{"id":15274,"date":"2024-10-30T11:53:02","date_gmt":"2024-10-30T11:53:02","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?page_id=15274"},"modified":"2026-05-26T17:03:51","modified_gmt":"2026-05-26T21:03:51","slug":"home-insurance","status":"publish","type":"page","link":"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/","title":{"rendered":"Home Insurance"},"content":{"rendered":"\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__HeroImageBackground  hasDarkBg\" style=\"background:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/home-insurance-hero-desktop.webp) no-repeat;--bghero-mobi-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/home-insurance_hero-mobile.webp)\">\n<div class=\"wp-block-columns cols-hero-wrapper is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-front is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"rbc-yoast-breadcrum\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span><\/p>\n\n\n\n<h1 class=\"wp-block-heading rbc-callout-heading\" id=\"h-home-insurance\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FFFFFF\" class=\"has-inline-color\">Home <\/mark><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FEDF01\" class=\"has-inline-color\">insurance<\/mark><\/h1>\n\n\n\n<p class=\"rbc-override-margin p-large\">Get a free home insurance quote<sup><a href=\"#legal-1\" data-dig-id=\"LP-15274-cfea0039\" data-dig-label=\"1\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FFFFFF\" class=\"has-inline-color\">1<\/mark><\/a><\/sup> for coverage to protect you, your property, and your belongings from the unexpected.<\/p>\n\n\n\n<div class=\"wp-block-buttons  get-your-free-quote is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=E4HPPOTZ&amp;lang=EN\" data-dig-id=\"LP-15274-d7914b9c\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a home insurance quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=E4HPPOTZ&amp;lang=EN \">Get a home insurance quote<\/a><\/div>\n\n\n\n<p class=\" call-link\">or <mark style=\"background-color:rgba(0, 0, 0, 0);color:#FFFFFF\" class=\"has-inline-color\"> <\/mark><a href=\"tel:+18777497224\" data-dig-id=\"LP-28671-3d08333d\" data-dig-label=\"Call 1-877-749-7224\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FFFFFF\" class=\"has-inline-color\"><u>Call 1-877-749-7224<\/u><\/mark><\/a><\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-postal-code postal-code-form  postal-code\" data-custom-url=\"\"><div class=\"quote-form \"><div class=\"inputCode\"><label>Your postal code<\/label><input class=\"\" type=\"text\" value=\"\" placeholder=\"A1A 1A1\"\/><\/div><div class=\"inputCode\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"#\" data-dig-id=\"LP-15274-195fca11\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-# \">Get a quote<\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><div class=\"error-msg\"><span class=\"error-msg-span\">Please provide a valid postal code in A1A 1A1 format.<\/span><\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading mar-t-dbl mob-mar-t-dbl\" id=\"h-great-rates-and-expert-advice-on-home-insurance\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-rbc-bright-blue-color\">Great rates and expert advice on home insurance<\/mark><\/h2>\n\n\n\n<div class=\"wp-block-rbc-our-services ourServices align__left mar-t-0 mob-mar-t-0\"><p class=\"ourServices__description p-large\"><span class=\"partial__border-bottom\">We offer a range of coverages under four types of home insurance below: homeowner\u2019s insurance, condo insurance (you own a condo unit), tenant insurance, and seasonal or other property insurance. Select your type, and explore your options.<\/span><\/p><h2 class=\"ourServices__title\">What type of home insurance do you need?<sup><a href=\"#legal-2\" data-dig-id=\"LP-15274-9100df7a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"2\" class=\"rbc-link-format\">2<\/a><\/sup><\/h2><div class=\"ourServices__list\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  has-icon left\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/home-icon.svg)\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/homeowners-insurance\/\" data-dig-id=\"LP-15274-ab77fac4\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Homeowner's insurance\" class=\"rbc-link-format\">Homeowner&#8217;s insurance<\/a><\/span><\/div><\/div>\n\n\n\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  has-icon left\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/condo-icon.svg)\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/condo-insurance\/\" data-dig-id=\"LP-15274-2ebff666\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Condo insurance\" class=\"rbc-link-format\">Condo insurance<\/a><\/span><\/div><\/div>\n\n\n\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  has-icon left\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/user-icon.svg)\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/tenant-insurance\/\" data-dig-id=\"LP-15274-82bf6b78\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Tenant insurance\" class=\"rbc-link-format\">Tenant insurance<\/a><\/span><\/div><\/div>\n\n\n\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  has-icon left\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/beach.svg)\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/seasonal-or-other-property-insurance\/\" data-dig-id=\"LP-15274-e4948aa1\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Seasonal or other property  insurance\" class=\"rbc-link-format\">Seasonal or other property  insurance<\/a><\/span><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout3\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\"><span class=\"partial__border-bottom\">How to save on home insurance?