{"id":15286,"date":"2024-10-30T12:31:13","date_gmt":"2024-10-30T12:31:13","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/?page_id=15286"},"modified":"2026-03-27T15:26:33","modified_gmt":"2026-03-27T19:26:33","slug":"homeowners-insurance","status":"publish","type":"page","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/homeowners-insurance\/","title":{"rendered":"Homeowners Insurance"},"content":{"rendered":"\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__HeroImageBackground  hasDarkBg\" style=\"background:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/homeowners_insurance_hero-desktop.webp) no-repeat;--bghero-mobi-url:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/homeowners_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:\/\/silver.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span><\/p>\n\n\n\n<h1 class=\"wp-block-heading rbc-callout-heading\" id=\"h-homeowners-insurance\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FFFFFF\" class=\"has-inline-color\">Homeowners insurance<\/mark><\/h1>\n\n\n\n<p class=\"rbc-override-margin p-large\">Your home is one of the biggest purchases you\u2019ll ever make. Help protect it and your financial future with the right insurance coverage.<\/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=E4HPPOGT&amp;lang=EN\" data-dig-id=\"LP-15286-f3ef72d1\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get your free quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=E4HPPOGT&amp;lang=EN \">Get your free quote<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\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 mar-t-0 mar-b-0\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-protect-your-most-valuable-investment\">Protect your most valuable investment<\/h2>\n\n\n\n<p class=\"has-text-align-center\">Your home is your sanctuary\u2014it houses your family and stores the belongings you\u2019ve collected over the years. But unexpected events can damage your home and its contents, from fires and storms to theft and vandalism. Thankfully, homeowner\u2019s insurance can help cover your costs if your home or its contents get damaged or lost.<\/p>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout6 mar-t-dbl mob-mar-t-dbl\">\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-how-homeowners-insurance-protects-you-1\"><span class=\"partial__border-bottom\">How homeowners insurance protects you<sup><a href=\"#legal-1\" data-dig-id=\"LP-15286-634e2aec\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1\" class=\"rbc-link-format\">1<\/a><\/sup><\/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-group layoutSelector__is-flex layoutSelector__direction-col flex-2\/3 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\" style=\"--icon-url:url(undefined);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\" id=\"h-your-home\">Your home<\/h4>\n<\/div>\n\n\n\n<p>Helps to protect your home and detached structures on your property (such as a storage shed) against insured risks like fire, wind, hail, theft and more.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);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\" id=\"h-your-belongings\">Your belongings<\/h4>\n<\/div>\n\n\n\n<p>Helps to protect you financially against insured damage or loss to furniture, clothing and other personal property inside your home or vehicle.<\/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\" style=\"--icon-url:url(undefined);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\" id=\"h-living-expenses\">Living expenses<\/h4>\n<\/div>\n\n\n\n<p>Helps cover expenses like a hotel room, storage costs and more if you can\u2019t live in your home while repairs are being made after an insured loss.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);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\" id=\"h-liability-claims\">Liability claims<\/h4>\n<\/div>\n\n\n\n<p>Helps to protect you financially if you accidentally cause property damage or bodily injury to others \u2014 at home or anywhere in the world.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left mar-t-dbl mob-mar-t-dbl\" id=\"h-plan-overview-1\">Plan overview<sup><a href=\"#legal-1\" data-dig-id=\"LP-15286-177cb1e9\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1\" class=\"rbc-link-format\">1<\/a><\/sup><\/h2>\n\n\n\n<p class=\"has-text-align-left p-large\"><span class=\"partial__border-bottom\">The Comprehensive Homeowners Insurance Policy provides affordable protection against a wide range of risks.