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Everybody knows about the importance of physical hygiene—wash your hands, brush your teeth, shower often, comb your hair, and so on. But not much discussion is given to mental health hygiene: the knowledge and skills required to maintain mental well-being. According to the Mental Health Commission of Canada, mental health is:

A state of well-being in which the individual realizes his or her own potential, can cope with the normal stresses of life, can work productively and fruitfully, and is able to make a contribution to her or his own community.

Mental self-care is important

If you want to live your best life, you need to tend to your emotional, psychological and social well-being. “In order to meet the demands of life, you need to be able to use your brain to the best of your capacity in the present moment. This will allow you to make good decisions and respond appropriately to stressors, instead of reacting with your fight-or-flight response,” says Marie Claire Bourque, MD, psychiatrist and clinical assistant professor, University of Calgary.

Be proactive about your mental health

According to the Canadian Community Health Survey, one-third of the Canadian population (approximately 9.1 million people) will be affected by a mental illness at some point during their lives. Don’t wait until you have symptoms before taking the first step. Experts recommend four practices to help protect your mental well-being.

1. Practice mindfulness

Studies show that the practice of mindfulness can be effective in reducing anxiety, depression and stress. Mindfulness is a kind of meditation whereby you become completely present—not focused on the past or the future. “Mindfulness is a state of being. You can be mindful when cooking, walking, brushing your teeth. It is, very simply, a state of complete awareness of the present moment without judgment,” says Dr. Bourque.

Mindfulness tips from the professionals:

  • Take a moment to stop and notice with all five senses what is going on around you.
  • Close your eyes and focus on your breath. If thoughts come, simply notice, and then bring your awareness back to the breath.
  • Sit or lie comfortably and mentally scan your body. Focus on what each part is feeling. If one part feels tense, relax the muscle.
  • Walk outside in nature and tune into the sights, sounds and smells.
2. Exercise

If you want to ward off the blues or reduce stress and anxiety, exercise should be at the top of your list. One study in the International Journal of Psychiatry showed that exercise “compares favorably to antidepressant medications as a first-line treatment for mild to moderate depression and has also been shown to improve depressive symptoms when used as an adjunct to medications.”

Why? Anxiety Canada points out that getting your heart pumping releases those feel-good endorphins, boosts your self-confidence, promotes being social, lowers stress, helps you sleep better and improves your physical health.

You don’t have to be a fitness expert to reap the exercise rewards. Try these, say the experts:

  • Exercise doesn’t have to be 30 consecutive minutes. You can take five or 10- minute breaks throughout the day to get your heart rate up.
  • Dance, go for a walk or bike ride, or practice yoga to a video or a Zoom class.
  • Get creative. Walk around while talking on the phone. Take the stairs instead of the elevator. Bike to run errands. Toss a frisbee with your dog.
3. Express gratitude

“When you express gratitude, your brain rewards you by releasing feel -good neurotransmitters dopamine, and serotonin, and a little of the hormone oxytocin,” says Dr. Bourque.

How can you do this?

  • Journal daily about all the things in your life you appreciate.
  • Create a family dinner ritual in which each member expresses one thing they are grateful for.
  • Express thanks to other people. For example, if you see a waitress or postal worker who is running ragged, say, “Thanks for working so hard.”
  • If you meditate, end every session by thinking of what you are grateful for and sit with that for a few minutes.
  • Post the word “gratitude” somewhere in your house or office; whenever you see it, take a moment to think about it.
4. Sleep well

This may be the most critical part of all, says Dr. Bourque. Your brain cannot function properly without adequate sleep. Just as your body needs to rest after physical exertion, your brain needs sleep to recover and process the day’s events. Need more convincing? Recommendations from sleep hygiene experts:

  • Don’t fall for the hype. There is a tendency these days for people to brag about how little they sleep, to prove how hard they work. The thing is, according to the National Sleep Foundation (NSF), getting adequate sleep makes you more productive, not less. It may prevent burnout, help you recover faster from distractions, enable you to make better decisions, and bolster your memory.
  • Avoid caffeine and alcohol in the hours before bedtime. The NSF notes that it takes six hours for your body to process half the caffeine you took in. And contrary to general perception, alcohol may actually disrupt sleep.
  • Turn off your screens close to bedtime. The bright lights interrupt your natural circadian rhythm by signaling to your body that it’s time to be awake.
  • Create a bedtime routine and stick to it.
  • Bedtime is an excellent time to practice your mindfulness techniques.
  • If you have severe sleep issues, see a sleep medicine physician.

