{"id":38868,"date":"2026-06-18T13:37:08","date_gmt":"2026-06-18T17:37:08","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?p=38868"},"modified":"2026-06-18T15:05:20","modified_gmt":"2026-06-18T19:05:20","slug":"guide-to-home-insurance-newcomers-canada","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/guide-to-home-insurance-newcomers-canada","title":{"rendered":"A Guide to Home Insurance for Newcomers to Canada"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">A Guide to Home Insurance for Newcomers to Canada<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2026-06-18T13:37:08-04:00\">June 18, 2026<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">16 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/image-3.png?quality=80&w=512\" alt=\"Mark Gronowski\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Mark Gronowski<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\">Insurance Writer<\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/shutterstock_2089486747_edit.webp?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A Guide to Home Insurance for Newcomers to Canada\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/shutterstock_2089486747_edit.webp 1024w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/shutterstock_2089486747_edit.webp?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/shutterstock_2089486747_edit.webp?resize=768,512 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=A Guide to Home Insurance for Newcomers to Canada &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/guide-to-home-insurance-newcomers-canada\" aria-label=\"Email\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/guide-to-home-insurance-newcomers-canada\" aria-label=\"Copy URL\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">What is home insurance in Canada?<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-what-is-home-insurance-in-canada\">What is home insurance in Canada?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-types-of-home-insurance-in-canada\">Types of home insurance in Canada<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-does-home-insurance-cover-in-canada\">What does home insurance cover in Canada?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-home-insurance-typically-doesn-t-cover-in-canada\">What home insurance typically doesn\u2019t cover in Canada<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-affects-your-home-insurance-premium-in-canada\">What affects your home insurance premium in Canada<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-to-get-home-insurance-as-a-newcomer-to-canada\">How to get home insurance as a newcomer to Canada<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-protect-your-new-home-in-canada-with-rbc-insurance\">Protect your new home in Canada with RBC Insurance<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-rbc-home-insurance\">RBC Home Insurance<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>Moving to Canada is a big milestone, and finding a place to call home is often one of the most exciting parts of starting this new chapter. Whether you\u2019re renting an apartment, buying a condo, or moving into a house, having a space to call your own can help life feel a little more settled.<\/p>\n\n\n\n<p>Getting home insurance may not be the first thing on your mind, but it can make a big difference if something goes wrong. The right policy can help protect your home, belongings, and finances from things like fire, theft, water damage, or liability claims.<\/p>\n\n\n\n<p>But for many newcomers, figuring out how home insurance works in Canada can feel confusing at first. Policies, coverage options, and insurance terms may be different from what you\u2019re used to back home, which can make it hard to know where to start. Do you need house insurance or tenant insurance? What does home insurance cover? And how do you choose the right policy for your needs?<\/p>\n\n\n\n<p>Here\u2019s the good news: once you understand the basics, it becomes much easier to navigate. This guide breaks down the common types of home insurance in Canada, what they typically cover, and what can affect the cost \u2014 so you can feel more confident choosing coverage that fits your home and budget.<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article\">\n<h3 class=\"wp-block-heading\" id=\"h-key-takeaways\"><a><\/a>Key takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Home insurance isn\u2019t legally required in Canada, but most mortgage lenders require it for homeowners, and many landlords require renters to carry tenant insurance.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>The main types of home insurance in Canada are homeowner, tenant, and condo insurance.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>A standard policy typically helps protect your home, personal belongings, liability, and temporary living expenses if you can\u2019t stay in your home after a covered event.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Some situations \u2014 like overland flooding, earthquake damage, and high-value items \u2014 may not be automatically covered but can often be added for an extra cost.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Even if you\u2019re new to Canada and still building a credit history, you can still qualify for home insurance.