Home Insurance in Kitchener


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Kitchener Home Insurance with Oracle RMS

 If you reside in Kitchener 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 Kitchener is home to 233,222 residents. Kitchener is located 100 km west of the City of Toronto. For the past 15 years, the population of Kitchener has been growing steadily at a rate of 1.5% per year. Kitchener is a city within the Regional Municipality of Waterloo. Waterloo and Kitchener have their own separate municipal governments but are still recognized as “twin cities” for their similarities. In Kitchener, there are 10 different wards and a variety of 53 communities and neighbourhoods.

Due to the many communities and neighbourhoods to choose from, Kitchener is a popular city for those who are looking to live somewhat close to Toronto and settle down in a less busy rural location. Because of this, the housing market in Kitchener is fantastic and is always growing to accommodate its steady population growth rate. If you are looking to move to the City of Kitchener or currently reside there, consider obtaining home insurance. Home insurance will protect your home and investment from unexpected troubles.

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

In Kitchener, 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 Kitchener 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 Kitchener 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 Kitchener

Overall, there are a total of 57,420 homeowners in Kitchener. The most popular dwelling size in the City of Kitchener is 3 bedrooms, which is 42.68%. The least popular dwelling size is 1 bedroom or less.

With that being said, there are a total of 92,220 occupied private dwellings in the City of Kitchener. There are 44,815 single-detached houses, 5,390 semi-detached houses, 11,190 row houses and 70 other single-attached houses in the City of Kitchener. Meanwhile, the average household size is 2.5% in Kitchener.

Statistics show that there are 24,980 people who are living in a 1-person household, 30,555 people who are living in a 2-person household, 15,035 people who are living in a 3-person household, 13,690 people who are living in a 4-person household and 7,955 people living in a 5 or more person household in Kitchener.


Home Facts in the City of Kitchener


There are a total of 34,975 renters in the City of Kitchener.

Before 1960, 19,635 homes were constructed in the City of Kitchener. Between 1981 and 1990, there were 12,650 homes built in Kitchener. The most popular homes are ones with three bedrooms, the next most popular are two bedroom homes. 21, 00 two bedroom homes are built in Kitchener at the present moment.

The most popular attractions in Kitchener are the Grand River, Kitchener Market, Woodside National Historic Site, Waterloo Region Museum, Doon Heritage Village and The Chicopee Ski Club.

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