Oswego Insurance Rates:

Oswego, IL homeowners insurance is nearly $675 to $916, about $56-$76/month. Our in depth analysis indicates shoppers can save as much as $318 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Geico
I also do not like that my home insurance company does not have an office close to me. they are located on the other side of town and that makes it difficult to go into the office if i need to speak to an agent in person.
Westfield Insurance
Westfield provides great customer service and quick response to claims. i was able to get an adjuster at my property within a short period of time after some storm damage to my house.
American Family
American family insurance helped me customize my insurance policy when i bundled my car and house to best fit my needs and budget.
Homesite Insurance
Customer service is good; no particular issues in this area. They usually respond very quickly.
State Farm
According to me till now I don't find any difficulties
American Family
I don't like the company we are with. They will only talk to you in the beginning to secure your money. Then once they have you they don't send your mail or email letting you know things that have changed.
American Family
Their app is not really widely promoted to me, so I haven't used it much. When I have used the app, I find the layout to be confusing and drab.

Oswego, IL Homeowners Insurance By Home Value

Oswego, IL Home Value Total Homes % of Total Average Oswego, IL Homeowners Insurance
Less than $50,000 207 1.0% $79
$90,000 to $99,999 145 1.0% $318
$100,000 to $124,999 458 3.0% $373
$125,000 to $149,999 698 5.0% $469
$150,000 to $174,999 1,729 13.0% $548
$175,000 to $199,999 1,644 12.0% $636
$200,000 to $249,999 3,030 23.0% $763
$250,000 to $299,999 2,297 17.0% $938
$300,000 to $399,999 2,594 19.0% $1192

Top Home Insurance Agents Near Oswego, IL

Home Insurance Company Near Oswego, IL Homeowners Insurance Agency Near Oswego, IL Address
Liberty Mutual Dawn Tully 477 S. Third Street Suite 148 , Geneva , IL , 60134
Travelers Isu Coverall Insurance Group 7620 W 159TH ST, ORLAND PARK, IL, 60462
Nationwide R M Ledonne Insurance Agency Inc 333 N Randall Rd Suite 102, St Charles, IL, 60174
Farmers Robert Hasty 600 Columbus St, Ottawa, IL, 61350
Travelers S T Neswold & Associates Inc 210 W 22Nd St #124 , Oak Brook, IL, 60523

Cost Of Homeowners Insurance By Street Near Oswego, IL

Streets in Oswego Area Homeowners Insurance Cost
Yorkshire St, Andy Ct, Commerce Rd, Lombardy Ln, Countryside Ln, Daniel Dr, Pottowatamie Ct, Ingleshire Rd, Morning Mist Pl, Ingersoll Ct$791
Anderson Rd, Half Moon Ct, Navajo Ct, Mirador Dr, W Jackson St, Championship Ct, Cherry Ct, S Arbeiter Rd, Guilford Rd, Yorkshire Ct$799
Lisbon Center Rd, Buckskin Dr, Rick Ct, Barton Dr, Ashcroft Ln, Francesca Ct, Saugatuck Rd, Dunhill Ln, Half Round Rd, Red Hawk Ct$809
Grand Point Trl, Bentson St, Judith Cir, Rockfish, Queen Dr, Wolf Rd, E Franklin St, Yoakum Blvd, Glendale Ave, Huntington Ct$802
Fuller Ave, Hill Ave, W Front St, Briarcliff Ct, Briarcliff Dr, Halsted Ct, Fuller St, Grande Pines Blvd, Pembrooke Rd, Field Ct$797
Shadowbrook Ct, Sonora Dr, E Sherril Rd, Cardinal Ave, Ashby Ln, Pendleton Pl, Sunrise Ct, Lexington Dr, Chicago Rd, Roaring Creek Ln$765
Douglas St, Dancer Ln, N State Rte 47, S Main St, Co Hwy 3, Kealsey Ln, Fox Sedge Ct, Misty Ridge Ct, Glendale Dr, Simons Rd$810
Grays Ct, Lambert Dr, Fox Chase Dr N, Diamond Creek Ln, Pine Creek Dr, Case St, N Jackson St, Co Hwy 23, Redding Ct, Lennox Dr$799
Thornwood Blvd, S Schlapp Rd, Ridgemont Ct, Crestview Dr, Newbridge Ln, West Dr, Angelica Cir, Waa-Kee-Sha Dr, Durango Rd, Henning Pl$799
Ashgate Xing, Collins Rd, Cherokee Ct, Crosswind Dr, Garden Dr, Kiwi Ct, Birchwood Ct, Barcelo Dr, Monarch, Briarwood Ln$795

