Home Insurance in Richmond Hill


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Richmond Hill Home Insurance with Oracle RMS

If you reside in Richmond Hill 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 30 minutes away from the bustling city centre of Downtown Toronto, the City of Richmond Hill covers 101.11 sq. km. Richmond Hill has a population of 195,022 people. As the city is thriving, it is said that the projected population in 2021 will have 231,400 people. That’s a steady and consistent growth which is promising for the city’s booming economy. Currently, the most common dwelling type in the city is a single-detached home which accounts for more than half (58.7%) of the city’s dwellings with an average of three people per home.

With that being said, what makes Richmond Hill special is that unlike more urban cities, it houses plenty of greenland, parks and spaces. In fact, Richmond Green is the city’s largest park and the GTA’s largest recreational facility. It is also known for its quality school system which attracts families and young couples who want to purchase a home, settle down and raise a family.  

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

In Richmond Hill, 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 Richmond Hill 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 Richmond Hill 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 Richmond Hill

Overall, there are a total of 52,885 homeowners in Richmond Hill. The most popular dwelling size in the City of Richmond Hill are 4 or more bedrooms, which is 50.39 %. The least popular dwelling size is 1 bedroom or less.

With that being said, there are a total of 64,120 occupied private dwellings in the City of Richmond Hill. There are 37,645 single-detached houses, 2,555 semi-detached houses, 9,670 row houses and 55 other single-attached houses in the City of Richmond Hill. Meanwhile, the average household size is 3.0% in Richmond Hill.

Statistics show that there are 10,130 people who are living in a 1-person household, 16,175 people who are living in a 2-person household, 13,935 people who are living in a 3-person household, 14,980 people who are living in a 4-person household and 8890 people living in a 5 or more person household in Richmond Hill.

Home Facts in the Town of Richmond Hill


18,040 homes in Richmond Hill were built with 3 bedrooms.

Between 1961 and 1990, 12,085 houses were built in Richmond Hill. Between 2001 and 2005, there were 11,310 houses built in the town.

There are 11, 260 residents who are renting in the town of Richmond Hill.

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