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-home-insurance-in-canada\"><a><\/a>What is home insurance in Canada?<\/h2>\n\n\n\n<p>Home insurance is a type of insurance that helps protect your home, belongings, and finances if something unexpected happens. For example, it may help cover costs if your home is damaged by a fire or a burst pipe, a covered item is stolen, or someone gets injured on your property and you\u2019re found legally responsible.<\/p>\n\n\n\n<p>While coverage can vary depending on your policy, home insurance in Canada is generally designed to help cover three main areas:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Your home or living space:<\/strong> Helps cover repairs or rebuilding costs if your home is damaged by a covered event.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Your belongings:<\/strong> Helps cover the cost to replace personal items like furniture, electronics, and clothing if they\u2019re damaged, destroyed, or stolen.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Your legal liability<\/strong>: Helps cover the costs if someone is injured on your property or if you accidentally damage someone else\u2019s property.&nbsp;<\/p>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<p>Unlike car insurance, home insurance isn\u2019t legally required in Canada. But if you\u2019re buying a home, most mortgage lenders will require you to have a policy in place. Many landlords also require tenants to carry renter\u2019s insurance as part of their lease agreement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-home-insurance-works\">How home insurance works<\/h3>\n\n\n\n<p>When you buy home insurance, you pay a regular fee (called a premium) to an insurance company. In return, your insurer may help pay for certain costs if you experience an covered loss or accident.<\/p>\n\n\n\n<p>For example, if your home has a fire, you can file a claim with your insurance company to help pay for repairs or damaged belongings. After you submit it, your insurer will review what happened, assess the damage, and explain what costs they may help pay for under your policy.<\/p>\n\n\n\n<p>Depending on the situation, this could include things like fixing water damage, replacing damaged carpeting, furniture, or electronics, or even paying for temporary living expenses if you can\u2019t stay in your home during repairs. The bills can add up quickly, which is why home insurance can be so valuable if disaster strikes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-types-of-home-insurance-in-canada\"><a><\/a>Types of home insurance in Canada<\/h2>\n\n\n\n<p>Not all home insurance is the same. The type of home insurance that\u2019s right for you depends on where you live and whether you own or rent. In Canada, the three most common options are homeowner insurance, tenant insurance, and condo insurance. Each one is designed for a different living situation and things you\u2019re responsible for protecting.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-homeowner-insurance\"><a><\/a>Homeowner insurance<\/h3>\n\n\n\n<p>If you own a townhouse, detached, or semi-detached home, homeowner insurance is usually the type of policy you will need. Since you own the property, you\u2019re responsible for protecting the home itself and what\u2019s inside.<\/p>\n\n\n\n<p>A standard homeowner insurance policy may help pay for damage, destruction, or losses related to:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>The structure of your home, including walls, roof, and floors.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Attached structures, like a garage or deck.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Detached structures on your property, like a shed or fence.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Your personal belongings inside the home.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Temporary living expenses if you must vacate the home for an extended time.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Liability costs if someone is injured on your property or you accidentally damage someone else\u2019s property.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<p>Buying a home is a big financial commitment. The right <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/homeowners-insurance\/\" data-dig-id=\"LP-HomeInsurance-38868-8c8d3424\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"home insurance\" class=\"rbc-link-format\">home insurance<\/a> policy can help protect what you\u2019ve worked hard for and provide financial support when you need it most.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-tenant-insurance\"><a><\/a>Tenant insurance<\/h3>\n\n\n\n<p>Tenant insurance \u2014 sometimes called renter\u2019s insurance \u2014 is geared for people who rent the place they live in, whether that\u2019s an apartment, a house, or a basement suite. Many newcomers to Canada start out as renters while they get to know a new city, build credit history, or save up to buy a home.<\/p>\n\n\n\n<p>A common misconception is that the landlord\u2019s insurance covers everything inside the rental unit, but in most cases, it doesn\u2019t. The landlord\u2019s policy typically protects the building itself, and anything inside that belongs to you \u2014 think furniture, electronics, clothing, or kitchenware \u2014 is <em>your responsibility to insure<\/em>. That means if your laptop is stolen, your furniture is damaged by a fire, or your clothes are ruined by smoke damage, tenant insurance may help pay to replace them.