<\/span><\/p>\n\n\n\n<div class=\"wp-block-rbc-basic-tables basicTables mar-t mob-mar-t\">\n<div class=\"wp-block-rbc-basic-table basicTable\"><div class=\"basicTable__sliderNav\" role=\"navigation\" aria-label=\"Table navigation\"><div class=\"basicTable__navArrow basicTable__prevArrow\" aria-label=\"Previous\"><\/div><div class=\"basicTable__sliderDots\" role=\"tablist\" aria-label=\"Table pagination\"><\/div><div class=\"basicTable__navArrow basicTable__nextArrow\" aria-label=\"Next\"><\/div><\/div><table class=\"basicTable__table\" role=\"table\" aria-label=\"Comparison table\">\n<thead class=\"wp-block-rbc-basic-table-head basicTableHead\" role=\"rowgroup\" aria-label=\"Table head\">\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<th class=\"wp-block-rbc-basic-table-header basicTableHeader\" role=\"columnheader\" scope=\"col\">\n<h4 class=\"wp-block-heading\" id=\"h-coverage-type\">Coverage type<\/h4>\n<\/th>\n\n\n\n<th class=\"wp-block-rbc-basic-table-header basicTableHeader\" role=\"columnheader\" scope=\"col\">\n<h4 class=\"wp-block-heading\" id=\"h-plan-details\">Plan details<\/h4>\n<\/th>\n<\/tr>\n<\/thead>\n\n\n\n<tbody class=\"wp-block-rbc-basic-table-body basicTableBody\" role=\"rowgroup\" aria-label=\"Table body\">\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/home-insurance-terms\/\" target=\"_blank\" data-dig-id=\"LP-30491-03ddd7d8\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Dwelling\/Building\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Dwelling\/Building<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/home-insurance-terms\/\" target=\"_blank\" data-dig-id=\"LP-30491-cee76a92\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"All Perils Coverage\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">All Perils Coverage<\/a><br>Coverage for up to 100% of the&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/home-insurance-terms\/\" data-dig-id=\"LP-30491-7545c370\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Replacement Cost\" class=\"rbc-link-format\">Replacement Cost<\/a><br><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/home-insurance-terms\/\" data-dig-id=\"LP-30491-28eaae56\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Guaranteed Replacement Cost\" class=\"rbc-link-format\">Guaranteed Replacement Cost<\/a>&nbsp;included<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/home-insurance-terms\/\" target=\"_blank\" data-dig-id=\"LP-30491-1eb3d36f\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Detached Private Structures\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Detached Private Structures<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/home-insurance-terms\/\" target=\"_blank\" data-dig-id=\"LP-30491-ab025c60\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"All Perils Coverage\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">All Perils Coverage<\/a><br>Coverage for up to 15% of Dwelling Coverage<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/home-insurance-terms\/\" target=\"_blank\" data-dig-id=\"LP-30491-60e63dd3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Personal Belongings\/Contents\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Personal Belongings\/Contents<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/home-insurance-terms\/\" target=\"_blank\" data-dig-id=\"LP-30491-aefb2f89\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"All Perils Coverage\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">All Perils Coverage<\/a><br>Coverage for up to 80% of Dwelling Coverage<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/special-limits\/\" target=\"_blank\" data-dig-id=\"LP-30491-5bc3532b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Special Limits on Certain Personal Belongings\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Special Limits on Certain Personal Belongings<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Yes, view&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/special-limits\/\" data-dig-id=\"LP-30491-918ab87c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"special limits\" class=\"rbc-link-format\">special limits<\/a><\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/home-insurance-terms\/\" target=\"_blank\" data-dig-id=\"LP-30491-584ca988\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Non-owned Property\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Non-owned Property<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>Covered<\/strong><\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/home-insurance-terms\/\" target=\"_blank\" data-dig-id=\"LP-30491-a140ad97\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Personal Property at Other Location\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Personal Property at Other Location<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Covered (while away from home temporarily)<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/home-insurance-terms\/\" target=\"_blank\" data-dig-id=\"LP-30491-71ef99ff\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Property in Your Vehicle\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Property in Your Vehicle<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Covered for up to&nbsp;<strong>100%<\/strong>&nbsp;of Contents Coverage<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/home-insurance-terms\/\" target=\"_blank\" data-dig-id=\"LP-30491-a081925c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Liability Coverage\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Liability Coverage<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>$1,000,000-$2,000,000<\/strong><\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/home-insurance-terms\/\" target=\"_blank\" data-dig-id=\"LP-30491-30a4e626\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Voluntary Medical Payments\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Voluntary Medical Payments<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>$5,000<\/strong><\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/home-insurance-terms\/\" target=\"_blank\" data-dig-id=\"LP-30491-3743a17f\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Voluntary