<\/span><\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-col is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/Money-Coin.svg);background-color:#EDF7FC\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\">Increase your deductible(s)<\/h4>\n<\/div>\n\n\n\n<p>If you increase the amount you pay on claims, your premiums will go down.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Umbrella.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\">Water monitoring<\/h4>\n<\/div>\n\n\n\n<p>Help prevent water damage with a centrally monitored water alarm.<sup><a href=\"#legal-3\" data-dig-id=\"LP-15274-cdd2c4ca\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"3\" class=\"rbc-link-format\">3<\/a><\/sup><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/Announement.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\">Security alarm and monitoring system<\/h4>\n<\/div>\n\n\n\n<p>Install a centrally monitored alarm system to take precautions against fire or theft.<sup><a href=\"#legal-4\" data-dig-id=\"LP-15274-238630d0\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"4\" class=\"rbc-link-format\">4<\/a><\/sup><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Family-Protection.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\">Group discount<\/h4>\n<\/div>\n\n\n\n<p>Reduced rates for members of organizations sponsoring a group home and auto plan through us.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/policy-icon.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\">Update your policy coverage and limits<\/h4>\n<\/div>\n\n\n\n<p>Review your policy regularly to ensure you have the right coverages and amounts.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/tools-icon.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\">Newer builds<\/h4>\n<\/div>\n\n\n\n<p>Insurers usually consider newer homes less likely to have issues.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__illustration isCover  hasDarkBg\" style=\"background-color:#006AC3\">\n<div class=\"wp-block-columns cols is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-left is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"cardTag rbc-override-margin\">The biggest way to save<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-enjoy-extra-savings-when-you-combine-home-and-auto-insurance\">Enjoy <mark style=\"color:#FEDF01\" class=\"has-inline-color\">extra savings<\/mark> when you combine home and auto insurance<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large has-white-color has-text-color has-link-color wp-elements-a99e7b4efd36935d154339e4491126ae\">Save up to 15% on your home insurance when you insure your home and car through RBC Insurance.<sup><a href=\"#legal-5\" data-dig-id=\"LP-15274-ccf65fa9\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"5\" class=\"rbc-link-format\">5<\/a><\/sup><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=autoandhome&amp;campaignID=E4IDBOGT&amp;lang=EN\" data-dig-id=\"LP-15274-7e75af1c\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Start a combined home &amp; auto quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=autoandhome&amp;campaignID=E4IDBOGT&amp;lang=EN \">Start a combined home &amp; auto quote<\/a><\/div>\n\n\n\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/home-and-auto-insurance-savings\/\" data-dig-id=\"LP-15274-ba9aaf95\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Learn more-https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/home-and-auto-insurance-savings\/ \">Learn more<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column col-right is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/auto-home-bundle-insurance-illustration.svg\" alt=\"Illustration of car infront of home\" class=\"wp-image-18488\" style=\"width:310px;height:auto\"\/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout2\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-home-insurance-tools-and-calculators\">Home insurance<span class=\"partial__border-bottom\"> tools and calculators<\/span><\/h2>\n\n\n\n<p class=\"p-large\"><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#EDF7FC\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-get-a-free-quote-and-see-how-much-you-can-save-on-home-insurance\">Get a free quote and see how much you can save on home insurance<\/h4>\n<\/div>\n\n\n\n<p>Find the right coverage for you with a free no-obligation home insurance quote<sup><a href=\"#legal-1\" data-dig-id=\"LP-15274-94e1040c\" data-dig-label=\"1\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1<\/a><\/sup>&nbsp;online.