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There’s no place like home. Keep your loved ones, your belongings and your Toronto home protected with home insurance. Home insurance in Toronto is not mandatory by law, but it is a responsible choice for anyone who wishes to protect their home from unexpected situations that are out of their control.

There are a variety of factors that will affect the cost of your home insurance in Toronto. If the cost to replace your home is high, then this will affect your insurance premium. Should you live in a high-risk area for crime or prone to natural disasters, these factors could also affect your insurance rates. If you have a history with submitting home insurance claims, you may not be able to obtain a lower home insurance rate. Outer elements like the health and condition of your roof, whether you have fire safeguards installed, how close you are to a fire hydrant  and if you have a quality home plumbing system, will also impact your insurance premium.

At Oracle RMS, we have been providing customers with home insurance plans and peace of mind knowing that their biggest investment is protected for decades. Through an established network of industry partners, we have been able to bring clients the best price for their insurance coverage. We believe in unique plans that accommodate everyone’s unique needs and different situations. We don’t have a “one size fits all” solution for insurance needs because we will create a home insurance Toronto quote that is custom for you. This way, you’re receiving the coverages you need and not paying for the ones you don’t.

 

At Oracle RMS, you’ll receive:

  • A variety of quotes from different insurance carriers giving you the opportunity to go with the best price
  •  A custom insurance plan for your home with only the coverages you want and need
  • Support during the claims process, making it stress-free for you
  • An insurance plan if you own a home, condo, apartment, detached home, etc.

Oracle RMS offers a variety of home insurance Toronto coverages:

Dwelling Insurance: This coverage will cover damages to your home caused by an insured peril. Insured perils can include wind storms, theft, fires, water damage, hail, explosion, electricity and many more. This includes the costs related to rebuilding a home. This will cover your home, your garage, deck and outdoor elements like swimming pools and sprinklers.
Contents Insurance: This coverage will cover damages to your contents and personal belongings in your home (and even away from your home) caused by an insured peril. Insured perils can include theft, vandalism, fire, accidental damage, smoke damage and more. There are limits to the different content categories you can claim, your broker will inform you of the details regarding this coverage.
Personal Liability: This coverage will cover damages to a person or property if you are at fault in causing injury. For example, if someone slips and falls down your stairs and sues you, this coverage will serve as protection. Personal liability insurance covers you for accidents that no one expects to happen but can occur at or around your home.
Additional Living Expenses: This coverage will cover the cost of being displaced from your home caused by an insured loss. Should the damages be severe and you need to leave your home, this insurance will cover your additional living expenses such as hotel stays, meals at restaurants, rent and temporary storage for your valuables.

Protect your home, your investment and your loved ones with the right insurance package for your home in Toronto. Contact the licensed professionals at Oracle RMS to receive a tailored home insurance Toronto quote that is right for you.

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Should you have any further questions regarding your insurance quote for Toronto or surrounding areas, please feel free to contact us and one of our representatives will gladly assist you.