Home Insurance in London


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London Home Insurance with Oracle RMS

 If you reside in London 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.

The City of London is located in southwestern Ontario. It has a population of 383,822 according to the 2016 Canadian census which continues to grow today. It is also a popular location to buy a home. In fact, MoneySense magazine ranked London ninth top Canadian city to buy real estate in. The City of London currently has 1,053 new listings on the real estate market and offers considerable savings compared to the GTA. This means that any potential homebuyers or current London homeowners looking to make a move have plenty of homes to consider.

Needless to say, buying a home in the City of London will be a commitment that you’re willing to invest a great deal of money in. It should also be noted that there have been flooding situations in London due to record-breaking heavy rainfalls, which resulted in 68 million litres of sewage being diverted to the Thames river back in January 2020. Therefore, homeowners in London must ensure that they’re also protected with the right home insurance coverage.

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

In London, 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 London 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 London 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 London

Overall, there are a total of 98,070 homeowners in London. The most popular dwelling size in the City of London is three bedrooms, which is 36.86%. The least popular dwelling size is one bedroom or less.

With that being said, there are a total of 206,445 occupied private dwellings in the City of London. There are 115,415 single-detached houses, 7,855 semi-detached houses, 21,675 row houses and 260 other single-attached houses in the City of London.  

Meanwhile, the average household size is 2.4% in London. Statistics show that there are 62,240 people who are living in a 1-person household, 71,775 people who are living in a 2-person household, 30,620 people who are living in a 3-person household, 27,025 people who are living in a 4-person household and 14,790 people living in a 5 or more person household in London.

Home Facts in the City of London 


There are a total of 206,450 private households in the City of London.

The current average price for a home in the City of London is at $443K, which has increased by 16.4%.

On April 26, 1937, London had its second major flood, which destroyed more than a thousand houses across the city and caused over $50 million in damages.

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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