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-secondary secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=E4OSHQON&amp;Lang=EN\" data-dig-id=\"LP-15274-47465a22\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a home insurance quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=E4OSHQON&amp;Lang=EN \">Get a home insurance quote<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/car-and-home-insurance-quote.svg?quality=80&amp;w=1024\" alt=\"Car parked in front of a house\" class=\"wp-image-16040\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#EDF7FC\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-customize-and-buy-your-home-insurance-policy\">Customize and buy your home insurance policy<\/h4>\n<\/div>\n\n\n\n<p>Get coverage in minutes by buying your home insurance online<sup><a href=\"#legal-6\" data-dig-id=\"LP-15274-b134a04a\" data-dig-label=\"6\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">6<\/a><\/sup>.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-secondary secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=E4OSHQON&amp;Lang=EN\" data-dig-id=\"LP-15274-56db44cd\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Buy home insurance online-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=E4OSHQON&amp;Lang=EN \">Buy home insurance online<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"201\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/insurance-claim.webp?quality=80&amp;w=200\" alt=\"Insurance claim\" class=\"wp-image-15967\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/insurance-claim.webp 200w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/insurance-claim.webp?resize=150,150 150w\" sizes=\"auto, (max-width: 200px) 100vw, 200px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#EDF7FC\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-manage-your-home-insurance-policy-online\">Manage your home insurance policy online<\/h4>\n<\/div>\n\n\n\n<p>Sign up for an online RBC Insurance account and manage your policy from your computer or mobile device \u2013 simply and securely.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-secondary secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/en-ca\/online-insurance\/\" data-dig-id=\"LP-15274-edfec624\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Manage your policy online-https:\/\/www.rbcinsurance.com\/en-ca\/online-insurance\/ \">Manage your policy online<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"196\" height=\"195\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/online-insurance-app.webp?quality=80&amp;w=196\" alt=\"Illustration of hands managing Home &amp; Car insurance policies on smart phone.\" class=\"wp-image-16042\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/online-insurance-app.webp 196w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/online-insurance-app.webp?resize=150,150 150w\" sizes=\"auto, (max-width: 196px) 100vw, 196px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__image\" style=\"background-color:#F7F8FA\">\n<div class=\"wp-block-columns cols is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-left is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-get-help-choosing-the-right-home-insurance-coverage\">Get help choosing the right home insurance coverage<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Start an online home insurance quote or speak with an RBC Insurance advisor about home insurance.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=E4HPPOTZ&amp;lang=EN\" data-dig-id=\"LP-15274-ac6eb4e9\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a home insurance quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=E4HPPOTZ&amp;lang=EN \">Get a home insurance quote<\/a><\/div>\n\n\n\n<div class=\"wp-block-button btn is-style-secondary secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/home-insurance\/index.html\" data-dig-id=\"LP-15274-dc07f6f8\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/www.rbcinsurance.com\/request-a-call\/home-insurance\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column col-right is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"606\" height=\"573\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/home-insurance-cta.webp\" alt=\"A couple protected by home insurance\" class=\"wp-image-18127\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/home-insurance-cta.webp 606w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/home-insurance-cta.webp?resize=300,284 300w\" sizes=\"auto, (max-width: 606px) 100vw, 606px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-faq-wrapper faqWrapper  menuItems__dropdown\"><div class=\"faqWrapper__header\"><h2><span class=\"partial__border-bottom\">Frequently asked questions<\/span> about home insurance<\/h2><\/div><div class=\"faqWrapper__content\"><div class=\"faqWrapper__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t\t<div class=\"selectDropdown__container\">\n\t\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"General information\">\n\t\t\t\t\tGeneral information\t\t\t\t<\/span>\n\t\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t\t<\/button>\n\t\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tGeneral