Disclaimer: Experts caution not to begin a new exercise regimen without first consulting your doctor or a health professional; this piece represents general advice.

Warning signs that you should seek professional psychological help

According to the Mental Health Commission of Canada, “Unlike other health conditions, only one in three people who experience a mental health problem or illness report that they have sought and received services and treatment.”

According to MentalHealth.gov, pay attention if you experience:

  • Sleeping too little or too much
  • Withdrawing from your usual social outlets or relationships
  • Feeling listless, numb, helpless or hopeless
  • An increase in smoking, drinking or taking drugs
  • Mood swings, irritability or uncontrolled anger
  • Anxiety or depression
  • Urges to self-harm
  • Inability to perform daily tasks

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*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

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In the early days of the pandemic, Leah took part in countless virtual events to make up for her once-busy social life. Whether it was a fitness class, a book club, a dinner party or a games night, she logged on to video calls with friends and family to socialize as much as she could. But after working from home on her laptop all day, she finds her constant screen time less rewarding. Now she feels stressed about committing to virtual events outside of work.

“It makes me anxious to spend more time on my phone or laptop,” she said. “I feel like I’m completely absorbed online. I know so many people are going through such a hard time right now,” she says. “But I know I’ve been minimizing how I feel for a while now.”

Increased screen time and mental health

The blurred lines of work-life balance mean many people are spending more hours a day alone, online, and inside. Increased screen time may have an adverse effect on mental health — particularly during the COVID-19 pandemic. Decreasing screen time or maintaining pre-pandemic levels may help maintain mental health according to a Statistics Canada study from July.

Even those who have managed to pick up new self-care activities during the first wave of the pandemic may find it increasingly difficult to stay mentally healthy. For Leah, a non-stop virtual social schedule meant she was sacrificing many of the things important for maintaining her mental health and well-being.

“I started to realize that it was the simple things that brought me the most joy,” she said.

Acknowledgment is the first step

It may sound like a simple thing, but acknowledging that there might be a problem with your own, or a loved one’s, mental health may be an important first step towards improvement.

When Leah started to realize the toll of a her virtual social life and increased screen time on her mental health, she took her first step by reaching out to a friend by phone as opposed to on a video call.

“Sometimes I just can’t bear to look at the screen — even if it’s to talk with a friend.” She adds they sometimes talk about their moods if either of them is having a hard day, which helps lift some of the stigma surrounding mental health.

“It’s helpful to know that everyone is going through this in one way or another,” she says. “Sometimes just talking about it can make a huge difference. I also found it made a difference to be out in nature and talk to someone.”

Learning more about mental well-being

Mental health struggles and loneliness can affect anyone. It’s normal to have good days and bad days, but prolonged periods of stress, anxiety, or feeling isolated could mean it’s time to focus on your or a loved one’s mental well-being.

Learning about mental health can help build a foundation for better mental well-being. There are also a number of ways to get help for yourself or a loved one, including through digital wellness programs and virtual counselling services.

Warning signs that you should seek professional psychological help

According to the Mental Health Commission of Canada, “Unlike other health conditions, only one in three people who experience a mental health problem or illness report that they have sought and received services and treatment.”

According to MentalHealth.gov, pay attention if you experience:

  • Sleeping too little or too much
  • Withdrawing from your usual social outlets or relationships
  • Feeling listless, numb, helpless or hopeless
  • An increase in smoking, drinking or taking drugs
  • Mood swings, irritability or uncontrolled anger
  • Anxiety or depression
  • Urges to self-harm
  • Inability to perform daily tasks

 

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*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

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Insurance claims infographic

Insurance is something that you buy and hope that you never have to use. Unfortunately, if the unexpected does happen and you need your insurance, you want to get your claim processed as quick and easy as possible. We’re here to help you understand some essentials around insurance claims. You may be surprised to know that getting your claim paid starts when you buy your insurance.

Ask Questions

The old adage “there’s no such thing as a stupid question” couldn’t be truer for insurance and the claims process – and it starts right at the beginning.

When applying for insurance, an advisor will help explain your coverage but it’s important for you to ask all the questions you need to be confident you understand what your policy will or will not include. This is crucial for future claims – you don’t want to be in a situation where you think you are covered but you’re not. The language in insurance policies can be complex but your advisor can break it down for you. Asking a lot of questions upfront helps avoid confusion later on.