Property Damage\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Voluntary Property Damage<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>$1,000<\/strong><\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/home-insurance-terms\/\" target=\"_blank\" data-dig-id=\"LP-30491-8941acfe\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Additional Living Expenses\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Additional Living Expenses<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Covered for up to&nbsp;<strong>25%<\/strong>&nbsp;of Dwelling Coverage<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/coverage-extensions\/\" target=\"_blank\" data-dig-id=\"LP-30491-d6dc204b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Extensions of Coverage\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Extensions of Coverage<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Yes, view&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/coverage-extensions\/\" data-dig-id=\"LP-30491-8faf9baa\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"extensions of coverage\" class=\"rbc-link-format\">extensions of coverage<\/a><\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/property-insurance-endorsements\/\" target=\"_blank\" data-dig-id=\"LP-30491-2aa0b348\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Optional Endorsements\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Optional Endorsements<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Available, view&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/property-insurance-endorsements\/\" data-dig-id=\"LP-30491-ddac0a4f\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"endorsements\" class=\"rbc-link-format\">endorsements<\/a><\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/home-insurance-terms\/\" target=\"_blank\" data-dig-id=\"LP-30491-b5483087\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Deductible\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Deductible<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>$1,000<\/strong><\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/home-insurance-terms\/\" target=\"_blank\" data-dig-id=\"LP-30491-4e821cf9\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Deductible Waiver\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Deductible Waiver<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Yes, if claim&nbsp;<strong>exceeds $25,000<\/strong><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__image  showPostalCode\" 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-whatever-your-needs-we-can-help\">Whatever your needs, we can help.<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">See what your homeowners insurance would cost. Get an online quote now.<\/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  get-your-free-quote 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=autoandhome&amp;campaignID=E4IDBOGT&amp;lang=EN\" data-dig-id=\"LP-15286-8658bef1\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=autoandhome&amp;campaignID=E4IDBOGT&amp;lang=EN \">Book a call<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\" get-your-free-quote \">or<\/p>\n\n\n\n<p class=\" get-your-free-quote \">Call <a href=\"tel:1-866-847-8832\">1-866-847-8832<\/a><\/p>\n\n\n\n<div class=\"wp-block-rbc-postal-code postal-code-form  postal-code\" data-custom-url=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=E4HPPOGT&amp;Lang=EN\"><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-15286-3543b3d1\" 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\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Want to speak to an advisor? <a href=\"https:\/\/silver.rbcinsurance.com\/request-a-call\/home-insurance\/index.html\" data-dig-id=\"LP-15286-5f169fb6\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Book a call now.\" class=\"rbc-link-format\">Book a call now.<\/a><\/p>\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-large\"><img loading=\"lazy\" decoding=\"async\" width=\"606\" height=\"573\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/home-insurance-cta.webp?quality=80&amp;w=606\" alt=\"A young couple protected by homeowners insurance\" class=\"wp-image-18127\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/home-insurance-cta.webp 606w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/home-insurance-cta.webp?resize=300,284 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/home-insurance-cta.webp?resize=412,390 412w\" 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>Frequently asked questions about homeowners insurance<\/h2><p class=\"p-large\"><span class=\"partial__border-bottom\">Find answers to your questions about home insurance coverage, deductible and premiums.