{"id":7283,"date":"2018-07-30T16:59:23","date_gmt":"2018-07-30T16:59:23","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/2018\/07\/30\/three-unconventional-ways-home-insurance-has-you-covered\/"},"modified":"2026-04-14T15:50:46","modified_gmt":"2026-04-14T19:50:46","slug":"three-ways-home-insurance-has-you-covered","status":"publish","type":"post","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/three-ways-home-insurance-has-you-covered","title":{"rendered":"Three Unconventional Ways Home Insurance Has You Covered"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" 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:\/\/silver.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Three Unconventional Ways Home Insurance Has You Covered<\/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=\"2018-07-30T16:59:23-04:00\">July 30, 2018<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">4 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:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"Carla Bragagnolo\">\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\">Carla Bragagnolo<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/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=\"930\" height=\"620\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Thumbnail-default-930x620-8.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"An RV beside a lake.\" style=\"object-fit:cover;\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Thumbnail-default-930x620-8.jpg 930w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Thumbnail-default-930x620-8.jpg?resize=300,200 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Thumbnail-default-930x620-8.jpg?resize=768,512 768w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Thumbnail-default-930x620-8.jpg?resize=420,280 420w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/><\/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=Three Unconventional Ways Home Insurance Has You Covered &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/three-ways-home-insurance-has-you-covered\" aria-label=\"Email\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/silver.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:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/three-ways-home-insurance-has-you-covered\" aria-label=\"Copy URL\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/silver.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=\"h4\"><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\">You have fire or water damage in the condo you own or rent:<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href='#h-you-have-fire-or-water-damage-in-the-condo-you-own-or-rent'>You have fire or water damage in the condo you own or rent:<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href='#h-you-need-to-live-somewhere-while-your-home-is-getting-repaired-or-worse-have-to-move'>You need to live somewhere while your home is getting repaired or worse, have to move:<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href='#h-you-lose-valuables-on-a-trip'>You lose valuables on a trip:<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>While millennials are coming up with new solutions to increasing housing prices, insurance plans are maintaining the pace with creative plans that cover different types of living situations. Just because you don\u2019t own a home doesn\u2019t mean you don\u2019t need to be protected. Below we lay out modern scenarios many millennials might find themselves in where home, condo or tenant insurance would have been a big help.<\/p>\n<h4 id=\"h-you-have-fire-or-water-damage-in-the-condo-you-own-or-rent\">You have fire or water damage in the condo you own or rent:<\/h4>\n<p>Most people think fire is the number one cause of home insurance claims, but, surprisingly, it\u2019s actually water damage. Your home or condo insurance can cover your belongings, so you don\u2019t have to buy everything brand new out of your own pocket. Take a moment to think about what you\u2019d have to replace if the worst happened and you lost everything. Really think about the cost of your clothes, furniture, appliances, cosmetics, and electronics. Those items alone can get expensive quite quickly, but you also have to consider the mundane things like sheets, towels, and dishes. Even if you did happen to have $10,000 lying around, this is probably not the way you\u2019d like to spend it.<\/p>\n<h4 id=\"h-you-need-to-live-somewhere-while-your-home-is-getting-repaired-or-worse-have-to-move\">You need to live somewhere while your home is getting repaired or worse, have to move:<\/h4>\n<p>Picture this: the worst has happened, and you need to stay in a hotel for a couple weeks while your home is being repaired. Home insurance will cover your hotel costs. In fact, the absolute worst case, if you need to hire movers to move items into a new condo or home, the right insurance policy can make sure you\u2019re covered for that as well.<\/p>\n<h4 id=\"h-you-lose-valuables-on-a-trip\">You lose valuables on a trip:<\/h4>\n<p>We all have some version of a travelling story that involves leaving a laptop<sup>1<\/sup> behind on a flight or having a camera stolen right out from under our nose. Losing expensive hardware is a valid fear for many while travelling and something that can cast a terrible shadow over an otherwise wonderful trip. <b>It doesn\u2019t have to be this way.<\/b> A little-known fact about home, condo or tenant insurance is that it extends beyond just covering items in your home \u2013 it can cover items that you lose on a trip. It might be better to pay a $500 deductible<sup>2<\/sup> for an insurance claim rather than pay $5,000 for a brand-new camera. You can go a step further and specifically list items like your camera, laptop, or GoPro so that if something happens on a trip you would pay a lower deductible, but this comes with a price tag.<\/p>\n<p>Even though millennial living situations might be vastly different than the previous generation, it doesn\u2019t mean that millennials don\u2019t need to be insured. RBC Insurance has options to cover your living arrangements. You can make an appointment with an advisor who will give you personalized advice based on your unique living situation \u2013 there is no cost for advice and no obligation to buy.<\/p>\n<p>Learn more about <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/?utm_source=Discover-Learn-Insurance&amp;utm_medium=referral&amp;utm_campaign=dl-176623\" target=\"_blank\" rel=\"noopener noreferrer\">home insurance<\/a> options or speak with an <a href=\"https:\/\/services.rbcinsurance.com\/StoreAdvisorLocator\/?utm_source=Discover-Learn-Insurance&amp;utm_medium=referral&amp;utm_campaign=dl-176623\" target=\"_blank\" rel=\"noopener noreferrer\">RBC Insurance advisor<\/a> to make sure you\u2019re covered and can focus on what you love to do.<\/p>\n<p>We also have options tailored to all millennial facets of life. Check out how we can help cover you for <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/health-insurance\/disability-insurance\/?utm_source=Discover-Learn-Insurance&amp;utm_medium=referral&amp;utm_campaign=dl-176623\" target=\"_blank\" rel=\"noopener noreferrer\">protecting your income<\/a> and your <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/?utm_source=Discover-Learn-Insurance&amp;utm_medium=referral&amp;utm_campaign=dl-176623\" target=\"_blank\" rel=\"noopener noreferrer\">loved ones<\/a>.<\/p>\n<h6>Property and auto insurance for individuals and families is underwritten by Aviva General Insurance Company.<br \/>1) Insurance excludes the cost of data reproduction on computers.<br \/>2) Deductible: the amount of money you pay in an insurance claim before the insurance coverage pays for you.<\/h6>\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 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_H14&amp;lang=EN\" data-dig-id=\"LP-HomeInsurance-7283-476a44f4\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"button click\" data-dig-label=\"Get My Quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=BLOG_H14&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:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/\" target=\"_blank\" data-dig-id=\"LP-HomeInsurance-7283-8e18a5a0\" 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-HomeInsurance-14506-2de7ba0a\" data-dig-category=\"LP-HomeInsurance\" 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.<\/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\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><\/p>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Are you currently renting your home? Home ownership isn&#8217;t the only reason you should get home insurance, it can protect you even if you&#8217;re renting<\/p>\n","protected":false},"author":203,"featured_media":7296,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[48],"tags":[64,24],"article-type":[80],"ppma_author":[190],"class_list":["post-7283","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-insurance","tag-first-time-homeowners","tag-home","article-type-advice-learning"],"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>Three Unconventional Ways Home Insurance Has You Covered | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Home insurance can have you covered in unconventional ways. Learn more about some example scenarios where you could be protected.\" \/>\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\/advice-learning\/home-insurance\/three-ways-home-insurance-has-you-covered\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Three Unconventional Ways Home Insurance Has You Covered | RBC Insurance\" \/>\n<meta property=\"og:description\" content=\"Home insurance can have you covered in unconventional ways. 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