Oswego, IL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Oswego$118 to $121
Boulder Hill$114
Montgomery$116
Na-Au-Say$120

Oswego, IL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Boulder Hill CDP, Illinois $96 $127 $191
Montgomery village, Illinois $97 $129 $194
Na-Au-Say township, Kendall County, Illinois $100 $133 $200

Oswego, IL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Oswego, IL3.1%10.2%
Boulder Hill3.82%11.65%
Montgomery3.33%10.01%
Na-Au-Say2.91%8.96%

Oswego Renters Insurance as a Percentage of Rent

Oswego Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 46 1.0% $321
$300 to $499 38 1.0% $1221
$500 to $749 219 9.0% $1896
$750 to $999 434 18.0% $2646
$1,000 to $1,499 688 29.0% $3771
$1,500 or more 931 39.0% $5421

Oswego, IL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$2,700
Yearly Oswego Homeowner Insurance Premium Example $1,300$800
Out of Pocket Expense During Claim$700$2,700
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $8,500$7,500
Net Savings to Oswego Home Owner from High Deductible Plan $1,000

Oswego, IL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Oswego, IL Home Replacement Value MORE than Home Value Oswego, IL Home Replacement Value LESS than Home Value
Replacement Value $249,500 $154,500
Insurance Premium based on Replacement Value $1,275 $775
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $57,000 Risk Exposure from Under Insuring Coverage is $38,000
Premium Impact Insurance cheaper by $200/year Insurance costlier by $300/year

Example Oswego Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceErie InsuranceAmerican Family Insurance
Monthly Premium 3613855
Year Built 200220131982
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $125000-$150000$300000-$350000$200000-$250000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Oswego, IL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2013 315,000 Asphalt Shingles Roof 2,440 5 $500- $1000 Deductible 740 8 Stucco siding yes
1982 140,000 Metal Roof 1,300 3 $500- $1000 Deductible 360 6 Stucco siding No
2012 360,000 Slate Shingles Roof 3,340 4 $1000-$2500 Deductible 1040 7 Brick siding yes
2001 485,000 Composition Roof 3,390 4 $500- $1000 Deductible 190 1 Stone Siding No
1987 240,000 Asphalt Shingles Roof 2,020 4 $2500-$5000 Deductible 380 5 Stone Siding No
1983 210,000 Slate Shingles Roof 1,860 4 $2500-$5000 Deductible 260 4 Stucco siding yes
2011 670,000 Slate Shingles Roof 4,990 5 $5000 to $10,000 Deductible 1600 7 Stone Siding No
2014 515,000 Metal Roof 4,020 5 $500- $1000 Deductible 710 3 Wood siding yes
2011 295,000 Slate Shingles Roof 2,000 3 $5000 to $10,000 Deductible 130 2 Wood siding No
1988 220,000 Asphalt Shingles Roof 2,090 4 $2500-$5000 Deductible 440 6 Brick siding yes
2009 515,000 Shingles Roof 4,370 5 > $10,000 Deductible 600 5 Fiber-Cement Siding yes
1988 485,000 Composition Roof 3,640 5 $1000-$2500 Deductible 2000 12 Vinyl siding yes
1983 245,000 Shingles Roof 1,750 3 $500 Deductible 1060 12 Fiber-Cement Siding No
2006 285,000 Metal Roof 2,190 3 $5000 to $10,000 Deductible 170 2 Wood siding yes
1987 475,000 Composition Roof 3,360 4 $1000-$2500 Deductible 310 2 Wood siding yes
2013 400,000 Tile Roof 3,080 4 > $10,000 Deductible 230 3 Brick siding yes
2013 275,000 Membrane Roof 2,020 4 $1000-$2500 Deductible 190 2 Stone Siding No
1985 240,000 Membrane Roof 1,890 5 > $10,000 Deductible 370 7 Brick siding yes
2010 270,000 Wood Shake Roof 1,970 4 > $10,000 Deductible 330 6 Brick siding yes