Home Insurance in Hamilton


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Hamilton Home Insurance with Oracle RMS

 If you reside in Hamilton 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 in southern Ontario, the City of Hamilton is home to a population of 536,917 people. The population of Hamilton is growing 0.1% per year for the past 15 years. Hamilton is nestled between the Niagara Escarpment, which means mountains within the city divide Hamilton into upper and lower parts of the city. Hamilton is a port city located by the west end of Lake Ontario. It is located within the Golden Horseshoe. Burlington and Grimsby are popular communities for the population of Hamilton, which is located in its metropolitan area. A large majority of its population resides in these two communities.

The city has a large student population with students from McMaster University, Redeemer University College and Mohawk College. Due to the popular residential communities and growing student population, the housing market is at a steady incline with the population growth. With that being said, those who reside in the City of Hamilton and those who are looking to move there, should ensure they have the best home insurance coverage for their home. That way, should the unexpected happen, your home and investment are protected.

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

In Hamilton, 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 Hamilton 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 Hamilton 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 Hamilton

Overall, there are a total of 4,030 homeowners in Hamilton. The most popular dwelling size in the City of Hamilton are 3 bedrooms, which is 46.25%. The least popular dwelling size is 1 bedroom or less.

With that being said, there are a total of 211,600 occupied private dwellings in the City of Hamilton. There are 121,215 single-detached houses, 6,490 semi-detached houses, 24,720 row houses and 450 other single-attached houses in the City of Hamilton. Meanwhile, the average household size is 2.5% in Hamilton.

Statistics show that there are 59,975 people who are living in a 1-person household, 68,030 people who are living in a 2-person household, 33,720 people who are living in a 3-person household, 30,060 people who are living in a 4-person household and 19,310 people living in a 5 or more person household in Hamilton.

Home Facts in the City of Hamilton


There are only 245 renters in the entire City of Hamilton which pales in comparison to the 4,030 homeowners in the city. This is a great representation of the affordable and thriving housing market.

The most popular visitor attractions in Hamilton are the Canadian Warplane Heritage Museum, Dundurn Castle, Tews Falls, Bayfront Park, African Lion Safari and Haida National Historic Site.

The majority of homes in Hamilton were built between 1961 and 1980. 29.44% of all homes in the city were built during this time. Between 1961 and 1990, 785 homes were built. There are 1,375 homes in the City of Hamilton that were built to have 4 or more bedrooms to accommodate for larger families and student housing.

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