Personal Insurance is designed for individuals and families in Ontario, helping protect your home, vehicles, belongings, and financial well-being against unexpected events. Whether you own a home, rent an apartment, drive a car, or enjoy recreational activities on the water or trails, personal insurance provides the foundation of financial security for your everyday life.
For clients with luxury homes, high-value vehicles, fine art, jewelry, and other significant personal assets, Oracle RMS+ is our dedicated high net worth division. Oracle RMS+ provides enhanced coverage options, concierge claims service, and access to specialized insurers who understand the unique needs of high-value households.
This insurance provides broad protection for your personal assets and liability, including your property, vehicles, contents, and legal responsibility for injuries or damages to others. Coverage also extends to recreational vehicles and leisure assets such as ATVs, RVs, motorcycles, snowmobiles, classic cars, and boats—so your toys are just as protected as your everyday essentials.
Without proper personal insurance, you may be responsible for significant out-of-pocket costs following an unexpected event. For example:
Auto insurance covers legal liability, medical costs, and vehicle repairs—and is mandatory for all drivers in Ontario.
Car theft continues to be a significant issue across Ontario. Comprehensive auto insurance helps cover the cost of a stolen vehicle, while optional endorsements can provide additional protection for high-risk vehicles.
Home insurance helps cover the cost to repair or rebuild your property and replace damaged belongings, so a single incident doesn’t become a financial crisis.
Whether from your home, vehicle, or while travelling, contents coverage helps replace stolen items so you can get back to normal.
Personal liability coverage protects you from legal claims and settlement costs if someone is hurt at your home, cottage, or rental property.
Provides mandatory and optional protection for your vehicle, including third-party liability, accident benefits, collision, comprehensive, and uninsured motorist coverage, keeping you compliant and protected on Ontario roads.
Protects your home, condo, cottage, rental property, or mobile home against insured perils such as fire, wind, theft, vandalism, and water damage, including the dwelling, attached structures, and personal contents.
Covers legal defense costs and settlements if you are found legally responsible for bodily injury or property damage to others, whether at home, on the road, or in everyday life.
Protects your personal belongings (furniture, electronics, clothing, valuables) against theft, fire, water damage, and other covered perils, both inside your home and while away.
Allows you to tailor your protection with additional options based on your lifestyle and needs, such as sewer backup, overland water, identity theft, umbrella liability, watercraft, recreational vehicles, travel insurance, and agreed-value coverage for classic cars.
Oracle RMS works with an extensive network of trusted insurance partners to deliver personalized coverage solutions—never one-size-fits-all policies. Our licensed brokers support individuals and families across Ontario and beyond, from first-time renters to multi-property owners, ensuring the right coverage, competitive pricing, and ongoing support through quotes, renewals, and claims.
