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The first rule of saving money is to shop around for the best price. Make sure you’re not overpaying for home insurance by comparing insurance providers before you settle on one. makes comparing multiple home insurance companies a snap. We don’t sell insurance — we’re completely independent — but we can show you which insurer is offering the lowest price. Just enter your postal code and in 3 minutes we’ll show you rates from Canada’s big banks and independent lenders. Best of all? It’s free.

What people say after comparing rates on

Based on 452 reviews
June 27
Very helpful
Very helpful
Ernest Basford
June 26
Definitely recommend!
Website is very easy to navigate and all details are provided and explained clea...
June 24
The team was very quick and helpful with all of my questions
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June 23
Excellent opportunity
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Best experience!
Exc, friendly customer service!
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June 22
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June 22
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Good job with the speed of a service
Good job with the speed of a service
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June 18
Fast service
I was on line researching home and auto insurance, at one point I clicked on the...
T. Thompson
June 18
Great website First place I go to for…
Great website First place I go to for insurance quotes
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June 18
saving money
Interested with the results
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June 15
prompt and diligent
prompt and diligent
June 6
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June 4
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June 3
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June 3
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May 30
Spoke to a broker about insurance…
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May 18
Lowest Insurance rate I have ever comes…
Lowest Insurance rate I have ever comes across. My broker Tracy is easy to talk ...
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May 17
I have had a good expierience with the…
I have had a good expierience with the insurance agent, but I need more time to ...
Earl Thompson
May 13
Car and home insurance
It was great experience and very helpful for what I needed!!!!
Maria GEstrela
May 11
Very accurate quotes that are fast …
Very accurate quotes that are fast thanks guys
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Very pleasant and helpful. No pressure there for the client
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April 12
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March 30
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Ian Stevens

How comparing home insurance quotes works. Hint: it’s free!


Next, we’ll show you quotes from 50+ Canadian providers. It’s free, with no commitment.


When you find the best quote, secure your rate by talking to a licensed broker or agent.

Meet RBC home insurance.

Being an RBC Home Insurance customer means doing business with one of the largest banks in Canada—the Royal Bank of Canada. Founded in Montreal in 1864, it is now a global financial services company and one of this country’s most-profitable firms, with total earnings of $12.4 billion in 2018. It also has the largest brick-and-mortar footprints of any bank in Canada, with more than 1,300 individual branches and a physical presence in every province and territory.

In 2016, RBC sold its home and auto insurance operations to Aviva Canada for $582 million. The deal included a 15-year agreement under which RBC markets home and auto insurance products and provides insurance advice through its sales network. Aviva takes care of the coverage and claim-handling process. This is a common practice among Canadian banks that sell insurance. Most work with insurance industry partners to provide core services while using their brand and marketing networks to sell products.

As is the case for all banks in Canada, RBC is not allowed to sell insurance through its regular branches. That rule has been in force since the 1990s when Canadian banks first entered the insurance market. Its purpose is to maintain competition between banks and traditional insurance agents and brokers.

If you are interested in buying insurance from RBC, you can visit an RBC Insurance Store or agent. You can also start the quote process online and complete your purchase with an RBC insurance agent by phone.

How consumers review RBC home insurance.

RBC Home Insurance placed second on J.D. Power’s 2019 Home Insurance Satisfaction Survey for the Atlantic Canada and Ontario regions, behind The Co-operators. There were not enough customers in Quebec or Western Canada to register on J.D. Power’s surveys in those regions.

ProvinceUser satisfaction rating
Atlantic Canada/Ontario






Western region

How to get the cheapest home insurance quote

Getting insurance for your home is easier than you think. To get the lowest rate possible, the Financial Consumer Agency of Canada recommends following these steps when shopping for home insurance.

Compare home insurance quotes from various providers.

Ask your broker or agent about bundling your home and car insurance policies.

Ask your broker or agent about which discounts you qualify for.

You might be able to further reduce your by increasing your deductible (the amount you pay toward a claim before your insurance kicks in) and by offering to pay your insurance bill annually instead of monthly.

Increasing your deductible is a great way to save on home insurance in the short term, just make sure you have money reserved for this purpose. Focusing on finding cheap quotes isn’t always a good idea. Having the right amount of coverage — now that should always be the goal.

Factors that determine your home insurance quote

Your home insurance policy will be customized to suit your needs and the property you’re insuring.

Home insurance premiums are determined by dwelling type (is it a single-detached home, a house with a basement tenant suite, or a condo?). Insurance companies also try to predict the kind and size of claim you might make in the future.

Here are some of the criteria insurance companies look at when calculating your premium.

  • The square footage of your home.
  • Contents and quality of construction.
  • The location of your home.
  • Distance to a fire hydrant.
  • Your insurance claims history.
  • The age of your roof.
  • Your home’s plumbing.
  • Your home’s electrical system.

The RBC home insurance advantage.


  • RBC Insurance offers discounts to customers who bundle their home insurance with other products, such as life insurance and auto insurance.
  • With every claims-free year, you will get a 20% reduction in your deductible.

Special Programs

Home Repair Bundle - For an additional premium ($125 per year in 2019), RBC Home Insurance’s Home Repair Bundle covers minor repairs to household items and systems, such as water heaters and plumbing, to prevent more expensive breakdowns in the future. The insurance pays up to $2,000 in parts, service and labour for each claim, up to a total of $5,000 over the term of the policy. This RBC program also provides up to $2,500 to cover the cost of loss-prevention devices such as security systems, sump pumps, fire alarms and automatic water shut-off devices. Note: This coverage can only be accessed after a claim has occurred.

HALO Assist - Home Repair Bundle purchasers also have free access to HALO Assist, a phone-based service that provides advice on home repair, referrals and real estate. Using the Home Repair Bundle will not affect your premiums or your claims-free status.

Other endorsements - For additional premiums, RBC Insurance will provide coverage for concerns such as sewer back-up, overland water, personal valuables, home business, earthquakes and costs associated with recovery from identity theft.

Is there an app?

No. RBC Insurance doesn’t currently offer an app to help customers manage their home insurance policy.

How to submit a claim with RBC home insurance

If you want to make a claim on your RBC Insurance home policy, call as soon as possible and send in the appropriate forms. Telephone services are available 24-7 and forms can be downloaded online. On a Rogers cell phone, punch in #722 to instantly connect with a claims advisor.

Unsure if you should make a claim? Call the Anonymous Claims Advice line to discuss you situation. You won’t have to give your name or policy number, so your premiums and claims-free status will not be affected (call 905-608-8945). Note, this service is not available in Quebec.

To submit a claim by phone:
1-800-769-2526 (Canada & U.S.)
Hours of availability:

What else does RBC Insurance do?

  • Auto insurance
  • Life insurance
  • Health and disability insurance
  • Travel insurance
  • Leisure and lifestyle (coverage for cottages, boats, RVs etc.)
Alexandra Bosanac

Alexandra Bosanac

About the Author

Alexandra Bosanac is the Core Content Manager for Her reporting has appeared in Canadian Business, the Toronto Star, the National Post, and the CBC.

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