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  <xs:element id="root_StockIssuedDuringPeriodSharesConversionOfCommonStock" abstract="false" name="StockIssuedDuringPeriodSharesConversionOfCommonStock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <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_SunTrustBankHuntingtonNationalBankSiliconValleyBankMember" abstract="true" name="SunTrustBankHuntingtonNationalBankSiliconValleyBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_TermLoanAMember" abstract="true" name="TermLoanAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_IncrementalTermLoanMember" abstract="true" name="IncrementalTermLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum: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_RecognitionOfTreasuryStockMember" abstract="true" name="RecognitionOfTreasuryStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_AmendedTermLoanBMember" abstract="true" name="AmendedTermLoanBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_ShareBasedCompensationArrangementByShareBasedPaymentAwardBaseNumberOfOptionsIssuable" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardBaseNumberOfOptionsIssuable" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="root_APICTenderOfferAndConversionOfUnitsValue" abstract="false" name="APICTenderOfferAndConversionOfUnitsValue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_ProceedsFromSimpleAgreementForFutureEquity" abstract="false" name="ProceedsFromSimpleAgreementForFutureEquity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_StandardPoorsBBBPlusBBBBBBMinusRatingMember" abstract="true" name="StandardPoorsBBBPlusBBBBBBMinusRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_LineOfCreditFacilityFrontingFeePercentage" abstract="false" name="LineOfCreditFacilityFrontingFeePercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="root_TermLoanBMember" abstract="true" name="TermLoanBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_OtherInsuranceExpensePolicyPolicyTextBlock" abstract="false" name="OtherInsuranceExpensePolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <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_DeferredTaxAssetsDebtIssuanceCostsAndDiscount" abstract="false" name="DeferredTaxAssetsDebtIssuanceCostsAndDiscount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_LineOfCreditFacilityFeeOnAverageDailyAmountPercentage" abstract="false" name="LineOfCreditFacilityFeeOnAverageDailyAmountPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="root_AssetAcquisitionLineItems" abstract="true" name="AssetAcquisitionLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="root_IncreaseDecreaseInIntercompanyAssetsAndLiabilitiesNet" abstract="false" name="IncreaseDecreaseInIntercompanyAssetsAndLiabilitiesNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_SeriesA3PreferredStockMember" abstract="true" name="SeriesA3PreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_OtherInsuranceExpenseMember" abstract="true" name="OtherInsuranceExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_DeferredTaxAssetsNondeductibleAccruals" abstract="false" name="DeferredTaxAssetsNondeductibleAccruals" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_AssetAcquisitionDomain" abstract="true" name="AssetAcquisitionDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_ClassOfWarrantOrRightFairValuePricePerShare" abstract="false" name="ClassOfWarrantOrRightFairValuePricePerShare" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:perShareItemType"/>
  <xs:element id="root_AssetAcquisitionRecognizedIdentifiableAssetsAcquiredCashCashEquivalentsAndInvestmentIncome" abstract="false" name="AssetAcquisitionRecognizedIdentifiableAssetsAcquiredCashCashEquivalentsAndInvestmentIncome" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" 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_SeriesA2PreferredStockMember" abstract="true" name="SeriesA2PreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_StockIssuedDuringPeriodSharesWarrantsExercised" abstract="false" name="StockIssuedDuringPeriodSharesWarrantsExercised" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="root_UnvestedSharesAcceptedForSettlementOfLoanMember" abstract="true" name="UnvestedSharesAcceptedForSettlementOfLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_IncrementalShareBasedCompensationCostMember" abstract="true" name="IncrementalShareBasedCompensationCostMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum: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_LoansAndLeasesReceivableRelatedPartiesAccruedInterestPercentage" abstract="false" name="LoansAndLeasesReceivableRelatedPartiesAccruedInterestPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="root_IntercompanyReceivable" abstract="false" name="IntercompanyReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfAdditionalSharesAuthorizedAnnualIncreaseOutstandingShares" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfAdditionalSharesAuthorizedAnnualIncreaseOutstandingShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <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_