Home Insurance in Guelph


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Guelph Home Insurance with Oracle RMS

 If you reside in Guelph and own a home, it is important to have home insurance. This is incredibly important to have for all homeowners due to the fact that you want to protect your property should there be any unexpected circumstances.

Located west of the City of Toronto, the City of Guelph is home to a population of 131,794 people. Over the past 15 years, the city has been growing at a steady rate of 1.61% per year. Guelph has quick highway access to both of Ontario’s international airports and four of the United States border crossings. This makes Guelph a popular residential area for those who work for airlines and the airports in Ontario. The City of Guelph also has a large student population due to the popular University of Guelph.

The students of this city are the main contribution to the renting population. This population always remains steady as new students begin their school year when the prior population graduates and usually moves away from the city. As the housing market remains consistent, there are many opportunities for homebuyers  to move to the City of Guelph and find property. If you currently reside in Guelph or are looking to relocate, ensure you have the right home insurance coverage. This way you’re protected should the unexpected happen.

In Need of Insurance for Your Home? We Have You Covered

In Guelph, when you purchase Home Insurance with Oracle RMS, you are insuring your home, dwelling, contents and additional living expenses in the event that you are temporarily unable to live in your home due to an insured loss in certain circumstances.

By partnering with Oracle RMS, we provide excellent customer service and work hard to get you some of the lowest home insurance rates in Guelph that best suit your unique needs. We are proud to be partnered with a wide range of insurance companies who can provide a variety of home insurance quotes for all Guelph residents.

At Oracle RMS, you will work along with one of our licensed brokers to help guide you through the quoting process. They will make sure you understand all the insurance jargon and information up to the last detail of your home policy before you’ve made the final decision.

Owning a home is typically the largest investment you’ll ever purchase. Home insurance will protect and provide coverage for your home, personal liability of you, your spouse/partner and your children and any loss or damages. In Ontario, it is required to include and purchase the following home insurance coverage below:

Personal Liability Coverage:

This section of a home insurance policy will provide coverage to protect the insured should a person or their property suffer an injury in your home and they decide to take legal action against you.  


Contents Coverage:

This type of coverage covers the contents, valuables and personal belongings that reside in your home. It also provides coverage when you’re travelling away from your home – this is covered by an insured peril should there be damages in your home. Insured perils can range from vandalism, theft, fire, flooding, smoke damage, water damage and more.

Dwelling Coverage:

This type of coverage in a home insurance policy will cover the costs associated with damages by insured perils in your home. The damages covered include the replacement cost of your entire home as well as the garage and patio.  

Additonal Living Expenses Coverage:

This type of coverage covers the insured if serious damages to your home are severe enough that you are displaced and need to live elsewhere for a period of time. It will cover the following costs: temporarily living in a hotel and rental and storage for your belongings.  

Whether customers are shopping for a better home insurance policy, are informed about their upcoming home policy renewal or are looking to save money on their current policy, overall, it is important to be informed about home insurance and how a policy works.

The Right Coverage For You

At The Best Price

Home Statistics in the City of Guelph

Overall, there are a total of 37,340 homeowners in Guelph. The most popular dwelling size in the City of Guelph are 3 bedrooms, which is 39.57%. The least popular dwelling size is 1 bedroom or less.

With that being said, there are a total of 52,090 occupied private dwellings in the City of Guelph There are 26,485 single-detached houses, 2,410 semi-detached houses, 7,255 row houses and 50 other single-attached houses in the City of Guelph. Meanwhile, the average household size is 2.5% in Guelph.

Statistics show that there are 14,045 people who are living in a 1-person household, 17,000 people who are living in a 2-person household, 8,465 people who are living in a 3-person household, 8,235 people who are living in a 4-person household and 4,340 people living in a 5 or more person household in Guelph.

Home Facts in the City of Guelph 


There are a total of 15,140 residents in the City of Guelph who rent their dwellings.

Between 1961 and 1980, there were 10,185 homes built in Guelph. Between 2001 and 2006, there were 9,460 homes built. This is a great representation of how the population is growing quickly. There are 18,060 homes built in Guelph that have 4 or more bedrooms. Only 17.8 percent of dwellings in Guelph have 2 bedrooms.

  The top sights and attractions to see in the City of Guelph are Guelph Lake, Riverside Park, Guelph Civic Museum, Basilica of Our Lady Immaculate, Guelph Lake Conservation Area and The Arboretum at the University of Guelph.

Getting insured is quick and easy!

Commercial insurance is what you need, request a free online quote now. Takes less than two minutes!

Words From Our Customers

“I’ve used Oracle RMS for my insurance for years and years. Very knowledgeable and helpful. Chris Masucci gave me honest advice about my insurance options and helped me choose the best coverage for my needs. He is friendly and super responsive if I have any questions. Would recommend!”

Lauren Chee-Hing,
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“I purchased my first car a year and a half ago and called Oracle for an insurance quote. They have excellent customer service – in particular, Chris was very helpful in getting me a great rate. He is extremely prompt at answering any questions I have about my policy and about anything insurance related! I highly recommend this brokerage.”

Andrea Lee,
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We Got you Covered