{"id":8633,"date":"2025-12-01T05:01:20","date_gmt":"2025-12-01T05:01:20","guid":{"rendered":"https:\/\/youset.ca\/?p=8633"},"modified":"2026-07-21T14:09:16","modified_gmt":"2026-07-21T14:09:16","slug":"rbc-home-insurance-vs-youset","status":"publish","type":"post","link":"https:\/\/youset.ca\/en\/blog\/rbc-home-insurance-vs-youset\/","title":{"rendered":"RBC Home Insurance vs. YouSet: Pros and Cons [2026]"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">When you think of the Royal Bank of Canada (RBC), you might immediately associate it with banking, credit cards, or even mortgages, but <\/span><a href=\"https:\/\/youset.ca\/en\/home-insurance\/\"><span style=\"font-weight: 400;\">insurance for your home<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/youset.ca\/en\/condo-insurance\/\"><span style=\"font-weight: 400;\">condo<\/span><\/a><span style=\"font-weight: 400;\">, or <\/span><a href=\"https:\/\/youset.ca\/en\/tenant-insurance\/\"><span style=\"font-weight: 400;\">rental unit<\/span><\/a><span style=\"font-weight: 400;\">?&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">As with many of the other \u201cBig Five Banks,\u201d RBC is also a major player in the Canadian insurance market, offering home insurance as well as a wide range of other personal insurance products underwritten by Aviva.&nbsp;<\/span> <span style=\"font-weight: 400;\">But are they the right choice for your needs and budget? That\u2019s a decision only you can make.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">In this article, you\u2019ll learn more about RBC insurance for your home, the potential pros and cons to consider, and how it\u2019s different from an insurance broker like YouSet. That way, you can make the most informed decision and choose a provider that matches your needs and expectations.<\/span><\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 id=\"h-how-is-youset-different-from-rbc-insurance\" class=\"wp-block-heading\">How is YouSet different from RBC insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">YouSet combines the convenience of an online platform with the services of a licensed insurance broker. In contrast, RBC home, condo, and tenant insurance policies are underwritten by Aviva General Insurance Company\u2014meaning RBC markets and sells the policies under its brand, but doesn\u2019t itself underwrite them.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">As such, there are key differences between YouSet and RBC to consider, which you can see outlined clearly in the table below.<\/span><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><\/td><td><strong>YouSet<\/strong><\/td><td><strong>RBC<\/strong><\/td><\/tr><tr><td><em>Type of provider<\/em><\/td><td>Digital insurance broker<\/td><td>Insurance provider<\/td><\/tr><tr><td><em>Products<\/em><\/td><td>Home, tenant, condo, and car<\/td><td>Home, tenant, condo, car, recreational vehicle, life, and travel<\/td><\/tr><tr><td><em>Number of insurers<\/em><\/td><td>20+ insurers (<a href=\"https:\/\/youset.ca\/en\/claims\/\">Full list of YouSet insurers<\/a>)<\/td><td>1 insurer (Aviva)<\/td><\/tr><tr><td><em>Price comparison<\/em><\/td><td>Side-by-side comparison, shows multiple quotes<\/td><td>No comparison, only shows one quote (Aviva)<\/td><\/tr><tr><td><em>Underwriting<\/em><\/td><td>Does not underwrite policies<\/td><td>Does not underwrite policies, Aviva does<\/td><\/tr><tr><td><em>Checkout<\/em><\/td><td>Online checkout or by phone<\/td><td>Call to purchase<\/td><\/tr><tr><td><em>Claims<\/em><\/td><td>Claims handled by the insurer, additional support from YouSet, as needed<\/td><td>Claims handled by Aviva via RBC<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n\t<section id=\"post-cta-block_a27de661b9f5ae0365ee0469f896e7a1\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t\t\t<div class=\"lg:flex justify-between items-center gap-x-6 rounded-lg bg-indigo-600 px-8 py-7 shadow-[0_2px_10px_0_theme(colors.surface.background.disabled)]\">\n\t\t\t\t\t\t\t<h3 class=\"text-white lg:mb-0\">Get the best price on insurance year-after-year<\/h3>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.app.youset.ca\/start?lng=en&#038;externalId=blog\" class=\"the-button the-button--white !text-text-primary\">Get a quote<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<h2 id=\"h-rbc-home-insurance-pros-and-cons\" class=\"wp-block-heading\">RBC home insurance pros and cons<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Whether you\u2019re a homeowner, renter, or condo owner, if you\u2019re considering RBC for home insurance, then it\u2019s important to understand what it offers and what it doesn\u2019t. This is key to helping you determine if it aligns with what you\u2019re looking for in a home insurance provider.<\/span><\/p>\n\n\n\n<h3 id=\"h-trusted-name-in-the-finance-industry\" class=\"wp-block-heading\">Trusted name in the finance industry<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">As part of The Royal Bank of Canada\u2014the largest bank in the country\u2014RBC Insurance benefits from the stability and recognition of a trusted financial institution. This may offer a sense of familiarity that drivers find reassuring.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 id=\"h-restricted-to-aviva-products-and-pricing\" class=\"wp-block-heading\">Restricted to Aviva products and pricing<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">When you buy home insurance from RBC Insurance, Aviva will underwrite your policy. Unlike brokers such as YouSet, which scans a network of multiple carriers to find you the best price, with RBC, you\u2019re limited to the products, prices, and discounts offered by this one carrier.