Oshkosh Insurance Rates:

Oshkosh, WI home insurance is roughly $532 to $720, about $44-$60/month. Our in depth guide shows customers can save upto $250 by getting many quotes

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Oshkosh Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Erie Insurance
Home Insurance Rate of $140/7 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $110,000

5 Beds, 5 Bath 1660 sqft Seasonal Residence Constructed In 1948 with Stone Flooring, Membrane Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Divorced Female who has a Full Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $360/10 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $150,000

4 Beds, 4 Baths 1950 sqft Rental Property Constructed In 2012 with Carpet Flooring, Metal Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Fireplace, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Married Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $230/10 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $65,000

2 Beds, 2 Bath 1000 sqft Vacation Property Constructed In 2012 with Hardwood Flooring, Composition Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fireplace, Deadbolt Locks, Copper Water Pipes, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Married Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $160/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

5 Beds, 5 Baths 2890 sqft Primary Residence Constructed In 1943 with Hardwood Flooring, Wood Shake Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $580/7 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $285,000

5 Beds, 5 Baths 4130 sqft Rental Property Constructed In 1984 with Carpet Flooring, Metal Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

Home Insurance Rate of $360/9 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $100,000

2 Beds, 2 Bath 1230 sqft Seasonal Residence Constructed In 2004 with Carpet Flooring, Shingles Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Divorced Female who is Retired and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $30/1 month for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $105,000

2 Beds, 2 Bath 1550 sqft Rental Property Constructed In 1963 with Carpet over wood flooring, Wood Shake Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

41 Years old Divorced Female who is Unemployed and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $480/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $240,000

4 Beds, 4 Baths 3010 sqft Vacation Property Constructed In 2011 with Hardwood Flooring, Slate Shingles Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Married Male who has a Full Time Job with household income of $75-$100,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $370/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $145,000

3 Beds, 3 Baths 2330 sqft Vacation Property Constructed In 2013 with Ceramic Tile Flooring, Shingles Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

55 Years old Single Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $740/9 months for $150,000-$175,000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Baths 2238 sqft Primary Residence Constructed In 2006 with Carpet Flooring, Composition Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Fireplace, Central Air Conditioning, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Divorced Male who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

Oshkosh, WI Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
54904 $183,700 $660
54902 $116,600 $630
54901 $114,800 $630

Oshkosh Rates & Quotes Analysis:

Oshkosh Area Estimated House Insurance
Harvest Dr, Forest Home, Valley Rd, Arcadia Ave, Driftwood Ln, Johnson Ave, Lawndale St, National Ave, Olson Ave, Short Ave$642
Hawk St, 40th Eaa St, Geneva St, Ontario St, Hennessy St, Duchess Ln, Hickory Heights Ave, Westwind Rd, Lampert St, Kope Ave$655
Wright St, W 14th Ave, Nelson Rd, Graceland Dr, E Packer Ave, Harney Ave, Ivy Pl, Laager Ln, 31st Eaa St, Pierce Ave$612
Green Valley Rd, E 9th Ave, Sheppard Dr, 55th Eaa St, E Melvin Ave, Stonefeld Ct, Richards Ave, Co Rd Y, Rockwell Ave, W 28th Ave$641
Hughes St, Tyler Ave, Burdick St, Witzel Ave, Iowa St, Lake Breeze Rd, Thornton Dr, Bernheim St, Summit Ave, Rugby St$647
Kewaunee St, Windhurst Dr, Western Dr, 27th Eaa St, Cutter Ct, Roberts Ave, S US Hwy 45, Durfee Ave, Westmoor Ct, Dempsey Trl$655
E Sunnyview Rd, Oregon St, Emmers Ln, Baldwin Ave, Georgia St, 9th Eaa St, Prospect Ave, Co Rd T, Cedar Eaa Ave, Anderson St$657
Logan Dr, Lake St, Powers St, 22nd Eaa St, W 25th Ave, Vinland Rd, Fahrnwald Rd, N Washburn St, Milford Dr, Hayden Dr$676
Ontario St, S Oakwood Rd, Woodstock St, W 19th Ave, Victoria Ct, Star Ct, N Koeller St, Mockingbird Way, Sherrin St, Zarling Ave$647
Pickett Rd, W 3rd Ave, Taft Ave, E Custer Ave, Addie Pkwy, W 15th Ave, S Westhaven Dr, S Westfield St, Brenland Rd, Crestview Dr$645

Insurance rates are influenced by a number of factors including:

  • Year Built: 3,402 Homes (12% of total) built between 1990 to 1999 in Oshkosh are paying home insurance between $904-$914 in contrast with Algoma (+$54), Vinland (+$51), Winnebago County (+$15), Tustin (-$13) and Berlin (-$11).
  • Bedrooms: 3,714 4 bedrooms homes (13% of total homes ) in Oshkosh are paying about $865 and varies from Algoma (+$44), Vinland (+$41), Winnebago County (+$14), Friendship (-$3) and North Fond du Lac (-$6).
  • Auto Insurance Bundling: 6,941 Households (48% of all households) in Oshkosh have 2 vehicles available and when it is bundled with home insurance you can save $125 and differs from Algoma ($132), Vinland ($132), Winnebago County ($127).
  • Senior Discounts: 6,359 seniors (more than 55 years) occupied housing units (44% of total) in Oshkosh get discounts between $93 to $96. The comparative concessions in proximate regions such as Algoma, Winnebago County and Nekimi are $99, $95 and $97 respectively.
  • New Homes discounts: New homes such as the 9,033 homes built between 2000 to 2009 in Oshkosh can save $125 in contrast with Algoma ($132), Vinland ($132), Winnebago County ($127).

Oshkosh Homeowners insurance Facts

  • Oshkosh, WI has 14,336 owner occupied houses which is 56.8% of all units whereas Algoma, Vinland and Winnebago County have 95.65%, 91.31% and 67.69% respectively.
  • Oshkosh, WI homeowners yearly insurance price at $627 is 0.54% of the typical house value of $117,100 which is in contrast with 0.32% in Algoma, 0.33% at Vinland & 0.45% in Winnebago County.
  • Homeowners in Oshkosh, WI pay 1.67% of their income ($35,000 to $39,999) in insurance whereas homeowners in Algoma, Winnebago County and Nekimi pay 1.77%, 1.7% and 1.74% respectively.
  • Oshkosh, WI’s insurance is 4.3% of monthly housing costs of $1,207/month, for owners with a mortgage compared to 3.64% in Algoma, 3.44% at Vinland & 4.01% in Winnebago County. But, for households without a mortgage, insurance is 11.2% of costs ($467 in Oshkosh, WI) in contrast with 9.38% in Algoma, 9.85% at Vinland & 10.64% in Winnebago County.

Oshkosh, WI Home Values & Insurance rates

For example, insurance for 1,346 Homes (9.0% of total homes ) valued between $80,000 to $89,999 in Oshkosh, WI is about $451. Rates in nearby areas in such as Algoma, Vinland, Winnebago County are cheaper by $179, $173, $69 respectively while Friendship and North Fond du Lac are costlier by $11 and $28 respectively for similar homes.

Oshkosh, WI Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 671 4.0% $131
$50,000 to $59,999 276 1.0% $275
$60,000 to $69,999 439 3.0% $344
$70,000 to $79,999 894 6.0% $401
$80,000 to $89,999 1,346 9.0% $451
$90,000 to $99,999 1,471 10.0% $507
$100,000 to $124,999 3,031 21.0% $583
$125,000 to $149,999 2,056 14.0% $733
$150,000 to $174,999 1,694 12.0% $865
$175,000 to $199,999 786 5.0% $1003
$200,000 to $249,999 827 5.0% $1203
$250,000 to $299,999 414 2.0% $1473
$300,000 to $399,999 204 1.0% $1868

Renters Insurance in Oshkosh

  • Average Renters Insurance in Oshkosh :  $173($14/month)

  • Median Gross Rent in Oshkosh :  $635

  • Oshkosh Renters Insurance to Median Rent Ratio:  2.2%

  • Average household size of renter-occupied unit :  2.1

Oshkosh Renters Insurance as a Percentage of Rent

Oshkosh Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 238 2.0% $343
$200 to $299 297 2.0% $793
$300 to $499 1,282 12.0% $1243
$500 to $749 5,287 49.0% $1918
$750 to $999 2,499 23.0% $2668
$1,000 to $1,499 890 8.0% $3793
$1,500 or more 167 1.0% $5443

Rent Affordability in Oshkosh:

Approximately 39.0% (4,352) of households are spending more than 35% of their income on gross rent in Oshkosh

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,282 11.0%
15.0 to 19.9 percent 1,903 17.0%
20.0 to 24.9 percent 1,375 12.0%
25.0 to 29.9 percent 1,187 10.0%
30.0 to 34.9 percent 799 7.0%
35.0 percent or more 4,352 39.0%

Oshkosh Renters Insurance Discounts:

Oshkosh Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Oshkosh, WI Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 5,193 47.0% $17.3
2 vehicles available 2,787 25.0% $25.95
3 or more vehicles available 1,112 10.0% $34.6

Oshkosh Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 607 5.0% $63
60 to 64 years 403 3.0% $50
65 to 74 years 736 6.0% $41
75 years and over 870 7.0% $31

Protective device discount in Oshkosh Up to :  $25

Claims-free discount in Oshkosh Up to :  $34