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseLossAdjustmentExpenseNet" abstract="false" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseLossAdjustmentExpenseNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_WellsFargoBarclaysMorganStanleyAndDeutscheBankMember" abstract="true" name="WellsFargoBarclaysMorganStanleyAndDeutscheBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <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_LoansAndLeasesReceivableRelatedPartiesNonRecoursePortionPercentage" abstract="false" name="LoansAndLeasesReceivableRelatedPartiesNonRecoursePortionPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="root_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseAbstract" abstract="true" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="root_ExercisePriceRangeTwoMember" abstract="true" name="ExercisePriceRangeTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_CapitalizedComputerSoftwareAmortizationPeriod" abstract="false" name="CapitalizedComputerSoftwareAmortizationPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="root_AmendedTermLoanAMember" abstract="true" name="AmendedTermLoanAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_ExtinguishmentOfRelatedPartyLoanAndAccruedInterestMember" abstract="true" name="ExtinguishmentOfRelatedPartyLoanAndAccruedInterestMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <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_CommonStockVotingRightsVotes" abstract="false" name="CommonStockVotingRightsVotes" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="root_WarrantsAndRightsOutstandingFairValueDisclosurePerShare" abstract="false" name="WarrantsAndRightsOutstandingFairValueDisclosurePerShare" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:perShareItemType"/>
  <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_StandardPoorsAAPlusAAAAMinusAMinusOneRatingMember" abstract="true" name="StandardPoorsAAPlusAAAAMinusAMinusOneRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_VestedSharesAcceptedForSettlementOfLoanMember" abstract="true" name="VestedSharesAcceptedForSettlementOfLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_LoansReceivableWeightedAverageInterestRateMember" abstract="true" name="LoansReceivableWeightedAverageInterestRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_NumberOfStatesInWhichEntityOperatesAutoPoliciesWritten" abstract="false" name="NumberOfStatesInWhichEntityOperatesAutoPoliciesWritten" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="root_CededPremiumsEarnedPercentageOfDirectEarnedPremiums" abstract="false" name="CededPremiumsEarnedPercentageOfDirectEarnedPremiums" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="root_BookOverdraftPolicyPolicyTextBlock" abstract="false" name="BookOverdraftPolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="root_ExercisePriceRangeOneMember" abstract="true" name="ExercisePriceRangeOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_ReinsuranceRecoverableProvisionForSlidingScaleCommission" abstract="false" name="ReinsuranceRecoverableProvisionForSlidingScaleCommission" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_ExercisePriceRangeThreeMember" abstract="true" name="ExercisePriceRangeThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum: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_ClassOfWarrantOrRightRateOfReturnPercent" abstract="false" name="ClassOfWarrantOrRightRateOfReturnPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="root_TenderOfferMember" abstract="true" name="TenderOfferMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_SeriesE1PreferredStockMember" abstract="true" name="SeriesE1PreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_CatlinIndemnityCompanyMember" abstract="true" name="CatlinIndemnityCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_AllOtherStatesMember" abstract="true" name="AllOtherStatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <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_RootPropertyAndCasualtyMember" abstract="true" name="RootPropertyAndCasualtyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_A2020EquityIncentivePlanMember" abstract="true" name="A2020EquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_LiabilityForClaimsAndClaimsAdjustmentExpenseMember" abstract="true" name="LiabilityForClaimsAndClaimsAdjustmentExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_AssetAcquisitionRecognizedIdentifiableAssetsAcquiredIndefiniteLivedIntangibleAssets" abstract="false" name="AssetAcquisitionRecognizedIdentifiableAssetsAcquiredIndefiniteLivedIntangibleAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_DebtSecuritiesAvailableForSaleCurrentMember" abstract="true" name="DebtSecuritiesAvailableForSaleCurrentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_AssetAcquisitionPolicyPolicyTextBlock" abstract="false" name="AssetAcquisitionPolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="root_TemporaryEquityStockIssuedDuringPeriodValueConversionOfPreferredStock" abstract="false" name="TemporaryEquityStockIssuedDuringPeriodValueConversionOfPreferredStock" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_FeeAndOtherIncomePolicyPolicyTextBlock" abstract="false" name="FeeAndOtherIncomePolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="root_CreditRatingConcentrationRiskMember" abstract="true" name="CreditRatingConcentrationRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_TreasuryStockAcquiredNonCash" abstract="false" name="TreasuryStockAcquiredNonCash" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_TemporaryEquityStockIssuedDuringPeriodSharesConversionOfPreferredStock" abstract="false" name="TemporaryEquityStockIssuedDuringPeriodSharesConversionOfPreferredStock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="root_AssetAcquisitionAxis" abstract="true" name="AssetAcquisitionAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="root_CustomersAcquiredThroughMobileApplicationsPercentage" abstract="false" name="CustomersAcquiredThroughMobileApplicationsPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="root_ReallocatedTermLoanAMember" abstract="true" name="ReallocatedTermLoanAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_NumberOfStatesInWhichEntityOperatesRentersInsurancePoliciesWritten" abstract="false" name="NumberOfStatesInWhichEntityOperatesRentersInsurancePoliciesWritten" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="root_OtherCertainRestrictedStockUnits3Member" abstract="true" name="OtherCertainRestrictedStockUnits3Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_TemporaryEquityAndStockholdersEquityNoteDisclosureTextBlock" abstract="false" name="TemporaryEquityAndStockholdersEquityNoteDisclosureTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <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_StockholdersEquityValueSettlementOfRelatedPartyLoan" abstract="false" name="StockholdersEquityValueSettlementOfRelatedPartyLoan" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_TemporaryEquityStockIssuedDuringPeriodValueConversionOfSimpleAgreementForFutureEquity" abstract="false" name="TemporaryEquityStockIssuedDuringPeriodValueConversionOfSimpleAgreementForFutureEquity" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_StockholdersEquitySharesSettlementOfRelatedPartyLoan" abstract="false" name="StockholdersEquitySharesSettlementOfRelatedPartyLoan" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="root_ScheduleOfCapitalizedComputerSoftwareTableTextBlock" abstract="false" name="ScheduleOfCapitalizedComputerSoftwareTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="root_ConvertiblePreferredStockSharesIssuableUponConversion" abstract="false" name="ConvertiblePreferredStockSharesIssuableUponConversion" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="root_SeriesA1PreferredStockMember" abstract="true" name="SeriesA1PreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_ShareBasedPaymentArrangementNoncashExpenseTenderOffer" abstract="false" name="ShareBasedPaymentArrangementNoncashExpenseTenderOffer" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_LoansAndLeasesReceivableRelatedPartiesRecoursePortionPercentage" abstract="false" name="LoansAndLeasesReceivableRelatedPartiesRecoursePortionPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="root_APICTenderOfferAndConversionOfUnitsShares" abstract="false" name="APICTenderOfferAndConversionOfUnitsShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="root_TechnologyAndDevelopmentExpenseMember" abstract="true" name="TechnologyAndDevelopmentExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_UnearnedPremiumsNetAbstract" abstract="true" name="UnearnedPremiumsNetAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="root_TemporaryEquityStockIssuedDuringPeriodSharesConversionOfSimpleAgreementForFutureEquity" abstract="false" name="TemporaryEquityStockIssuedDuringPeriodSharesConversionOfSimpleAgreementForFutureEquity" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="root_DirectWrittenPremiumsMember" abstract="true" name="DirectWrittenPremiumsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_SeriesCPreferredStockNonVotingMember" abstract="true" name="SeriesCPreferredStockNonVotingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <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_StandardPoorsAPlusAAMinusRatingMember" abstract="true" name="StandardPoorsAPlusAAMinusRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="root_OtherCertainRestrictedStockUnits1Member" abstract="true" name="OtherCertainRestrictedStockUnits1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <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_FairValueAdjustmentSimpleAgreementForFutureEquity" abstract="false" name="FairValueAdjustmentSimpleAgreementForFutureEquity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="root_RelatedPartyTransactionShares" abstract="false" name="RelatedPartyTransactionShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="root_NumberOfStatesInWhichEntityOperatesHomeOwnersInsurancePoliciesWritten" abstract="false" name="NumberOfStatesInWhichEntityOperatesHomeOwnersInsurancePoliciesWritten" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
</xs:schema>