<\/span><\/p><\/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=\"Coverage\">\n\t\t\t\t\tCoverage\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\tCoverage\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\tDeductibles and premiums\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<\/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\">Coverage<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Deductibles and premiums<\/div><\/div><p class=\"faqWrapper__helpText\">Still have questions? <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/contact-us\/\" data-dig-id=\"LP-15286-f3e47b12\" 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>Coverage<\/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-titlev0x9e5a4\" class=\"collapse-toggle collapsed\" data-target=\"#accordionv0x9e5a4\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15286-v0x9e5a4\" aria-controls=\"accordionv0x9e5a4\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What does home insurance usually protect?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What does home insurance usually protect?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionv0x9e5a4\" role=\"region\" aria-labelledby=\"accordion-titlev0x9e5a4\"><div class=\"collapse-inner\">\n<p>It depends on the type of home you live in. If you own a house, your property insurance will cover the house itself and detached structures like a fence or storage shed.<\/p>\n\n\n\n<p>Your insurance will also cover personal belongings such as jewellery, artwork, furniture, computers, carpets and more.<\/p>\n\n\n\n<p>Finally, your policy also includes third-party liability coverage. This protects you against personal liability if somebody is injured while on your property or if you accidentally cause damage to a neighbour&#8217;s property.<\/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-titlehcxvidca\" class=\"collapse-toggle collapsed\" data-target=\"#accordionhcxvidca\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15286-hcxvidca\" aria-controls=\"accordionhcxvidca\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"When should I buy home insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>When should I buy home insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionhcxvidca\" role=\"region\" aria-labelledby=\"accordion-titlehcxvidca\"><div class=\"collapse-inner\">\n<p>Your coverage should begin as soon as you become the legal owner or tenant, even if your home or condo unit is still being built.<\/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-titlehvh26heb\" class=\"collapse-toggle collapsed\" data-target=\"#accordionhvh26heb\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15286-hvh26heb\" aria-controls=\"accordionhvh26heb\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is the difference between All Perils and Specified Perils coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is the difference between All Perils and Specified Perils coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionhvh26heb\" role=\"region\" aria-labelledby=\"accordion-titlehvh26heb\"><div class=\"collapse-inner\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>All Perils<\/strong>&nbsp;protects your insured property against the widest range of risks and only excludes the perils specifically listed in your policy.<\/li>\n\n\n\n<li><strong>Specified Perils<\/strong>&nbsp;protects your insured property against the most common risks, which will be listed in your policy.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleq9fntd5y\" class=\"collapse-toggle collapsed\" data-target=\"#accordionq9fntd5y\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15286-q9fntd5y\" aria-controls=\"accordionq9fntd5y\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Why do I need tenant insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Why do I need tenant insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionq9fntd5y\" role=\"region\" aria-labelledby=\"accordion-titleq9fntd5y\"><div class=\"collapse-inner\">\n<p>The owner of the property you&#8217;re renting almost certainly has insurance on the building itself. They may also have coverage for certain items inside your rental unit, such as the carpets, light fittings and appliances. So you may wonder why you need coverage too.<\/p>\n\n\n\n<p>Here are two excellent reasons:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Your landlord&#8217;s insurance will not cover your personal belongings. Your jewellery, artwork, furniture, entertainment equipment and other valuable belongings will not be protected.<\/li>\n\n\n\n<li>You also need to protect yourself against personal liability for injuries to visitors to your home or for damage you accidentally cause to a neighbours&#8217; property.<\/li>\n<\/ul>\n\n\n\n<p>For details, see:&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/tenant-insurance\/\" data-dig-id=\"LP-15286-0661f5df\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Tenant Insurance.\" class=\"rbc-link-format\">Tenant Insurance.<\/a><\/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-titlec1hnq6am\" class=\"collapse-toggle collapsed\" data-target=\"#accordionc1hnq6am\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15286-c1hnq6am\" aria-controls=\"accordionc1hnq6am\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Why do I need condo insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Why do I need condo insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionc1hnq6am\" role=\"region\" aria-labelledby=\"accordion-titlec1hnq6am\"><div class=\"collapse-inner\">\n<p>Your condominium corporation has insurance, so you may wonder why you need your own coverage.