information\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tCoverage options and adjustments\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"2\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tLocation and living conditions\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"3\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tClaims and finances\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__description\">\n\t\t\t\t\t\t\t\t\tMenu Item Description\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\t\n<\/div>\n<div class=\"faqWrapper__menuItems\"><div class=\"faqWrapper__menuItem\" tabindex=\"0\">General information<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Coverage options and adjustments<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Location and living conditions<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Claims and finances<\/div><\/div><p class=\"faqWrapper__helpText\">Still have questions? <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/contact-us\/\" data-dig-id=\"LP-15274-43684cd3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Contact us\" class=\"rbc-link-format\">Contact us<\/a>.<\/p><\/div><div class=\"faqWrapper__content-right\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>General information<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleea14884e\" class=\"collapse-toggle collapsed\" data-target=\"#accordionea14884e\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15274-ea14884e\" aria-controls=\"accordionea14884e\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is home insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is home insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionea14884e\" role=\"region\" aria-labelledby=\"accordion-titleea14884e\"><div class=\"collapse-inner\">\n<p>Home insurance is a policy that helps protect your home, belongings, and liability if something unexpected happens. RBC Insurance home coverage can help pay for damage to your house, theft or damage to personal property, liability if someone is injured on your property, and temporary living costs if you cannot stay in your home after a covered event.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlegrwcnxpp\" class=\"collapse-toggle collapsed\" data-target=\"#accordiongrwcnxpp\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15274-grwcnxpp\" aria-controls=\"accordiongrwcnxpp\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How much does home insurance cost?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How much does home insurance cost?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiongrwcnxpp\" role=\"region\" aria-labelledby=\"accordion-titlegrwcnxpp\"><div class=\"collapse-inner\">\n<p>IHome insurance costs vary depending on your location, home type, coverage limits, deductible, and claims history. Other factors such as your postal code, construction type, and heating systems can also be considered when calculating your premium.<\/p>\n\n\n\n<p>The easiest way to get a better idea of your home insurance costs is to use our&nbsp;<a href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=E4HPPOTZ&amp;lang=EN\" data-dig-id=\"LP-15274-c0295dda\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"online quote tool\" class=\"rbc-link-format\">online quote tool<\/a>&nbsp;or&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/home-insurance\/index.html\" data-dig-id=\"LP-15274-f9314021\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"talk to an RBC Insurance Advisor\" class=\"rbc-link-format\">talk to an RBC Insurance Advisor<\/a>&nbsp;about the coverage that\u2019s right for you.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlez9j111gd\" class=\"collapse-toggle collapsed\" data-target=\"#accordionz9j111gd\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15274-z9j111gd\" aria-controls=\"accordionz9j111gd\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What does home insurance cover?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What does home insurance cover?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionz9j111gd\" role=\"region\" aria-labelledby=\"accordion-titlez9j111gd\"><div class=\"collapse-inner\">\n<p>Home insurance usually covers damage to your home, personal belongings, liability protection, and temporary living expenses after a covered loss. RBC Insurance home policies may help cover events such as fire, wind, hail, and theft. If your home becomes uninhabitable after a covered event, your policy may also help pay for hotel stays and other temporary living expenses.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titletairl2y3\" class=\"collapse-toggle collapsed\" data-target=\"#accordiontairl2y3\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15274-tairl2y3\" aria-controls=\"accordiontairl2y3\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Is home insurance mandatory?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Is home insurance mandatory?