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  <xs:element id="root_A2020EquityIncentivePlanMember" abstract="true" name="A2020EquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_A2020EmployeeStockPurchasePlanMember" abstract="true" name="A2020EmployeeStockPurchasePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_ShareBasedCompensationArrangementByShareBasedPaymentAwardIncreaseInNumberOfSharesAvailableForGrantPercentageOfSharesOutstanding" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardIncreaseInNumberOfSharesAvailableForGrantPercentageOfSharesOutstanding" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="root_ShareBasedCompensationArrangementByShareBasedPaymentAwardBaseNumberOfOptionsIssuable" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardBaseNumberOfOptionsIssuable" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="root_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfAdditionalSharesAuthorizedAnnualIncreaseOutstandingShares" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfAdditionalSharesAuthorizedAnnualIncreaseOutstandingShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <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_ShareBasedPaymentArrangementTrancheFiveMember" abstract="true" name="ShareBasedPaymentArrangementTrancheFiveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_ClassOfWarrantOrRightGrantDateFairValuePerShare" abstract="false" name="ClassOfWarrantOrRightGrantDateFairValuePerShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="root_LiabilityForClaimsAndClaimsAdjustmentExpenseMember" abstract="true" name="LiabilityForClaimsAndClaimsAdjustmentExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_OtherInsuranceExpenseMember" abstract="true" name="OtherInsuranceExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_TechnologyAndDevelopmentExpenseMember" abstract="true" name="TechnologyAndDevelopmentExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_NetInvestmentIncomeMember" abstract="true" name="NetInvestmentIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_ServiceBasedRestrictedStockUnitMember" abstract="true" name="ServiceBasedRestrictedStockUnitMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_ExercisePriceRangeOneMember" abstract="true" name="ExercisePriceRangeOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_ExercisePriceRangeTwoMember" abstract="true" name="ExercisePriceRangeTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_ExercisePriceRangeThreeMember" abstract="true" name="ExercisePriceRangeThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_ServiceBasedRestrictedStockUnitsMember" abstract="true" name="ServiceBasedRestrictedStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_EarningsPerShareBasicAndDilutedEPSAbstract" abstract="true" name="EarningsPerShareBasicAndDilutedEPSAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="root_NonvestedSharesSubjectToRepurchaseMember" abstract="true" name="NonvestedSharesSubjectToRepurchaseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_WarrantsToPurchaseCommonStockMember" abstract="true" name="WarrantsToPurchaseCommonStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_AllOtherStatesMember" abstract="true" name="AllOtherStatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_GrossWrittenPremiumsMember" abstract="true" name="GrossWrittenPremiumsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_ReceivableFromSubsidiaries" abstract="false" name="ReceivableFromSubsidiaries" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_NetIncomeLossAttributableToParentBeforeIncomeLossFromSubsidiariesNetOfTax" abstract="false" name="NetIncomeLossAttributableToParentBeforeIncomeLossFromSubsidiariesNetOfTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_NetIncomeLossAttributableToParentBeforeIncomeLossFromSubsidiariesAfterTax" abstract="false" name="NetIncomeLossAttributableToParentBeforeIncomeLossFromSubsidiariesAfterTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_OtherComprehensiveIncomeLossFromSubsidiariesNetOfTax" abstract="false" name="OtherComprehensiveIncomeLossFromSubsidiariesNetOfTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_ProceedsFromDividendsFromSubsidiariesInvestingActivities" abstract="false" name="ProceedsFromDividendsFromSubsidiariesInvestingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_CaretHoldingsInc.Member" abstract="true" name="CaretHoldingsInc.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_RootInsuranceAgencyLLCMember" abstract="true" name="RootInsuranceAgencyLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_JonathanAllisonMember" abstract="true" name="JonathanAllisonMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_MahtiyarBonakdarpourMember" abstract="true" name="MahtiyarBonakdarpourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_DouglasUlmanMember" abstract="true" name="DouglasUlmanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_AlexanderTimmMember" abstract="true" name="AlexanderTimmMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="root_MeganBinkleyMember" abstract="true" name="MeganBinkleyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