<\/p>\n\n\n\n<p>Here are three excellent reasons:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Your condominium corporation&#8217;s policy will not cover your personal belongings. Your jewellery, artwork, furniture, entertainment equipment and other valuable belongings will not be protected.<\/li>\n\n\n\n<li>Your condominium corporation&#8217;s policy only covers items that are part of the building. You need your own insurance to protect the upgrades you have made inside your unit, such as better carpets and built-in cupboards.<\/li>\n\n\n\n<li>Finally, you need to protect yourself against personal liability for injuries to visitors to your home or for damage you accidentally cause to a neighbours&#8217; property.<\/li>\n<\/ul>\n\n\n\n<p>For details, see:&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/condo-insurance\/\" data-dig-id=\"LP-15286-c27ffbb2\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Condo Insurance.\" class=\"rbc-link-format\">Condo Insurance.<\/a><\/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-title09m319eq\" class=\"collapse-toggle collapsed\" data-target=\"#accordion09m319eq\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15286-09m319eq\" aria-controls=\"accordion09m319eq\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How does liability insurance protect me?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How does liability insurance protect me?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion09m319eq\" role=\"region\" aria-labelledby=\"accordion-title09m319eq\"><div class=\"collapse-inner\">\n<p>The liability coverage included in a homeowners, condo or tenant insurance plan protects you financially if you unintentionally cause bodily injury or property damage to others\u2014at your home or anywhere in the world. For example:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>A babysitter slips on a spill on your kitchen floor and injures her back.<\/li>\n\n\n\n<li>Your toaster oven catches fire, damaging your home\/unit and part of your neighbour&#8217;s home\/unit.<\/li>\n\n\n\n<li>You throw a baseball on the beach while on vacation in Florida and you accidentally knock out a bystander&#8217;s tooth.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title8ltdamhj\" class=\"collapse-toggle collapsed\" data-target=\"#accordion8ltdamhj\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15286-8ltdamhj\" aria-controls=\"accordion8ltdamhj\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Does my home insurance policy cover all water losses?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Does my home insurance policy cover all water losses?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion8ltdamhj\" role=\"region\" aria-labelledby=\"accordion-title8ltdamhj\"><div class=\"collapse-inner\">\n<p>Insurance coverage for water damage depends on a number of things, like where you live and how your home was constructed. Insurance for some types of water damage may be included automatically in your policy, and some may need to be purchased as extra.<\/p>\n\n\n\n<p>Examples of causes of water damage that aren\u2019t covered under most standard home insurance plans are flooding and seepage:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>Flooding<\/strong>&nbsp;results in damage from water that flows into your home from natural sources like lakes and rivers, or large amounts of pooled water.<\/li>\n\n\n\n<li><strong>Seepage<\/strong>&nbsp;refers to the slow movement of water or other fluid through small openings, cracks or pores in your home.<\/li>\n<\/ul>\n\n\n\n<p>Causes of water damage that are usually covered by most standard home insurance plans (or can be added by endorsement) include:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>Sewer back-up:<\/strong>&nbsp;Water is forced through the sewer system back into your home, or your sump pump fails. (Sewer back-up can be added by endorsement)<\/li>\n\n\n\n<li><strong>Water Escape:<\/strong>&nbsp;This covers water damage that may be caused when your bath or sink overflows or a pipe or hose inside your house breaks.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title6pljpy9u\" class=\"collapse-toggle collapsed\" data-target=\"#accordion6pljpy9u\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15286-6pljpy9u\" aria-controls=\"accordion6pljpy9u\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Will my home insurance policy include earthquake coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Will my home insurance policy include earthquake coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion6pljpy9u\" role=\"region\" aria-labelledby=\"accordion-title6pljpy9u\"><div class=\"collapse-inner\">\n<p>Not automatically. However, you can purchase earthquake coverage for an additional premium. For details, see&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/property-insurance-endorsements\/\" data-dig-id=\"LP-15286-7004f72a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Endorsements for Your Property\" class=\"rbc-link-format\">Endorsements for Your Property<\/a>.<\/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-title90l9enw9\" class=\"collapse-toggle collapsed\" data-target=\"#accordion90l9enw9\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15286-90l9enw9\" aria-controls=\"accordion90l9enw9\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Will my home insurance cover my personal belongings when I\u2019m travelling?