{"id":40557,"date":"2026-08-07T09:00:00","date_gmt":"2026-08-07T13:00:00","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?p=40557"},"modified":"2026-08-07T09:43:26","modified_gmt":"2026-08-07T13:43:26","slug":"types-of-home-insurance-in-canada","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/types-of-home-insurance-in-canada","title":{"rendered":"Types of Home Insurance in Canada: A Guide"},"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\/personal\/\">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\">Types of Home Insurance in Canada: A Guide<\/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=\"2026-08-07T09:00:00-04:00\">August 7, 2026<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">10 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\/Tammy-Burns.webp?quality=80&w=1024\" alt=\"Tammy Burns\">\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\">Tammy Burns<\/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\/Types-of-Home-Insurance.webp?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Types of home insurance in Canada: a guide\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Types-of-Home-Insurance.webp 1024w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Types-of-Home-Insurance.webp?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Types-of-Home-Insurance.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=Types of Home Insurance in Canada: A Guide &#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\/types-of-home-insurance-in-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\/types-of-home-insurance-in-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?<\/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\">What is home insurance?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-types-of-homeowners-insurance-in-canada\">Types of homeowners insurance in Canada<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-to-choose-the-right-home-insurance-for-you\">How to choose the right home insurance for you<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-to-buy-home-insurance\">How to buy 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 blog-article\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>Whether you\u2019re raising a family in the suburbs, sharing a downtown apartment with roommates, or escaping to a lakefront cottage, your home is more than just a place to live. It\u2019s your sanctuary \u2014 and it\u2019s worth protecting.<\/p>\n\n\n\n<p>While you can&#8217;t always prevent the unexpected, you can prepare for it. Home insurance can help protect your home, belongings, and finances if something goes wrong. And while home insurance isn\u2019t legally required in Canada, mortgage lenders and landlords require it.<\/p>\n\n\n\n<p>Not sure what type of insurance you need? This guide breaks down the basics, including what does home insurance cover, the types of policies, and how to buy home insurance in Canada.<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<h3 class=\"wp-block-heading calloutCard__article__heading\" id=\"h-key-takeaways\">Key takeaways<\/h3>\n\n\n\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Home insurance helps protect more than just your home<\/strong>. It can also help cover your belongings, liability, and additional living expenses if something goes wrong.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Different homes need different coverage<\/strong>. Homeowners, condo owners, renters, and cottage owners typically require specific types of insurance.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Standard policies don\u2019t cover every risk<\/strong>, so it\u2019s important to understand what\u2019s included and what may require additional coverage.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>If you rent or own a condo<\/strong>, don&#8217;t assume your landlord\u2019s or condo corporation\u2019s insurance covers your belongings.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Many landlords in Canada require you to have tenant insurance<\/strong>, even if it\u2019s not legally required.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Seasonal properties such as cottages often require their own insurance policy<\/strong> and may not be covered under a standard home insurance policy.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Choosing the right policy starts with understanding your property<\/strong>, your risks, and the level of protection that makes sense for your situation.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-home-insurance\">What is home insurance?<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/\" data-dig-id=\"LP-HomeInsurance-40557-a47c5b3f\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Home insurance\" class=\"rbc-link-format\">Home insurance<\/a> is a type of insurance policy designed to protect your home, your belongings, and other structures on your property, such as a shed or detached garage.<\/p>\n\n\n\n<p>If something unexpected happens \u2014 such as a fire, theft, vandalism, certain types of water leaks, or damage caused by hail or wind \u2014 your policy may help cover the cost of repairs or replacing damaged items, depending on the coverage you have. It can also help pay for additional living expenses if you need to stay elsewhere due to a covered event.<\/p>\n\n\n\n<p>Home insurance can also include personal liability coverage. If you\u2019re found legally responsible for accidentally injuring someone or damaging their property, your policy may help cover your expenses and other eligible costs, up to the limits of your coverage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-is-not-covered-by-home-insurance-in-canada\">What is not covered by home insurance in Canada?