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Can I Personalize My Insurance?

By RBC Insurance • Published March 31, 2021 • 3 Min Read

Whether you're single or have a family there's a mix of insurance that makes sense for your life. The coverage you choose may not be the same as someone else's because everyone's needs are different.

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

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

Where Do I Start?

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

Insurance Questions To Prepare For

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

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

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

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

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

Don’t Forget – You’re In Control

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

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

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

RBC Insurance

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

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

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

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