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiontairl2y3\" role=\"region\" aria-labelledby=\"accordion-titletairl2y3\"><div class=\"collapse-inner\">\n<p>Home insurance is not legally required in Canada, but most mortgage lenders require it before approving a mortgage. Even if you own your home without a mortgage, RBC Insurance recommends coverage because it helps protect your home, belongings, and finances from major covered loss.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title454b7187\" class=\"collapse-toggle collapsed\" data-target=\"#accordion454b7187\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15274-454b7187\" aria-controls=\"accordion454b7187\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How does home insurance work?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How does home insurance work?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion454b7187\" role=\"region\" aria-labelledby=\"accordion-title454b7187\"><div class=\"collapse-inner\">\n<p>Home insurance works by helping pay for covered damage or losses after you pay your deductible. You pay a premium for coverage, and if a covered event damages your home or belongings, you file a claim.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Coverage options and adjustments<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlegi6nfauh\" class=\"collapse-toggle collapsed\" data-target=\"#accordiongi6nfauh\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15274-gi6nfauh\" aria-controls=\"accordiongi6nfauh\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How much home insurance do I need?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How much home insurance do I need?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiongi6nfauh\" role=\"region\" aria-labelledby=\"accordion-titlegi6nfauh\"><div class=\"collapse-inner\">\n<p>Generally, you should consider enough home insurance to rebuild your home, replace your belongings, and provide liability protection. Coverage is based on replacement cost, not market value. RBC Insurance also recommends reviewing your coverage regularly, especially after renovations or major purchases.<\/p>\n\n\n\n<p>Please <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/home-insurance\/index.html\" data-dig-id=\"LP-15274-c764e74d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"speak to an&nbsp;RBC Insurance Advisor\" class=\"rbc-link-format\">speak to an&nbsp;RBC Insurance Advisor<\/a>&nbsp;to get the right coverage for your situation.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title44n1w74g\" class=\"collapse-toggle collapsed\" data-target=\"#accordion44n1w74g\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15274-44n1w74g\" aria-controls=\"accordion44n1w74g\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Does home insurance cover water damage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Does home insurance cover water damage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion44n1w74g\" role=\"region\" aria-labelledby=\"accordion-title44n1w74g\"><div class=\"collapse-inner\">\n<p>Home insurance typically covers sudden and accidental water damage, such as a burst pipe or appliance failure. Often, protection for losses such as sewer backup or overland water may require optional coverage. Damage from gradual leaks, seepage, or coastal flooding are not covered. Coverage details should be reviewed carefully.<\/p>\n\n\n\n<p>Please <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/home-insurance\/index.html\" data-dig-id=\"LP-15274-a37b3427\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"speak to an RBC Insurance Advisor\" class=\"rbc-link-format\">speak to an RBC Insurance Advisor<\/a> to get the right coverage for your situation.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlep9koauc3\" class=\"collapse-toggle collapsed\" data-target=\"#accordionp9koauc3\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15274-p9koauc3\" aria-controls=\"accordionp9koauc3\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What can I do to lower my home insurance costs?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What can I do to lower my home insurance costs?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionp9koauc3\" role=\"region\" aria-labelledby=\"accordion-titlep9koauc3\"><div class=\"collapse-inner\">\n<p>You could save up to 15% on your home insurance when you insure your home and car through us<sup>5<\/sup>. It may also be possible to lower your home insurance premiums by installing a centrally monitored water alarm system<sup>3<\/sup> or a centrally monitored security alarm system<sup>4<\/sup>. Or you can choose a higher deductible, which is the amount you pay out of pocket in the event of a covered claim.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleaoyn67p6\" class=\"collapse-toggle collapsed\" data-target=\"#accordionaoyn67p6\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15274-aoyn67p6\" aria-controls=\"accordionaoyn67p6\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I change or cancel my home insurance at any time?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I change or cancel my home insurance at any time?