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Niagara-on-the-Lake Home Insurance with Oracle RMS

 If you reside in Niagara-on-the-Lake 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.

When driving on the way to Niagara Falls, Ontario, many locals and tourists will pass by the Town of Niagara-on-the-Lake. With a population of 17,511 people, Niagara-on-the-Lake is also nicknamed as the “loveliest town in Canada.” It is indeed the loveliest town in Canada due to the fact that the Town of Niagara-on-the-Lake has been rated among the best places to retire in Ontario, according to the Comfort Life magazine – a publication for seniors. However, the Town of Niagara-on-the-Lake is home for people of all ages. 

With that being said, for all homebuyers looking to settle down in a smaller town or for current Niagara-on-the-Lake homeowners living in the area, both must ensure that they have the best home insurance coverage. By having home insurance in Niagara-on-the-Lake, homeowners are providing their homes with protection and coverage should there be unforeseen circumstances.    

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

In Niagara-on-the-Lake, 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-on-the-Lake 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-on-the-Lake 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 Town of Niagara-on-the-Lake

Overall, there are a total of 6,215 homeowners in Niagara-on-the-Lake. The most popular dwelling size in the Town of Niagara-on-the-Lake is three bedrooms, which is 43.08%. The least popular dwelling size is one bedroom or less.

With that being said, there are a total of 7,090 occupied private dwellings in the Town of Niagara-on-the-Lake. There are 5,765 single-detached houses, 350 semi-detached houses, 645 row houses and 10 other single-attached houses in the Town of Niagara-on-the-Lake.  

Meanwhile, the average household size is 2.4% in Niagara-on-the-Lake. Statistics show that there are 1,540 people who are living in a 1-person household, 3,380 people who are living in a 2-person household, 875 people who are living in a 3-person household, 805 people who are living in a 4-person household and 485 people living in a 5 or more person household in Niagara-on-the-Lake.

Home Facts in the Town of Niagara-on-the-Lake 


Since the Town of Niagara-on-the-Lake is also known to be part of wine country, multiple homeowners use their homes as Bed & Breakfast (B&B). According to the Bed & Breakfast Association of Niagara-on-the-Lake, there are over 100 B&B’s accommodating many wine connoisseurs and tourists.

In between 2011 to 2016, 1,015 new homes were built in the Town of Niagara-on-the-Lake.

Popular tourist attractions in the Town of Niagara-on-the-Lake include the Outlet Collection at Niagara on the Queen Elizabeth Way (QEW), the Shaw Festival, Fort George and all the wineries within wine country.

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