Home Insurance in

Niagara Falls


We’ve Got You Covered


Niagara Falls Home Insurance with Oracle RMS

 If you reside in Niagara Falls 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.

According to the 2016 Canadian census, the City of Niagara Falls has a total population of 88,071 residents, which continues to grow today. Not only is the City of Niagara Falls a popular tourist spot, but it is also a lovely city to reside in. Real estate in the City of Niagara Falls is doing well and currently experiencing a balanced market with home prices averaging at $395,500.00. In fact, consumers from the GTA are moving to the City of Niagara Falls because of its affordable housing. With that being said, the City of Niagara Falls continues to develop their housing market and its improvement in transportation links to the GTA.

Therefore, the more housing developments are built in Niagara Falls, the more homebuyers/homeowners. Regardless, buying a home in the City of Niagara Falls will be a commitment any homeowner will invest their hard-earned money in, as it is one of the biggest purchases in life. To ensure that every home is protected and covered, it is important that all homeowners in Niagara Falls have the best home insurance.       

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

In Niagara Falls, 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 Niagara Falls 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 Niagara Falls 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 Niagara Falls

Overall, there are a total of 25,655 homeowners in Niagara Falls. The most popular dwelling size in the City of Niagara Falls is three bedrooms, which is 46.62%. The least popular dwelling size is one bedroom or less.

With that being said, there are a total of 35,775 occupied private dwellings in the City of Niagara Falls. There are 23,820 single-detached houses, 2,010 semi-detached houses, 2,420 row houses and 65 other single-attached houses in the City of Niagara Falls.

Meanwhile, the average household size is 2.4% in Niagara Falls. Statistics show that there are 10,110 people who are living in a 1-person household, 12,445 people who are living in a 2-person household, 5,790 people who are living in a 3-person household, 4,770 people who are living in a 4-person household and 2,655 people living in a 5 or more person household in Niagara Falls.

Home Facts in the City of Niagara Falls


There were 12,170 homes in Niagara Falls that were constructed before 1960.

Niagara Falls is the fifth best place in Canada to purchase real estate, which has moved up by seven spots from its 12th place showing in 2018, according to a recent study by MoneySense online business magazine. 

Some family fun hang out spots in Niagara Falls include the Fallsview Indoor Waterpark, the Butterfly Conservatory and Clifton Hill, known as the “Street of Fun,” which has massive arcades, Niagara Speedway and the Niagara SkyWheel.

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,
google Review

We Got you Covered