No Rushing Required

During the initial insurance application process, take all the time you need to complete it and remember to be as open as possible. For certain types of insurance like life or disability, there’ll be questions, related to medical history that will need exact details. If you need to confirm them, let the advisor know and they’ll be happy to give you time to do so.

Making sure your information is accurate during the initial application will help make sure your coverage is appropriate – and that can help make your claims experience that much easier. If the information provided is inaccurate, it could affect your claim being paid when you need it most – and that’s something nobody wants.

Get Back to Normal

Making an insurance claim means something bad has happened and it can be a difficult time. You want to know that your insurance company has your back and following the tips above can make the process more manageable and help get you back to normal again.

Insurance Claim Essentials

Ask Questions

When applying for insurance, ask all the questions you need to be confident you understand what your coverage does and does not include.

No Rushing Required

Take your time during the insurance application process. If you need to confirm exact details, do that first before giving your answer.

Applying for Coverage

The application and quote process is the most important part in determining the payment of future claims. If the information provided is inaccurate, it could affect your claim being paid.

Get Back to Normal

These steps during the initial insurance application are important for making future claims a smoother process. The process might still be stressful – we’re here to help make it more manageable, reduce hassle, and get you back to normal again.

We’ll help you get it. RBC Insurance

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We make it easy to find expert advice, money-saving tips, and a range of insurance options for every moment of life.

*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

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Some people are surprised to find out that insurance is not ‘one size fits all’. From coverage for your life or your paycheck to your home or car, insurance can be customized so that it makes sense for you and your family.

If you’re thinking about getting insurance, you want to be confident that you’re getting what’s right for you. Here are some ideas how.

Where Do I Start?

Before picking up the phone or turning on your computer you should ask yourself a few things. “What do I want to protect? Do I know which type of insurance would help? Do I understand enough about that insurance to make a decision”, and if not then “how can I get more information?” Speaking to a licensed insurance advisor can be a good first step to help when you’re buying insurance. They can help to answer questions you may have and they are also able to provide helpful recommendations based on what they learn about you and your needs during your discussions.

Insurance Questions To Prepare For

Your advisor has the opportunity to get to know you throughout your discussion. You’ll probably get some expected questions such as:

  • Do you own your home, or rent a condo or apartment?
  • How many cars do you have and do you drive to work?
  • Do you have snow tires for your car?

Then there are other questions that may seem a bit more personal but they really help to uncover exactly what your insurance needs are:

  • Who or what are you looking to protect?
  • Do you work outdoors, in a physical job like construction, or in an office?
  • Do you have insurance coverage from your work?
  • Do you have any health concerns?

These questions and subsequent discussions are all a part of getting to know you better to understand your needs so that you get the right insurance policy for you and your family.

Don’t Forget – You’re In Control

When you receive recommendations from your advisor, remember that they’re exactly that – recommendations. You can say yes or you can say no. Make sure that you are confident that you are purchasing what makes sense for you – no one knows what’s right for you more than you do.

Most importantly, you can always change your insurance down the line. Your life is constantly changing – it has a funny way of doing that – and you may need to re-visit your policies in the future.

You’re unique. Your insurance should be too. We’ll help you get it.

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We make it easy to find expert advice, money-saving tips, and a range of insurance options for every moment of life.

*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

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Most people all have times when they need to adjust their budgets and look for areas where they can trim spending, but which items can be removed or reduced? If you’re reviewing your budget, you might start to consider whether or not your insurance premiums are worth the cost. You may be asking yourself — are those monthly life, disability and renter’s insurance premiums really necessary?

The truth is, your insurance premiums are in a different category than your other recurring monthly bills. That’s because they aren’t buying you a tangible item, like an iPhone, a meal from UberEats, or a service like Netflix or Spotify. Instead, your premiums are paying for insurance coverage that’s helping to protect your money — whether it’s your future income or the cost of replacing your possessions from the impact of unlikely, but financially devastating events. This is why you should think twice before dropping insurance coverage from your budget.

Why Spend Money On Insurance Premiums?

The protection insurance provides can be an important part of your overall financial plan and security. For example, if your family relies on your income to pay bills and save towards future goals, life would change dramatically if your income suddenly disappeared. That might be because you get badly injured or become very ill and can no longer work, or — in the worst-case scenario — if you pass away unexpectedly.

So while it may seem like you aren’t “getting anything” in exchange for paying your monthly insurance premiums, what you are in fact doing is transferring the cost of a potential loss to your insurance company. This way, if an unforeseen event disrupts your life and threatens your finances, the payment from your insurance claim can help offset its effects.