<\/p>\n\n\n\n<p>Overall, tenant insurance may help cover:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Your personal belongings<\/strong> if they\u2019re damaged, destroyed, or stolen.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Personal liability<\/strong> if you accidentally injure someone or damage someone else\u2019s property.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Temporary living expenses<\/strong> if you must relocate after a covered event.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<p>Even when it\u2019s optional, some landlords require tenants to carry insurance as a condition of their lease agreement. Regardless, <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/why-renters-need-tenant-insurance\/\" data-dig-id=\"LP-HomeInsurance-38868-96dc7004\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"tenant insurance\" class=\"rbc-link-format\">tenant insurance<\/a> is often one affordable way to protect what you own.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-condo-insurance\"><a><\/a>Condo insurance<\/h3>\n\n\n\n<p>Own a unit in a condominium building? It\u2019s a smart idea to consider <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/what-is-condo-insurance-and-how-does-it-protect-you\/\" data-dig-id=\"LP-HomeInsurance-38868-bde836eb\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"condo insurance\" class=\"rbc-link-format\">condo insurance<\/a> \u2014 a policy that helps protect the parts of the property that you\u2019re responsible for. Unlike homeowner insurance, condo coverage works a little differently because the responsibility for the building is <em>shared<\/em> between you and the condo corporation.&nbsp;<\/p>\n\n\n\n<p>In most cases, the condo corporation\u2019s insurance covers the physical building and common areas, like hallways, elevators, the lobby, or the gym. It may also include the original fixtures in each unit, depending on the bylaws of the condominium corporation.<\/p>\n\n\n\n<p>Meanwhile, your individual condo insurance policy helps protect what\u2019s in your domain of responsibility. That can include:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Personal belongings<\/strong> like furniture, appliances, electronics, and clothing.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Upgrades or improvements<\/strong> you\u2019ve made to your unit (like new flooring or countertops).<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Liability costs<\/strong> if someone is injured inside your unit or you accidentally damage someone else\u2019s property.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Temporary living expenses<\/strong> if your unit becomes unlivable due to a covered event.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<p>Because condo insurance responsibilities are shared, it\u2019s important to understand what the condo corporation\u2019s policy includes \u2014 and where your own policy needs to step in.<\/p>\n\n\n\n<p>For example, if your toilet leaks and damages the unit below, you could be on the hook for the damages inside your unit, repairs to neighbouring units, or other related costs. Condo insurance can help protect you from having to pay those expenses out of your own pocket.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-does-home-insurance-cover-in-canada\"><a><\/a>What does home insurance cover in Canada?<\/h2>\n\n\n\n<p>Most home insurance policies in Canada help protect four main things: your home\u2019s structure, your belongings, your personal liability, and the cost of living somewhere else if you can\u2019t stay in your home.<\/p>\n\n\n\n<p>What\u2019s included will depend on your policy, but here\u2019s a look at the types of coverage that are commonly included.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-dwelling-coverage\">Dwelling coverage<\/h3>\n\n\n\n<p>This helps protect the physical structure of your home \u2014 think: walls, roof, floors, and attached structures like a garage or deck. It may help pay for repairs if your property is damaged by things like fire, theft, vandalism, and certain types of water damage.<\/p>\n\n\n\n<p>Policies usually pay claims in one of two ways:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Replacement cost:<\/strong> Helps pay to repair, replace, or rebuild damaged property using new materials that are similar in quality, without reducing the value for age or wear. For example, kitchen cabinets or flooring.<\/p>\n<\/li>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Actual cash value:<\/strong> Pays based on the item\u2019s current value after accounting for depreciation\u2014 meaning age and wear are factored into the payout. For example, if that TV is an old school model from 1988, the payout may be lower than the cost of buying a new one now.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-contents-coverage\">Contents coverage<\/h3>\n\n\n\n<p>This helps protect the personal belongings inside your home, like furniture, electronics, clothing, and appliances. In some cases, coverage may also apply to your belongings <em>outside<\/em> the home. For example, if your laptop is stolen from your car or someone swipes your bike from the garage, your policy may help cover the loss, up to certain limits.