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Will my home insurance cover my personal belongings when I\u2019m travelling?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion90l9enw9\" role=\"region\" aria-labelledby=\"accordion-title90l9enw9\"><div class=\"collapse-inner\">\n<p>Most property insurance will protect your belongings when you travel. For example, if your luggage is stolen from a hotel room or your car, you may be covered for the 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-titley7ab7s2d\" class=\"collapse-toggle collapsed\" data-target=\"#accordiony7ab7s2d\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15286-y7ab7s2d\" aria-controls=\"accordiony7ab7s2d\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I have done renovations and improvements. Will my home insurance replace these upgrades?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I have done renovations and improvements. Will my home insurance replace these upgrades?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiony7ab7s2d\" role=\"region\" aria-labelledby=\"accordion-titley7ab7s2d\"><div class=\"collapse-inner\">\n<p>Remodeling your home may change the valuation placed on your property. If you build a major addition or swimming pool, you will need to update your insurance 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-titlerc80aarz\" class=\"collapse-toggle collapsed\" data-target=\"#accordionrc80aarz\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15286-rc80aarz\" aria-controls=\"accordionrc80aarz\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is \u201coverland water\u201d?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is \u201coverland water\u201d?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionrc80aarz\" role=\"region\" aria-labelledby=\"accordion-titlerc80aarz\"><div class=\"collapse-inner\">\n<p>Overland water is fresh water that accumulates on land which is usually dry, resulting from torrential rain or snow melt or the overflow of lakes, streams and rivers.<\/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-title21o0jpd0\" class=\"collapse-toggle collapsed\" data-target=\"#accordion21o0jpd0\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15286-21o0jpd0\" aria-controls=\"accordion21o0jpd0\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I have the Sewer Back-up Coverage endorsement. Why should I purchase the Overland Water endorsement?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I have the Sewer Back-up Coverage endorsement. Why should I purchase the Overland Water endorsement?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion21o0jpd0\" role=\"region\" aria-labelledby=\"accordion-title21o0jpd0\"><div class=\"collapse-inner\">\n<p>We\u2019ve made the Overland Water endorsement available for purchase in response to the effects of changing weather patterns and the increasing number of severe storm events that often cause property damage.<\/p>\n\n\n\n<p>If you purchase this additional protection, you will have coverage for damage caused by overland water entering your property from torrential rains, rapid snow melt, or overflow of lakes, streams and rivers. This includes coverage for loss or damage from the sudden and accidental entry of overland fresh water through foundations, basement walls or basement doors. This coverage is not included in the Sewer Back-up Coverage endorsement.<\/p>\n\n\n\n<p>The Sewer Back-up Coverage endorsement also provides very important coverage. This includes the sudden and accidental backing up of water or sewage through:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Drains, waste and sewer pipes that are underground or outside the building<\/li>\n\n\n\n<li>Septic tanks, septic systems or connected piping located outside the building<\/li>\n\n\n\n<li>Retention tanks or holding ponds, sump pits, sump pumps and their attached piping or equipment<\/li>\n\n\n\n<li>Eaves troughs or downspouts<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlef1q14mg1\" class=\"collapse-toggle collapsed\" data-target=\"#accordionf1q14mg1\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15286-f1q14mg1\" aria-controls=\"accordionf1q14mg1\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What does the Overland Water endorsement not cover?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What does the Overland Water endorsement not cover?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionf1q14mg1\" role=\"region\" aria-labelledby=\"accordion-titlef1q14mg1\"><div class=\"collapse-inner\">\n<p>This endorsement does not cover:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Damage from coastal flooding of salt water, including spray or storm surge<\/li>\n\n\n\n<li>Seepage through basement walls, doors or foundations that is not caused by overland water<\/li>\n\n\n\n<li>Loss or damage from water resulting from the intentional breaches of structures such as dams, dykes and levees<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlegzipm8rl\" class=\"collapse-toggle collapsed\" data-target=\"#accordiongzipm8rl\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15286-gzipm8rl\" aria-controls=\"accordiongzipm8rl\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What coverage makes up the Home Repair Bundle?