What’s The Chance You’ll Need Your Insurance Coverage?

Incidents requiring insurance protection happen more often than one may think. For example, based on a report from the Council for Disability Awareness, the average 20-year-old has a greater than 25 per cent chance of becoming disabled before they retire. And the Canadian Red Cross says that home fires are one of the most common emergencies faced by Canadians.

At times people may choose to manage the financial loss themselves, but that may not be a possible option. Insurance can help provide coverage in case of a sudden and unexpected loss, damage, illness, injury or death. While people don’t want to think about negative things happening to them, it’s important to ask yourself if you’re prepared to manage a loss financially if something does go wrong.

So Where Does Insurance Fit In Your Budget?

Insurance is an important tool to have because it can help you mitigate a potential financial loss due to an unexpected event. Here are some steps to help you determine how insurance can continue to fit into your budget.

Step one: Highlight each insurance premium separately when reviewing your budget.

Step two: Write down the coverage amounts those premiums are paying for. You should be aware that there might be ways to trim the cost of your insurance, without cutting it out of your budget entirely.

  • For example, with disability insurance, you could increase the waiting period before your policy pays out if you become disabled, which may lower the cost of your monthly insurance payments.
  • For life insurance, you could check to see if you have the right amount of insurance — is there an opportunity to reduce the death benefit amount while still being covered for your family’s needs?
  • With renter’s insurance you control the dollar amount you are covered for and the deductible you choose to pay, should something happen.
  • For car insurance, with the exception of a leased or financed vehicle, you can choose whether you have coverage for loss or damage to your own vehicle or if you’re only covered for the mandatory third-party liability.

Step three: Prioritize which changes you are comfortable making based on what makes sense for your current situation. Remember you can always discuss this with a licensed insurance advisor and have them review your policy with you to see what changes can be made to help with your payment amounts.

All in all, insurance should be a part of the plans you make for your finances, beyond your day-to-day budget. That means you should understand what you’re getting in exchange for your monthly premium payments, and you should feel confident you have the coverage that’s right for you.

An RBC Insurance advisor can help you understand what kinds and amounts of insurance are right for you — and how to fit them into your overall budget.

RBC Insurance

We make it easy to find expert advice, money-saving tips, and a range of insurance options for every moment of life.

*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

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At a restaurant, a server may ask you if you have any food allergies so your meal won’t make you sick. A fitness coach might ask your height, weight and body measurements so they can accurately track your progress as you move through a fitness program. Most people have had to provide some sort of personal information to a company in exchange for a product or service; however, the kinds of personal information can vary as well as people’s comfort level in providing it.

Buying life insurance is another experience where you’ll be asked a series of personal questions. When you’re applying for life insurance, the application process is designed to collect all the information that is relevant to prepare your quote for insurance coverage.

Here are the kinds of personal information of you should expect to provide as part of applying for life insurance.

1. Your Current and Past Health Status

Depending on the amount and type of insurance you’re applying for, you may need to provide detailed information about your current and past health.

Questions may include if you or a family member has a history of certain health conditions like high blood pressure or diabetes, or if there is a history of serious illnesses like cancer or heart disease. You may also be asked about the health of your family members as it might indicate a pre-disposition to certain health issues. Other possible questions include if you’ve had surgeries or treatments for health issues, and any medications you’ve taken.

Other details like your weight, cholesterol level and your blood pressure may be checked and confirmed as a part of your application. You might even be asked to provide blood and urine samples for the insurance company to have analyzed in order to confirm the answers you’ve provided, as well as to assess your overall health.

Finally, sometimes an insurance company will check with your doctors to verify that the information you’ve provided is complete and correct.

2. Your Current Job

Your insurance application may require information about the kinds of things you do at work, to assess the risks you may face in your day-to-day life.

For example, you might need to describe if you travel for work and if so, where and how often. You will be asked about the type of work you do — to determine if you’re in a relatively higher risk occupation, like a firefighter. Whether you commute to work or work from a home office may also impact your policy.

3. The Things You Do Outside Of Work

Your application may require information about your hobbies and the things you do for fun. Are you a rock-climber or a cave-diver? If you take a tropical vacation, do you snorkel, scuba-dive, or relax on the beach with a book? How much alcohol do you drink in a week, and what — if anything — do you smoke, and how often?

Although it might seem unrelated to a life insurance application, your driving history might also be reviewed. This allows the insurance company to see if you’ve been ticketed for speeding or other offenses which might indicate a higher risk.