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-personal-liability\">Personal liability<\/h3>\n\n\n\n<p>This helps protect you financially if someone is injured on your property or if you accidentally damage someone else\u2019s property. It may cover legal fees and settlement costs up to your policy\u2019s limit.<\/p>\n\n\n\n<p>For example, if a visitor slips on your icy walkway and gets injured, liability coverage may help with legal fees, medical costs, or settlement expenses if you\u2019re found legally responsible.<\/p>\n\n\n\n<p>In Canada, a minimum of $2 million in personal liability coverage tends to be the <a href=\"https:\/\/www.ibc.ca\/insurance-basics\/home\/types-of-home-insurance-coverage\" target=\"_blank\" data-dig-id=\"LP-HomeInsurance-38868-fb0b02f9\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"standard recommendation\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">standard recommendation<\/a>, though many homeowners choose higher limits to be safe.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-temporary-living-expenses\">Temporary living expenses<\/h3>\n\n\n\n<p>This helps cover the cost of living somewhere else if your home becomes temporarily uninhabitable due to a covered loss.<\/p>\n\n\n\n<p>For example, if a fire causes so much smoke damage that you can\u2019t safely stay in your home, your policy may help cover costs like a hotel stay, short-term rental, restaurant meals, or other reasonable living expenses while your home is repaired.<\/p>\n\n\n\n<p>For newcomers who may not have family nearby to stay with in case of an emergency, this coverage can offer some peace of mind during a stressful situation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-home-insurance-typically-doesn-t-cover-in-canada\"><a><\/a>What home insurance typically doesn\u2019t cover in Canada<\/h2>\n\n\n\n<p>Home insurance can protect you from a lot, but it doesn\u2019t cover every curveball that life throws your way. Some situations and items are typically excluded from standard policies in Canada, while others may be added for an extra cost.<\/p>\n\n\n\n<p>Here are common exclusions to be aware of:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-overland-flooding\">Overland flooding<\/h3>\n\n\n\n<p>This is water damage caused by overflowing lakes or rivers, heavy rainfall, or even melting snow or ice. It\u2019s usually <em>not included<\/em> in a standard policy, but coverage may be available as an add-on. <a href=\"https:\/\/www.canada.ca\/en\/public-safety-canada\/news\/2026\/04\/government-of-canada-creates-platform-for-canada-wide-flood-risk-awareness-canadas-flood-risk-finder.html\" target=\"_blank\" data-dig-id=\"LP-HomeInsurance-38868-5f259a4f\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Flooding is the most common and costly natural hazard in the country\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Flooding is the most common and costly natural hazard in the country<\/a>, which is why this coverage may be worth a closer look depending on your location.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-earthquake-damage\">Earthquake damage<\/h3>\n\n\n\n<p>Got hit by an earthquake? This isn&#8217;t typically part of a standard policy in most provinces. Depending on <a href=\"https:\/\/www.canada.ca\/en\/public-safety-canada\/news\/2026\/04\/government-of-canada-creates-platform-for-canada-wide-flood-risk-awareness-canadas-flood-risk-finder.html\" target=\"_blank\" data-dig-id=\"LP-HomeInsurance-38868-61d813d6\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"where you live in Canada\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">where you live in Canada<\/a>, you may want to consider adding earthquake coverage as an optional add-on.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-maintenance-and-wear-and-tear\">Maintenance and wear and tear<\/h3>\n\n\n\n<p>Home insurance is meant to cover sudden events, not every day upkeep at home. Things like worn-out plumbing or a dead furnace are generally considered the homeowner&#8217;s responsibility.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-home-based-business-activities\">Home-based business activities<\/h3>\n\n\n\n<p>Running a business out of your home? Your standard policy may not cover business-related equipment, inventory, or liability. <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/do-home-based-businesses-need-extra-insurance\/\" data-dig-id=\"LP-HomeInsurance-38868-8d1ffbd7\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Home-based businesses\" class=\"rbc-link-format\">Home-based businesses<\/a> often need additional coverage to insure what they own and what they do.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-high-value-items\">High-value items<\/h3>\n\n\n\n<p>Most policies place limits on expensive items like jewellery, artwork, collectibles, and some electronics. If you own valuable pieces, you may need extra protection to insure them for their full value.