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionaoyn67p6\" role=\"region\" aria-labelledby=\"accordion-titleaoyn67p6\"><div class=\"collapse-inner\">\n<p>Yes, you can cancel your insurance at any time \u2014 cancellation fees may apply.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Location and living conditions<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title9994wxub\" class=\"collapse-toggle collapsed\" data-target=\"#accordion9994wxub\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15274-9994wxub\" aria-controls=\"accordion9994wxub\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How does where I live affect my home insurance premiums?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How does where I live affect my home insurance premiums?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion9994wxub\" role=\"region\" aria-labelledby=\"accordion-title9994wxub\"><div class=\"collapse-inner\">\n<p>Your home\u2019s location provides a lot of information on what potential risks it may face. The lower the risks, the lower your insurance premiums. The location tells the insurer whether your home is at risk for things like flooding or fire damage, the odds of break-ins or vandalism in your area, and other things that might result in an insurance claim. Factors like nearby buildings and services can also be considered, like the distance between your home and the nearest fire station.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlex1pnquzu\" class=\"collapse-toggle collapsed\" data-target=\"#accordionx1pnquzu\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15274-x1pnquzu\" aria-controls=\"accordionx1pnquzu\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Does the age of my home affect insurance premiums?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Does the age of my home affect insurance premiums?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionx1pnquzu\" role=\"region\" aria-labelledby=\"accordion-titlex1pnquzu\"><div class=\"collapse-inner\">\n<p>Newer homes are generally charged lower premiums. As a building ages, parts of it may wear down, leading to higher risks of things like broken pipes or electrical issues<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title7kiji09f\" class=\"collapse-toggle collapsed\" data-target=\"#accordion7kiji09f\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15274-7kiji09f\" aria-controls=\"accordion7kiji09f\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Does my type of heating system affect the cost of home insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Does my type of heating system affect the cost of home insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion7kiji09f\" role=\"region\" aria-labelledby=\"accordion-title7kiji09f\"><div class=\"collapse-inner\">\n<p>Yes. Generally, homes with electric and natural gas cost less to insure than homes with oil or wood furnaces. Oil has a risk of leaking, which is difficult and expensive to prevent or fix, while wood furnaces may raise the risk of house fires.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlekicntu1v\" class=\"collapse-toggle collapsed\" data-target=\"#accordionkicntu1v\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15274-kicntu1v\" aria-controls=\"accordionkicntu1v\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What if I live in a condo \u2014 how does my home insurance work?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What if I live in a condo \u2014 how does my home insurance work?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionkicntu1v\" role=\"region\" aria-labelledby=\"accordion-titlekicntu1v\"><div class=\"collapse-inner\">\n<p>Because your condo corporation will have its own policy that covers common areas, your condo insurance will focus on the contents and improvements made to the standard unit. You can insure your unit and possessions against water, theft or fire, to help protect yourself from liability claims, and to receive reasonable living expenses, up to the limits in your policy, if you\u2019re unable to live in your unit because of repairs to the building.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title8jcu0uqa\" class=\"collapse-toggle collapsed\" data-target=\"#accordion8jcu0uqa\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15274-8jcu0uqa\" aria-controls=\"accordion8jcu0uqa\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What if I rent \u2014 does my home insurance work differently?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What if I rent \u2014 does my home insurance work differently?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion8jcu0uqa\" role=\"region\" aria-labelledby=\"accordion-title8jcu0uqa\"><div class=\"collapse-inner\">\n<p>Tenant insurance (sometimes called renter\u2019s insurance) is similar to home insurance, but with some notable differences. Tailored for people who rent or lease their home or apartment from a landlord, tenant insurance premiums are typically much lower than home insurance. Policies cover the contents of your home in case of theft or damage, help provide you with liability protection, and pay for reasonable living expenses, up to the limits in your policy, if you can\u2019t live in your unit as a result of a covered claim.