<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/\" data-dig-id=\"LP-HomeInsurance-40557-0e52c200\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Home insurance\" class=\"rbc-link-format\">Home insurance<\/a> is designed to help protect against <em>sudden<\/em> and <em>unexpected<\/em> loss or damage. That generally doesn\u2019t cover damage caused by normal wear and tear, lack of maintenance, or any intentional acts.<\/p>\n\n\n\n<p>Not every risk is automatically included in a standard home insurance policy. Depending on your insurer and coverage, protection for events \u2014 such as earthquakes, sewer back-ups, and overland flooding \u2014 may be excluded and may require additional coverage.<\/p>\n\n\n\n<p>There may also be limits on how much coverage is available for certain high-value items, such as jewelry, artwork, and collectibles.<\/p>\n\n\n\n<p>The good news is that extra protection can often be added. <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/property-insurance-endorsements\/\" data-dig-id=\"LP-HomeInsurance-40557-f336a01a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"RBC Insurance offers additional coverage\" class=\"rbc-link-format\">RBC Insurance offers additional coverage<\/a> for sewer back-ups, major renovations, high-value items, and even cyberattacks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-types-of-homeowners-insurance-in-canada\">Types of homeowners insurance in Canada<\/h2>\n\n\n\n<p>Not all homes need the same type of insurance. The right coverage depends on the type of property, whether you own or rent it, and how often you live there. Here are some of the most common types of home insurance:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Homeowners insurance<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/homeowners-insurance\/\" data-dig-id=\"LP-HomeInsurance-40557-633d340f\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Homeowners insurance\" class=\"rbc-link-format\">Homeowners insurance<\/a> (also called house insurance) is designed for people who own and live in a house or similar dwelling. It offers the broadest level of protection for both your home and your belongings.<\/p>\n\n\n\n<p>Homeowners insurance isn\u2019t mandatory under Canadian law, but most mortgage lenders require it as a condition of financing. While optional, it can help protect you from the financial impact of unexpected events, such as fire, vandalism, weather-related damage, and theft.<\/p>\n\n\n\n<p>Here\u2019s what\u2019s typically covered:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>The dwelling\u2019s structure<\/strong>, including walls, roof, and foundation.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Detached, private structures on your property<\/strong>, such as a garage or shed.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Personal belongings<\/strong> inside your home or temporarily elsewhere, such as furniture, electronics, and clothing.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Personal liability <\/strong>if you accidentally cause someone bodily injury or damage their property.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Additional living expenses<\/strong> if you need to relocate after a covered event.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>Depending on your home and where you live in Canada, you may want to consider a few add-ons for risks that aren&#8217;t automatically included in a standard policy. Common add-ons include:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Sewer back-up coverage<\/strong> for water damage caused by a sewer, septic system, or sump pump back-up.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Overland water coverage<\/strong> for water damage caused by heavy rainfall, rapid snow melt, or overflow of a nearby lake or river.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Service line coverage<\/strong> for damage to underground lines that run from city property into your home, such as watermains, electrical lines, and telecommunications lines.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Cyber insurance<\/strong> for losses related to cyber incidents, such as data breaches, online fraud, or cyberbullying.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Condo insurance<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/condo-insurance\/\" data-dig-id=\"LP-HomeInsurance-40557-f316db0c\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Condo insurance\" class=\"rbc-link-format\">Condo insurance<\/a> (also called condominium owner insurance) is a type of insurance policy designed for people who own a condominium unit. It helps protect your personal belongings, the parts of your unit that you\u2019re responsible for, and your personal liability if you&#8217;re found legally responsible for injuring someone or damaging their property.<\/p>\n\n\n\n<p>Unlike homeowners insurance, condo insurance works a little differently because the responsibility for the structure is <em>shared<\/em> between you and the condo corporation. In most cases, the condo corporation\u2019s insurance covers the building itself and common areas, such as hallways, elevators, lobbies, and amenities. It may also cover certain original fixtures or features within individual units.<\/p>\n\n\n\n<p>However, this coverage may not fully protect your belongings, upgrades, or personal liability, which is where condo insurance can help. Generally speaking, a condo insurance policy may help cover:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\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>, such as 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> that have been made to your unit, such as new flooring, cabinets, or countertops.