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What coverage makes up the Home Repair Bundle?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiongzipm8rl\" role=\"region\" aria-labelledby=\"accordion-titlegzipm8rl\"><div class=\"collapse-inner\">\n<p>The Home Repair Bundle includes three services&nbsp;for $125 per year:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>Home Repair Assure<\/strong>&nbsp;to fix a minor issue before it leads to a large claim.<\/li>\n\n\n\n<li><strong>Claim Prevent<\/strong>&nbsp;to help prevent a further claim occurring from the same cause after a claim has already occurred.<\/li>\n\n\n\n<li><strong>HALO Assist<\/strong>&nbsp;for free access to phone advice from legal and home repair experts.<\/li>\n<\/ul>\n\n\n\n<p>In addition to the home repair service, you have access to unlimited information about covered repair issues in your home. You can call the toll-free number any day, any time and a service representative can answer questions you may have about home issues and repairs. If your home repair issue is not covered under the program, you can choose to be referred to a trusted service provider in your area. You can then arrange and pay for service directly with them.<\/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-titleuhi0pke8\" class=\"collapse-toggle collapsed\" data-target=\"#accordionuhi0pke8\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15286-uhi0pke8\" aria-controls=\"accordionuhi0pke8\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I use the Home Repair Bundle services as soon as I purchase the endorsement?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I use the Home Repair Bundle services as soon as I purchase the endorsement?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionuhi0pke8\" role=\"region\" aria-labelledby=\"accordion-titleuhi0pke8\"><div class=\"collapse-inner\">\n<p>This depends on the service:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Claim Prevent can be used immediately after a covered claim.<\/li>\n\n\n\n<li>The services in HALO Assist can be used immediately after the date your coverage starts.<\/li>\n\n\n\n<li>For the Home Repair Assure portion of the endorsement, there is a 45-day waiting period from the date your coverages starts.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleczor1nsx\" class=\"collapse-toggle collapsed\" data-target=\"#accordionczor1nsx\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15286-czor1nsx\" aria-controls=\"accordionczor1nsx\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I purchase only one or two of the three services offered in the Home Repair Bundle?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I purchase only one or two of the three services offered in the Home Repair Bundle?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionczor1nsx\" role=\"region\" aria-labelledby=\"accordion-titleczor1nsx\"><div class=\"collapse-inner\">\n<p>The services cannot be purchased separately.<\/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>Deductibles and premiums<\/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-titleowyq6d8x\" class=\"collapse-toggle collapsed\" data-target=\"#accordionowyq6d8x\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15286-owyq6d8x\" aria-controls=\"accordionowyq6d8x\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is an insurance deductible?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is an insurance deductible?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionowyq6d8x\" role=\"region\" aria-labelledby=\"accordion-titleowyq6d8x\"><div class=\"collapse-inner\">\n<p>The deductible is the amount you must pay out-of-pocket for each claim before your insurance policy pays.<\/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-titlez6fo0fkt\" class=\"collapse-toggle collapsed\" data-target=\"#accordionz6fo0fkt\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15286-z6fo0fkt\" aria-controls=\"accordionz6fo0fkt\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What are my deductible options for home insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What are my deductible options for home insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionz6fo0fkt\" role=\"region\" aria-labelledby=\"accordion-titlez6fo0fkt\"><div class=\"collapse-inner\">\n<p>The standard deductible amount is $1,000 for homeowner, condominium owner or tenant insurance policies. You may be eligible to increase or decrease your deductible amount, which may impact your insurance premium. Since the deductible amount is what you pay out-of-pocket for a claim, it is important you choose an amount that you can afford if you ever need to make a 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-titleao67ir72\" class=\"collapse-toggle collapsed\" data-target=\"#accordionao67ir72\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15286-ao67ir72\" aria-controls=\"accordionao67ir72\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Will my deductible apply to all types of property insurance claims?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Will my deductible apply to all types of property insurance claims?