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3><strong>Claims and finances<\/strong><\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlefe47d813\" class=\"collapse-toggle collapsed\" data-target=\"#accordionfe47d813\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15274-fe47d813\" aria-controls=\"accordionfe47d813\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I file a home insurance claim?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I file a home insurance claim?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionfe47d813\" role=\"region\" aria-labelledby=\"accordion-titlefe47d813\"><div class=\"collapse-inner\">\n<p>To file a home insurance claim, contact RBC Insurance as soon as possible and provide details about the incident and the damage. You may need to submit photos, receipts, or other supporting documents. A claims advisor or adjuster will review the loss and confirm what repairs or damages are covered under your policy.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title57858d8e\" class=\"collapse-toggle collapsed\" data-target=\"#accordion57858d8e\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15274-57858d8e\" aria-controls=\"accordion57858d8e\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Is home insurance tax deductible?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Is home insurance tax deductible?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion57858d8e\" role=\"region\" aria-labelledby=\"accordion-title57858d8e\"><div class=\"collapse-inner\">\n<p>Home insurance premiums for a primary residence are generally not tax deductible in Canada. However, if you rent out your property or use part of your home for business purposes, you may be able to deduct a portion of the insurance cost related to that income producing use. For tax advice specific to your situation, speak with a qualified tax professional.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<p class=\"faqWrapper__helpText\">Still have questions? <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/contact-us\/\" data-dig-id=\"LP-15274-43684cd3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Contact us\" class=\"rbc-link-format\">Contact us<\/a>.<\/p><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-article-cards articleCards\"><div class=\"articleCards__header\"><h2><span class=\"partial__border-bottom\"><span class=\"partial__border-bottom\">Learn more about home insurance<\/span><\/span><\/h2><\/div><div class=\"articleCards__container\"><div class=\"articleCards__cards carousel-wpr\">\n<div class=\"wp-block-rbc-article-card-single articleCardSingle\"><div class=\"articleCardSingle__image\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2022\/09\/Thumbnail-default-9-2.jpg\" alt=\"Featured Image\"\/><\/div><div class=\"articleCardSingle__content\" style=\"background-color:#F7F8FA\"><span class=\"cardTag\">Home insurance<\/span><h4 class=\"rbc-override-margin\">Nine Ways to Save on Home Insurance<br><\/h4><p class=\"rbc-override-margin truncate-text-lines-3\">Your home is likely the largest purchase you&#8217;ll ever make. So it&#8217;s important to protect your investment with the right home insurance product and the right amount of coverage. But that doesn&#8217;t mean you have to spend a lot.<br><\/p><p class=\"articleCardSingle__postLink\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/nine-ways-to-save-on-home-insurance\/\" data-dig-id=\"LP-15274-2ce8e4fa\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Read more\" class=\"rbc-link-format\">Read more<\/a><\/p><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-article-card-single articleCardSingle\"><div class=\"articleCardSingle__image\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2022\/09\/tenant-thumbnail-default-2.jpg\" alt=\"Featured Image\"\/><\/div><div class=\"articleCardSingle__content\" style=\"background-color:#F7F8FA\"><span class=\"cardTag\">Home insurance<\/span><h4 class=\"rbc-override-margin\">Should I Spend Money On Tenant Insurance?<br><\/h4><p class=\"rbc-override-margin truncate-text-lines-3\">If you&#8217;re a renter, you may be wondering whether you should add tenant insurance to your monthly expenses. After all, you might think, your stuff isn&#8217;t that valuable \u2013 is it really worth it to insure it?<br><\/p><p class=\"articleCardSingle__postLink\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/should-i-spend-money-on-tenant-insurance\/\" data-dig-id=\"LP-15274-064e6529\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Read more\" class=\"rbc-link-format\">Read more<\/a><\/p><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-article-card-single articleCardSingle\"><div class=\"articleCardSingle__image\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2022\/09\/5-surprising-home-insurance-thumbnail-default-2.jpg\" alt=\"Featured Image\"\/><\/div><div class=\"articleCardSingle__content\" style=\"background-color:#F7F8FA\"><span class=\"cardTag\">Home insurance<\/span><h4 class=\"rbc-override-margin\">Five Surprising Ways Home Insurance Covers You Outside Your Home<br><\/h4><p class=\"rbc-override-margin truncate-text-lines-3\">Home insurance is one of those important items you look to purchase when you buy a home so that you are covered for things like a fire or water damage. Home insurance can actually help protect you for a lot more. Here are just five of those surprising and helpful ways.