Home Insurance in Whitby


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Whitby Home Insurance with Oracle RMS

 If you reside in Whitby 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 Town of Whitby has a total population of 128,377 people and is located in Durham Region. It is east of Ajax and west of Oshawa and is located in southern Ontario. Whitby has a great location that attracts residents who are looking to move out of the busy city life to a more quiet area. Not only does Whitby have amazing landscapes and historical roots, but there are also many heritage walking tours and engaging sports and recreation opportunities available such as sailing lessons.

In addition, Whitby continues to expand their real estate market by building more condos and homes. With that being said, homebuyers looking to move to the Town of Whitby and the homeowners who currently live in Whitby should ensure they have the best home insurance in Whitby.This is because it is important to have the right home insurance coverage to protect your home and those who live in it.

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

In Whitby, 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 Whitby 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 Whitby 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 Whitby

Overall, there are a total of 36,280 homeowners in Whitby. The most popular dwelling size in the Town of Whitby is four or more bedrooms, which is 43.67%. The least popular dwelling size is one bedroom or less.

With that being said, there are a total of 43,530 occupied private dwellings in the Town of Whitby. There are 30,390 single-detached houses, 1,260 semi-detached houses, 5,530 row houses and 20 other single-attached houses in the Town of Whitby.  

Meanwhile, the average household size is 2.9% in Whitby. Statistics show that there are 7,645 people who are living in a 1-person household, 12,190 people who are living in a 2-person household, 8,185 people who are living in a 3-person household, 9,945 people who are living in a 4-person household and 5,560 people living in a 5 or more person household in Whitby.

Home Facts in the Town of Whitby 


The northern part of Whitby is more rural and includes the communities of Ashburn, Brooklin, Myrtle and Myrtle Station.

The Town of Whitby is home to the headquarters of Durham Region.

The current average house price for the Town of Whitby starts at $669K. 

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