Why Does Your Life Insurance Company Need to Know So Much About Your Life?

Your life insurance policy is an agreement between you and your insurance provider where they agree to pay the death benefit — the amount of money you requested to be insured for, should you pass away while insured. Part of that agreement includes providing the personal information so your policy accurately represents you and your lifestyle.

Answering the kinds of questions that you’ll find on a life insurance application may be challenging because they might seem like more information than necessary. You may also be tempted to try and put your “best self forward,” by minimizing or downplaying some of the facets of your life, but remember your insurance agent wants to know and understand the real you so you can be fully protected.

While there are life insurance applications that require less medical questions, those applications typically offer lower death benefits.

When you’re applying for life insurance coverage, being an “open book” and providing accurate information is one of the most important steps to help make sure you have the right coverage and that it’ll be a smoother process to make a claim. Inaccurate information on a life insurance application can impact your claim payment so don’t hesitate to ask more questions and take your time; our licensed insurance advisors are here to help.

 

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*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

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If you’re a homeowner, you likely bought insurance so that you’d have some sort of protection to help cover your costs if your home or its contents get damaged or lost. But did you know your insurance coverage also extends beyond your four walls? Here are five surprising ways your policy protects you, and your property, outside of your home.

What is home insurance? A review of the basics

Home insurance protects your property against damage or loss from things that could happen such as fire, theft, and certain types of weather, including hail, lightning, and wind.

It covers both your home, and the contents of your home. This means that if your home gets damaged, or what’s inside it gets damaged, stolen, or lost, you can submit a claim to your insurance company to reimburse you (up to the dollar amount limit listed out in your specific insurance policy).

But did you know that your house insurance actually covers much more than just the structure and contents of your home? Here are five ways how.

1. If you require emergency accommodation away from home

One of the main reasons we buy home insurance is to protect us in the event of major damage to our property. But home insurance doesn’t just cover damage to your home and contents — it can also cover your costs if you have to live elsewhere temporarily, such as in a hotel or rental accommodation, because your home is not fit to live in, after an event that causes a lot of damage. The event, or situation that caused damage, has to be one of the ones listed as insurable on your policy, so don’t forget to review your policy and ask your insurance advisor for clarification if you are unsure.

Let’s say your basement has flooded, and your house now needs lots of work before you can safely return – or a fire has forced you out of your house until it can be repaired. In cases like these, your insurance policy will cover the cost of a place to stay while the repairs are completed; this is called Additional Living Expenses, for anyone curious about the term.

2. If your belongings have gone on a trip – with or without you

While your house is not usually moveable, your possessions are, and they can be included in the coverage provided by your home insurance even while they’re temporarily not in your house.

You could be moving houses, for example, and have an item go missing, or you might be at a friend’s cottage and accidentally drop your expensive, new phone in the lake. Even though your property is away from home, your home insurance could still cover it — and you can make a claim to cover the cost of your lost items.

3. When there’s more than a house to protect

Detached structures located on your property, like a shed, greenhouse, detached garage, or gazebo are also covered under your homeowner’s policy.

As a result, you can be protected if something happens to a detached structure or its contents, whether that’s because of severe weather, theft, or for any other insured reason. (Keep in mind that attached structures, like a deck that’s attached to your house, are also covered by your homeowner’s policy!)

4. If your kids have flown the coop to attend post-secondary education

If you have a child temporarily living away from home who is enrolled in and attending post-secondary school, whatever they take with them from home is covered by your homeowner’s insurance up to a maximum limit, which is listed in your policy.

So long as your dependent is in school and hasn’t moved out of your home permanently, your insurance coverage will travel with them to their dorm or rental accommodation — even if they’re over 18.

5. If Rover goes rogue

Last but not least, your home insurance policy includes liability coverage for you and the members of your household. That means your insurance policy covers you against lawsuits for injury or property damage that you or your family members, who live in your house, cause to other people — including damage caused by your pets.

This part of your homeowner insurance is there to protect you in case you unintentionally damage someone’s property or someone is injured in or outside of your home due to something you’ve done non-deliberately.

While every house insurance policy has special limits and exclusions, these five forms of protection are standard in most home insurance policies — so take comfort in knowing that your home insurance policy can provide more protection than you might expect. Reviewing your policy will confirm the coverage you have in place and if you have any specific questions, reach out to a helpful licensed insurance advisor who can provide answers.

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*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

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