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 id=\"h-offers-a-range-of-personal-insurance-products\" class=\"wp-block-heading\">Offers a range of personal insurance products<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">In addition to home insurance, <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/rbc-car-insurance-vs-youset\/\"><span style=\"font-weight: 400;\">RBC also offers car<\/span><\/a><span style=\"font-weight: 400;\">, tenant, condo, cottage, life, and travel insurance.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 id=\"h-call-to-buy-an-online-quote\" class=\"wp-block-heading\">Call to buy an online quote<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Although RBC offers online home, condo, and tenant insurance quotes, you\u2019ll likely be prompted to call and speak with a sales representative to complete your purchase.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 id=\"h-offers-single-coverage-limit\" class=\"wp-block-heading\">Offers single coverage limit<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">RBC home insurance allows customers to combine coverage for their home, <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/what-is-contents-insurance-in-canada\/\"><span style=\"font-weight: 400;\">personal belongings<\/span><\/a><span style=\"font-weight: 400;\">, and <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/what-is-additional-living-expenses-coverage\/\"><span style=\"font-weight: 400;\">additional living expenses<\/span><\/a> <span style=\"font-weight: 400;\"> under a single limit. While this can eliminate the need to manage separate limits for each coverage, it may not be automatically included in every homeowner&#8217;s quote.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 id=\"h-limitations-on-home-security-discount\" class=\"wp-block-heading\">Limitations on home security discount<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Although RBC offers a discount for homeowners who install a centrally monitored security system, it is not available to homeowners in Ontario, Alberta, or British Columbia. Additionally, condo and tenant insurance policies are not eligible for this discount.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 id=\"h-optional-coverage-for-small-repairs\" class=\"wp-block-heading\">Optional coverage for small repairs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">For an additional fee, RBC offers a Home Repair Bundle endorsement, providing homeowners with minor repair coverage, claim prevention services, and on-demand phone advice from legal and home repair experts. This may appeal to those who rely on a claims-free discount or disappearing deductible to keep their premium low. However, it comes with a 45-day waiting period before taking effect and strict terms, conditions, and coverage limits.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 id=\"h-bundling-savings-may-be-limited\" class=\"wp-block-heading\">Bundling savings may be limited<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Bundling home and car insurance with RBC can save you money, as advertised. However, bundling with a single carrier doesn\u2019t always offer the most savings possible. Rather, a <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/does-bundling-insurance-save-money\/\"><span style=\"font-weight: 400;\">mix-and-match approach to bundling<\/span><\/a><span style=\"font-weight: 400;\">, where products and pricing from multiple carriers are considered and combined, can help you maximize your savings and find the most cost-effective solution.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 id=\"h-rbc-vs-youset-home-insurance\" class=\"wp-block-heading\">RBC vs. YouSet home insurance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">After getting a home insurance quote from RBC, it\u2019s wise to compare quotes from an alternative provider, such as YouSet, to see if that\u2019s truly the best price you can get or if there\u2019s a better deal available.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Since 2017, YouSet has been making it easier for Canadians to <a href=\"https:\/\/www.app.youset.ca\/start?lng=en&amp;externalId=blog\">buy home and car insurance online<\/a>. Why spend hours manually comparing quotes when our proprietary technology can do it all for you in less than 4 minutes? Not only that, but we\u2019ll also have Canada\u2019s top insurance providers competing for your business, ensuring you get the best price year after year. With over 300,000 users and an average online review rating of 4.9 stars, YouSet is a broker well worth considering.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-best-price-year-after-year\">Best price year-after-year<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">YouSet\u2019s algorithms are designed to do one thing &#8211; find you the best price. Not just the first time you buy, either. If your price increases at renewal, we\u2019ll alert you and even help you re-shop with another carrier.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-transparent-renewals\">Transparent renewals<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Anytime a YouSet&nbsp;insurance policy comes up for renewal, our team will make sure you\u2019re paying the best price possible for your policy. If that\u2019s no longer working, we\u2019ll help you re-shop another carrier for a better deal.