<\/p>\n\n\n\n<p>Knowing what your policy doesn&#8217;t cover gives you a clearer picture of where you might want to add additional coverage. <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-HomeInsurance-38868-97472960\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"A licensed RBC Insurance advisor\" class=\"rbc-link-format\">A licensed RBC Insurance advisor<\/a> can help you figure out which add-ons make sense for your situation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-affects-your-home-insurance-premium-in-canada\"><a><\/a>What affects your home insurance premium in Canada<\/h2>\n\n\n\n<p>Home insurance isn\u2019t one-size-fits-all. Two people living on the same street could end up paying very different amounts for similar coverage. That\u2019s because insurers look at a range of factors when calculating your premium.<\/p>\n\n\n\n<p>Some of the main factors that may affect your premium include:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-location\">Location<\/h3>\n\n\n\n<p>Where you live matters. Insurers look at your province, city, and neighbourhood, as well as local weather risks, crime rates, or how close your home is to a fire station.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-type-and-age-of-home\">Type and age of home<\/h3>\n\n\n\n<p>Older homes can sometimes cost more to insure, especially if the plumbing, electrical, or roof hasn\u2019t been updated.The size of your home, construction materials used, and the home\u2019s overall condition also factor in.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-coverage-amount-and-deductible\">Coverage amount and deductible<\/h3>\n\n\n\n<p>The more coverage you choose, the higher your premium tends to be. Your deductible (the amount you pay out of pocket on a claim before your insurance kicks in) also affects the costs. A higher deductible can lower your premium, but it means paying more out-of-pocket if you need to make a claim.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-credit-history\">Credit history<\/h3>\n\n\n\n<p>In many provinces, insurers may <a href=\"https:\/\/www.ibc.ca\/insurance-basics\/how-insurance-works\/code-of-conduct-for-insurers-use-of-credit-information\" target=\"_blank\" data-dig-id=\"LP-HomeInsurance-38868-a134cda1\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"ask for your permission\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">ask for your permission<\/a> to use your credit score when calculating your premium. Newfoundland and Labrador is currently the <a href=\"https:\/\/www.assembly.nl.ca\/legislation\/sr\/annualregs\/2011\/nr110046.htm\" target=\"_blank\" data-dig-id=\"LP-HomeInsurance-38868-e990a1ce\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"only province that prohibits this practice\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">only province that prohibits this practice<\/a> for home insurance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-security-features\">Security features<\/h3>\n\n\n\n<p>Professionally installed monitored alarm systems and water leak sensors can sometimes lower your premium, since they may reduce the risk of certain types of losses.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-get-home-insurance-as-a-newcomer-to-canada\"><a><\/a>How to get home insurance as a newcomer to Canada<\/h2>\n\n\n\n<p>Getting home insurance in a new country can feel overwhelming at first, but breaking down the process into steps can make it easier to manage. Here are six steps to get you started.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-determine-the-type-of-insurance-you-need\">Determine the type of insurance you need<\/h3>\n\n\n\n<p>Think about your living situation. Renting an apartment? Tenant insurance is usually the right fit. Bought a townhouse, detached, or semi-detached home? You\u2019ll likely need homeowner insurance. If you own a condo unit, condo insurance is typically the way to go.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-take-inventory-of-what-you-own\">Take inventory of what you own<\/h3>\n\n\n\n<p>If you\u2019re applying for tenant or condo insurance, make a list of what you own. Include everything from electronics and kitchenware to clothing and higher value items like jewellery. This can help you decide how much contents coverage you need. Photos, videos, or receipts can also be helpful to keep on hand in case you ever need to make a claim.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-get-a-quote\">Get a quote<\/h3>\n\n\n\n<p>Insurance prices and coverage can vary quite a bit between providers, so it\u2019s worth comparing a few options. You can <a href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=E4HMMB&amp;lang=EN\" data-dig-id=\"LP-HomeInsurance-38868-4eebccb3\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"get a free quote online\" class=\"rbc-link-format\">get a free quote online<\/a> for most provinces in Canada or book a call with a licensed RBC Insurance advisor to review your options.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-review-coverage-options\">Review coverage options<\/h3>\n\n\n\n<p>Take a closer look at what each policy includes, excludes, and whether any optional add-ons make sense for you.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-choose-your-deductible\">Choose your deductible<\/h3>\n\n\n\n<p>A higher deductible can lower your premium, but it also means you will be paying more if something happens. The right balance depends on what fits your budget.