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Personal liability<\/strong> if you\u2019re found legally responsible for accidentally injuring someone or damaging someone else&#8217;s property.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Additional living expenses<\/strong> if a covered event makes your unit unliveable.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>Because coverage responsibilities are shared, it&#8217;s important to understand what the condo corporation\u2019s policy covers and what falls into your domain of responsibility. It\u2019s a good idea to arrange condo insurance coverage before taking possession of your unit.<\/p>\n\n\n\n<p>For example, if a leak from your unit damages a neighbouring unit, you could be on the hook for paying for some of the resulting costs. Condo insurance may help cover eligible expenses, depending on the circumstances and your coverage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Tenant insurance<\/h3>\n\n\n\n<p>If you rent your home, you might assume your landlord\u2019s insurance covers your belongings. Unfortunately, that\u2019s usually not the case. While a landlord&#8217;s policy generally protects the building itself, your furniture, electronics, clothing, and other personal items are typically <em>your responsibility.<\/em><\/p>\n\n\n\n<p>That\u2019s why if you rent or lease a home, apartment, or condo, it\u2019s a good idea to get <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/tenant-insurance\/\" data-dig-id=\"LP-HomeInsurance-40557-01a03438\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"tenant insurance\" class=\"rbc-link-format\">tenant insurance<\/a> \u2014 a type of insurance policy designed specifically for renters.<\/p>\n\n\n\n<p>On the upside, tenant insurance typically costs much less than homeowners insurance, but still <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/why-renters-need-tenant-insurance\/\" data-dig-id=\"LP-HomeInsurance-40557-53acb74c\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"offers valuable protection\" class=\"rbc-link-format\">offers valuable protection<\/a> for:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\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>such as furniture, electronics, clothing, and other household items, if they&#8217;re damaged or stolen as the result of a covered event.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Personal liability<\/strong> if someone is injured in your home or you accidentally damage another person\u2019s property.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Additional living expenses<\/strong>, such as hotel stays, meals, and other essentials, if a covered event forces you to relocate while your home is being repaired.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Cottage insurance<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/cottage-insurance\/\" data-dig-id=\"LP-HomeInsurance-40557-bf61d495\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Seasonal home insurance\" class=\"rbc-link-format\">Seasonal home insurance<\/a> (also called cottage insurance) is a type of insurance designed to help protect your seasonal property, the belongings you keep there, and your personal liability if you\u2019re found legally responsible for injuring someone or damaging their property. It usually provides coverage for:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>The cottage structure<\/strong> itself, including built-in features and permanent structures.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Outdoor structures on the property<\/strong>, such as sheds, docks, boathouses, and hot tubs.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Personal belongings<\/strong> kept at the cottage, including furniture, recreational equipment, and clothing.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Liability protection,<\/strong> in case someone is injured on your property or you accidentally damage someone else\u2019s property.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>Risks that are typically covered include fire, theft, vandalism, some weather-related damage, and damage caused by animals \u2014 although different policies will have different levels of coverage. RBC Insurance offers flexible coverage options so you can choose the level of protection you need.<\/p>\n\n\n\n<p>Coverage can also vary depending on the property and how you use it. For example, you may want to consider adding <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/what-is-boat-insurance-canada\/\" data-dig-id=\"LP-HomeInsurance-40557-c9a25e25\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"boat\" class=\"rbc-link-format\">boat<\/a>, <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/atv-insurance\/\" data-dig-id=\"LP-HomeInsurance-40557-0ad4055a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"ATV,\" class=\"rbc-link-format\">ATV,<\/a> or <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/snowmobile-insurance\/\" data-dig-id=\"LP-HomeInsurance-40557-01ca30c6\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"snowmobile\" class=\"rbc-link-format\">snowmobile<\/a> insurance. If you\u2019re worried about overland flooding or sewer back-ups, you can top up your policy for water damage coverage.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-HomeInsurance-40557-9436b99f\" 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 work with you to figure out what best suits your situation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-choose-the-right-home-insurance-for-you\">How to choose the right home insurance for you<\/h2>\n\n\n\n<p>Choosing the right home insurance doesn\u2019t have to be overwhelming. Here are a few things to consider:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. What type of home do you own or rent?