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionao67ir72\" role=\"region\" aria-labelledby=\"accordion-titleao67ir72\"><div class=\"collapse-inner\">\n<p>In most cases for property loss or damage, a deductible will apply. However, there are certain instances when you will not have to pay a deductible for property losses.<\/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-titlehnm9ldg7\" class=\"collapse-toggle collapsed\" data-target=\"#accordionhnm9ldg7\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15286-hnm9ldg7\" aria-controls=\"accordionhnm9ldg7\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How can I save on my home insurance premiums?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How can I save on my home insurance premiums?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionhnm9ldg7\" role=\"region\" aria-labelledby=\"accordion-titlehnm9ldg7\"><div class=\"collapse-inner\">\n<p>Here are some of the best tips for saving through RBC Insurance.<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Lower your premium by choosing a higher deductible<\/li>\n\n\n\n<li>Combine your insurance through us<\/li>\n\n\n\n<li>Install a home security system<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlexn8s7sxm\" class=\"collapse-toggle collapsed\" data-target=\"#accordionxn8s7sxm\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15286-xn8s7sxm\" aria-controls=\"accordionxn8s7sxm\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How can I pay for my home insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How can I pay for my home insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionxn8s7sxm\" role=\"region\" aria-labelledby=\"accordion-titlexn8s7sxm\"><div class=\"collapse-inner\">\n<p>You have several choices for paying your home insurance including: a major credit card (Visa, MasterCard or American Express) or preauthorized withdrawals from your bank account. Your Advisor will work with you to set up the payment plan method that works best for you.<\/p>\n\n\n\n<p>You may use a Visa debit or MasterCard debit for your initial payment, but have to select one of the options above for any future payments.<\/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-titlejbdb1yao\" class=\"collapse-toggle collapsed\" data-target=\"#accordionjbdb1yao\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15286-jbdb1yao\" aria-controls=\"accordionjbdb1yao\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Will my premium increase if I use any of the services offered under the Home Repair Bundle?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Will my premium increase if I use any of the services offered under the Home Repair Bundle?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionjbdb1yao\" role=\"region\" aria-labelledby=\"accordion-titlejbdb1yao\"><div class=\"collapse-inner\">\n<p>Using any of the services provided under the Home Repair Bundle won\u2019t affect your claims history or claims-free discount therefore will not increase your premiums.The Home Repair Bundle is designed to help you proactively reduce and prevent the same claims from occurring and provide further protection with assistance services.<\/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-titlewrpacjj9\" class=\"collapse-toggle collapsed\" data-target=\"#accordionwrpacjj9\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15286-wrpacjj9\" aria-controls=\"accordionwrpacjj9\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Will my premium increase if I make a claim under the Identity Theft Expense endorsement?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Will my premium increase if I make a claim under the Identity Theft Expense endorsement?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionwrpacjj9\" role=\"region\" aria-labelledby=\"accordion-titlewrpacjj9\"><div class=\"collapse-inner\">\n<p>If you make a claim under this endorsement, your premium, claims history and claims-free discount will not be affected therefore will not increase your premiums. You do not have to pay your policy deductible if you have an Identity Theft claim.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<p class=\"faqWrapper__helpText\">Still have questions? <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/contact-us\/\" data-dig-id=\"LP-15286-f3e47b12\" 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<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-15286-27a82148\" 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>The information above is a summary only and does not include all terms, conditions, limits and exclusions.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Plan overview1 The Comprehensive Homeowners Insurance Policy provides affordable protection against a wide range of risks.<\/p>\n","protected":false},"author":196,"featured_media":0,"parent":15274,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-15286","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Homeowners Insurance | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Explore how homeowners insurance protects you and get advice to keep in mind when considering your coverage options through RBC Insurance.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/homeowners-insurance\/\" \/>\n<meta property=\"og:locale\" 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