<br><\/p><p class=\"articleCardSingle__postLink\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/five-surprising-ways-home-insurance-covers-you-outside-your-home\/\" data-dig-id=\"LP-15274-d40e44a6\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Read more\" class=\"rbc-link-format\">Read more<\/a><\/p><\/div><\/div>\n<\/div><div class=\"articleCards__sliderNav\"><div class=\"articleCards__navArrow articleCards__prevArrow\"><\/div><div class=\"articleCards__sliderDots\"><\/div><div class=\"articleCards__navArrow articleCards__nextArrow\"><\/div><\/div><div class=\"wp-block-buttons articleCards__moreBtnContainer\"><div><div class=\"wp-block-button btn is-style-secondary secondary articleCards__moreBtn\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/\" data-dig-id=\"LP-15274-b25405ec\" data-dig-label=\"Learn more about Insurance\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Learn more about Home Insurance<\/a><\/span><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-15274-299f5ae4\" data-dig-category=\"LP\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>View Legal Disclaimers<\/span><span>Hide Legal Disclaimers<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>1<\/sup><\/div><div class=\"table-cell\">\n<p>Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia. Conditions apply. Not everyone who uses online platforms or calls in will be able to get a quote or buy an insurance policy.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-2\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>2<\/sup><\/div><div class=\"table-cell\">\n<p>The information on this website is intended as a summary only. All terms and conditions are contained in the applicable insurance policy. We also encourage you to speak to an RBC licensed insurance advisor to get professional advice.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-3\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>3<\/sup><\/div><div class=\"table-cell\">\n<p>The centrally monitored water alarm discount through RBC Insurance is not available in New Brunswick, Nova Scotia or Prince Edward Island. It is also not applicable to tenant insurance or property insurance for rental locations.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-4\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>4<\/sup><\/div><div class=\"table-cell\">\n<p>The RBC Insurance home security system discount is not available in Ontario, Alberta or British Columbia and is not applicable to condo and tenant insurance policies. There are specific eligibility requirements to qualify for the home security discount.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-5\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>5<\/sup><\/div><div class=\"table-cell\">\n<p>All savings opportunities are based on filed discounts and rates in force and vary based on each individual\u2019s insurance profile and are not guaranteed. When you combine your home and auto insurance through RBC Insurance, home insurance savings may range from 10% to 17%, and there may be additional savings on your auto insurance. Savings vary by the province or territory you live in. Certain conditions, limitations and exclusions may apply. The bundle and save discount also excludes endorsements (any additional, usually optional, enhancements that you add to your policy). For detailed information about how savings could apply to you, speak with a licensed RBC Insurance advisor.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-6\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>6<\/sup><\/div><div class=\"table-cell\">\n<p>Conditions apply. Not everyone who uses online platforms or calls in will be able to get a quote or buy an insurance policy.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-7\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>7<\/sup><\/div><div class=\"table-cell\">\n<p>Liability coverage is subject to the terms, conditions, limitations and exclusions in the policy.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Great rates and expert advice on home insurance<\/p>\n","protected":false},"author":196,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-15274","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Home Insurance Canada | Get A Home Insurance Quote Online | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Looking for home insurance coverage? RBC Insurance offers different types of affordable home insurance options for Canadians. Get a quick online home insurance quote online.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Home Insurance Canada | Get A Home Insurance Quote Online | RBC Insurance\" \/>\n<meta property=\"og:description\" content=\"Looking for home insurance coverage? RBC Insurance offers different types of affordable home insurance options for Canadians. 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