<\/h3>\n\n\n\n<p>The type of property plays a big role in determining the coverage needed:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Own a house<\/strong>? Consider homeowners insurance.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Own a condo unit<\/strong>? Condo insurance might be the best fit.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Renting an apartment, house, or condo?<\/strong> Tenant insurance can help safeguard your belongings and liability.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Own a cottage, cabin, or a seasonal property<\/strong>? You may need a separate policy in addition to your primary home insurance.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">2. What optional coverage should you consider?<\/h3>\n\n\n\n<p>Think about what coverage add-ons make sense for where you live and what\u2019s important to you.<\/p>\n\n\n\n<p>For example, overland water coverage may be worth considering if you\u2019re in an area prone to flooding. Sewer back-up coverage is likely smart if your home has a sump pump or septic system.<\/p>\n\n\n\n<p>Also consider the value of contents inside your home. If you own expensive items \u2014 like jewelry, artwork, or collectibles \u2014 check the limits on your policy, since there are usually caps on high-value possessions.<\/p>\n\n\n\n<p>Other add-ons could include coverage for major home renovations, cyberattacks and identity theft, or if you rent your home on a short-term basis.<\/p>\n\n\n\n<p>For all these scenarios, <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/property-insurance-endorsements\/\" data-dig-id=\"LP-HomeInsurance-40557-9001db14\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"insurance endorsements\" class=\"rbc-link-format\">insurance endorsements<\/a> may help fill any gaps and provide additional protection.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. What deductible can you afford?<\/h3>\n\n\n\n<p>Your deductible is your share of the bill when you make a claim. A higher deductible usually lowers your premium, but it also means paying more out-of-pocket costs if something goes wrong. Consider what amount you&#8217;d be comfortable paying if you have to make a claim. <\/p>\n\n\n\n<p>With RBC Insurance, the standard deductible is typically $1,000, but you may be able to increase or decrease that amount. If you are claims free, you may be eligible to purchase the Disappearing Deductible Endorsement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-buy-home-insurance\">How to buy home insurance<\/h2>\n\n\n\n<p>Your home is more than four walls and a roof. It\u2019s where you relax after a long day, celebrate milestones, store treasured belongings, and make memories with the people who matter most. The right home insurance policy can help secure what you\u2019ve worked hard to build and provide support when the unexpected happens.<\/p>\n\n\n\n<p>No matter what type of home you live in, there\u2019s a policy to protect it. By considering factors like the type of property you own or rent, the coverage you want, and the deductible you&#8217;re comfortable with, you can find a policy that fits your situation.<\/p>\n\n\n\n<p>Need insurance for your home or want to switch your policy or provider? You can quickly <a href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=BLOG_H36&amp;lang=EN\" data-dig-id=\"LP-HomeInsurance-40557-b6c2c87d\" 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\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-HomeInsurance-40557-f0cc1d0f\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"book a call with a licensed RBC Insurance advisor\" class=\"rbc-link-format\">book a call with a licensed RBC Insurance advisor<\/a> to learn more about home insurance.<\/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<section class=\"wp-block-rbc-section-block  pos-rel section-ads has-fff-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b-hlf mob-mar-b-hlf mob-pad-t-hlf\" id=\"h-great-rates-and-expert-advice-on-home-insurance\">Great Rates and Expert Advice on Home Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-lg-font-size\">Get a free online quote* for coverage to protect you, your property, and your belongings 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 aligncenter btn before 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=BLOG_H10&amp;lang=EN\" data-dig-id=\"LP-13861-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get My Quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=BLOG_H10&amp;lang=EN \">Get My Quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center  mar-t-hlf\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/\" target=\"_blank\" data-dig-id=\"LP-HomeInsurance-8140-d638f5be\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n<\/section>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-10384-2de7ba0a\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia. Not everyone who uses online platforms or calls in will be able to get a quote or buy an insurance policy.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Not sure which type of home insurance you need? Whether you\u2019re a homeowner, condo owner, or tenant, find the right coverage for you.<\/p>\n","protected":false},"author":208,"featured_media":40555,"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":false},"categories":[48],"tags":[13],"article-type":[80],"ppma_author":[187],"class_list":{"0":"post-40557","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-home-insurance","8":"tag-home-insurance","9":"article-type-advice-learning"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Types of Home Insurance in Canada: A Guide | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Not sure which type of home insurance you need? 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