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-mix-and-match-approach-to-bundling\">Mix-and-match approach to bundling<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">YouSet is the only digital broker in Canada that automatically compares the cost of bundling home and car insurance from a single carrier against the cost of mix-and-matching home and car carriers. Whichever option offers the maximum savings is the one we present to you.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-1024x682.webp\" alt=\"YouSet Home and Car Insurance Bundle\" class=\"wp-image-9293\" srcset=\"https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-1024x682.webp 1024w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-300x200.webp 300w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-768x512.webp 768w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-50x33.webp 50w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-1536x1023.webp 1536w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-600x400.webp 600w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN.webp 1981w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"h-buy-manage-and-renew-your-policy-online\">Buy, manage, and renew your policy online<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">How much easier would it be if you could purchase a policy, personalize it to fit your needs, make modifications to it, and renew it, all without having to make any phone calls or wait on hold? With YouSet, you can do all that and more with our self-serve features.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-highly-reviewed-by-canadians\">Highly reviewed by Canadians<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">With an overall <a href=\"https:\/\/www.google.com\/search?q=youset+google+reviews&amp;rlz=1C1VDKB_enCA1096CA1096&amp;oq=youset+google+reviews&amp;gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIICAEQABgWGB4yCggCEAAYgAQYogQyCggDEAAYgAQYogTSAQg0MjEyajBqN6gCALACAA&amp;sourceid=chrome&amp;ie=UTF-8#lrd=0x4cc91be2cf84ad7b:0x343519cea81a6cc2,1,,,,\">rating of 4.8 out of 5 stars on Google<\/a>, the general consensus among YouSet users is that YouSet is making it easier to find affordable insurance and buy it online at the best price year after year.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When you think of the Royal Bank of Canada (RBC), you might immediately associate it with banking, credit cards, or even mortgages, but insurance for your home, condo, or rental unit?&nbsp; As with many of the other \u201cBig Five Banks,\u201d RBC is also a major player in the Canadian insurance&#8230;<\/p>\n","protected":false},"author":11,"featured_media":8634,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[467,453,463],"tags":[],"class_list":["post-8633","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-condo-insurance","category-home-insurance","category-tenant-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.4 (Yoast SEO v28.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>RBC Home Insurance vs. YouSet [2026]<\/title>\n<meta name=\"description\" content=\"Considering buying RBC home, condo, or tenant insurance? Before you do, check this to be sure you\u2019re getting the best price.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/youset.ca\/en\/blog\/rbc-home-insurance-vs-youset\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RBC Home Insurance vs. YouSet: Pros and Cons [2026]\" \/>\n<meta property=\"og:description\" content=\"%\" \/>\n<meta property=\"og:url\" content=\"https:\/\/youset.ca\/en\/blog\/rbc-home-insurance-vs-youset\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/yousetinsurance\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-01T05:01:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-21T14:09:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/youset.ca\/wp-content\/uploads\/2025\/02\/RBC-Home-Insurance-Pros-and-Cons.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Emily May\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emily May\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/rbc-home-insurance-vs-youset\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/rbc-home-insurance-vs-youset\\\/\"},\"author\":{\"name\":\"Emily May\",\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/#\\\/schema\\\/person\\\/0686aae361019707f752e540bb05fb40\"},\"headline\":\"RBC Home Insurance vs. YouSet: Pros and Cons [2026]\",\"datePublished\":\"2025-12-01T05:01:20+00:00\",\"dateModified\":\"2026-07-21T14:09:16+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/rbc-home-insurance-vs-youset\\\/\"},\"wordCount\":803,\"publisher\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/rbc-home-insurance-vs-youset\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/youset.ca\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/RBC-Home-Insurance-Pros-and-Cons.webp\",\"articleSection\":[\"Condo insurance\",\"Home insurance\",\"Tenant insurance\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/rbc-home-insurance-vs-youset\\\/\",\"url\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/rbc-home-insurance-vs-youset\\\/\",\"name\":\"RBC Home Insurance vs. YouSet [2026]\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/rbc-home-insurance-vs-youset\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/rbc-home-insurance-vs-youset\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/youset.ca\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/RBC-Home-Insurance-Pros-and-Cons.webp\",\"datePublished\":\"2025-12-01T05:01:20+00:00\",\"dateModified\":\"2026-07-21T14:09:16+00:00\",\"description\":\"Considering buying RBC home, condo, or tenant insurance? 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