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-apply\">Apply<\/h3>\n\n\n\n<p>Once you\u2019ve chosen a policy, the application process is usually pretty simple. You\u2019ll typically need basic information about yourself and your home, along with payment details to activate the policy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-protect-your-new-home-in-canada-with-rbc-insurance\"><a><\/a>Protect your new home in Canada with RBC Insurance<\/h2>\n\n\n\n<p>There\u2019s a special feeling that comes with finally settling into a place of your own in a new country. Maybe it\u2019s unpacking your boxes, hosting your first dinner party with new friends, or hanging photos and decorations that make the space feel more like you. After everything it takes to build a life somewhere new, your home becomes more than just an address.<\/p>\n\n\n\n<p>Home insurance can help protect the space (and life!) you\u2019re building. And if you\u2019re new to Canada, having someone walk you through your options can make the process feel a whole lot easier.<\/p>\n\n\n\n<p>Whether you\u2019re renting, buying your first condo, or getting the keys to your first house, RBC Insurance can help you find coverage that fits your situation. You can <a href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=E4HPPOTZ&amp;lang=EN\" data-dig-id=\"LP-HomeInsurance-38868-c34a1ab9\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"get a quote online\" class=\"rbc-link-format\">get a quote online<\/a> or <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/home-insurance\/index.html\" data-dig-id=\"LP-HomeInsurance-38868-ec4330d7\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"speak with a licensed insurance advisor\" class=\"rbc-link-format\">speak with a licensed insurance advisor<\/a> if you\u2019d like some guidance.<\/p>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-home-insurance\">RBC Home Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center\">Protect your home from the unexpected<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button has-custom-font-size aligncenter btn is-style-primary primary has-text-lg-font-size\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=BLOG_H21&amp;Lang=EN\" data-dig-id=\"LP-11914-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=BLOG_H21&amp;Lang=EN \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center mar-t-hlf mob-mar-t-hlf pad-b mob-pad-b has-text-reg-font-size\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/\" data-dig-id=\"LP-280-0876daf7\" data-dig-category=\"LP\" data-dig-action=\"link click\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-faqs faqs\">\n<h3 class=\"wp-block-heading\">FAQs about home insurance for newcomers to Canada<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>Is home insurance mandatory in Canada?<\/h4>\n\n\n\n<p>No, home insurance isn&#8217;t legally required in Canada. But if you\u2019re buying a home, most mortgage lenders require you to have a policy before approving a loan. Many landlords also require tenants to carry tenant insurance as a condition of their lease agreement.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>Can newcomers to Canada get home insurance without a credit history?<\/h4>\n\n\n\n<p>Yes, you can still get home insurance without an established Canadian credit history<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>What\u2019s the difference between tenant insurance and homeowner insurance in Canada?<\/h4>\n\n\n\n<p>Tenant insurance is for renters and usually helps protect your personal belongings and liability, as well as pay for temporary living expenses if your rental becomes unlivable after something goes wrong.<\/p>\n\n\n\n<p>Homeowner insurance is for people who own a townhouse, detached, or semi-detached home. In addition to safeguarding your belongings and liability, it also protects the physical structure of the home itself.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>What happens if I don\u2019t get home insurance and something goes wrong?<\/h4>\n\n\n\n<p>Without home insurance, you\u2019d generally be responsible for paying for any damage, theft, or liability costs out of your own pocket. Depending on the situation, this could include things like replacing belongings after a break-in or paying legal fees if someone is injured on your property. Those costs can add up quickly, which is why home insurance is an important financial safety net.<\/p>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>As a newcomer to Canada, finding somewhere to live in an important first step. Learn more about the types of coverage available and how to get home insurance as a newcomer.<\/p>\n","protected":false},"author":203,"featured_media":38867,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_post_was_ever_published":true},"categories":[48],"tags":[13],"article-type":[80],"ppma_author":[190],"class_list":["post-38868","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-insurance","tag-home-insurance","article-type-advice-learning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>A Guide to Home Insurance for Newcomers to Canada | RBC Insurance<\/title>\n<meta name=\"description\" content=\"As a newcomer to Canada, finding somewhere to live in an important first step. 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