarloValuationMember" abstract="true" name="MonteCarloValuationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_ScheduleOfCapitalizedComputerSoftwareTableTextBlock" abstract="false" name="ScheduleOfCapitalizedComputerSoftwareTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="root_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfAdditionalSharesAuthorizedAnnualIncreaseOutstandingShares" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfAdditionalSharesAuthorizedAnnualIncreaseOutstandingShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="root_UnaffiliatedTexasCountyMutualInsuranceCompanyMember" abstract="true" name="UnaffiliatedTexasCountyMutualInsuranceCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_FairValueOfWarrantsPercentage" abstract="false" name="FairValueOfWarrantsPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="root_UnearnedPremiumsNet" abstract="false" name="UnearnedPremiumsNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_AuditInformationAbstract" abstract="true" name="AuditInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="root_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsTargetSharePrice" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsTargetSharePrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="root_ShareBasedPaymentArrangementTrancheTwoLongTermMember" abstract="true" name="ShareBasedPaymentArrangementTrancheTwoLongTermMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_EffectiveIncomeTaxOperatingLossCarryforwardsStateAndLocalAmount" abstract="false" name="EffectiveIncomeTaxOperatingLossCarryforwardsStateAndLocalAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_RootPropertyCasualtyInsuranceCompanyMember" abstract="true" name="RootPropertyCasualtyInsuranceCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_ExercisePriceRangeThreeMember" abstract="true" name="ExercisePriceRangeThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_ExercisePriceRangeTwoMember" abstract="true" name="ExercisePriceRangeTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_LongTermWarrantMember" abstract="true" name="LongTermWarrantMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="root_TemporaryEquityStockIssuedDuringPeriodSharesNewIssues" abstract="false" name="TemporaryEquityStockIssuedDuringPeriodSharesNewIssues" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
</xs:schema>
