Oswego Insurance Rates:

Oswego, NY homeowners insurance is approximately $496 to $672, about $41-$56/month. Our all inclusive research shows customers can save upto $234 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Oswego, NY Homeowners Insurance By Home Value

Oswego, NY Home Value Total Homes % of Total Average Oswego, NY Homeowners Insurance
Less than $50,000 366 9.0% $163
$50,000 to $59,999 248 6.0% $351
$60,000 to $69,999 576 15.0% $438
$70,000 to $79,999 446 12.0% $503
$80,000 to $89,999 380 10.0% $573
$90,000 to $99,999 325 8.0% $637
$100,000 to $124,999 550 14.0% $742
$125,000 to $149,999 315 8.0% $930
$150,000 to $174,999 138 3.0% $1099
$175,000 to $199,999 68 1.0% $1269
$200,000 to $249,999 188 5.0% $1521
$250,000 to $299,999 73 1.0% $1860

Top Home Insurance Agents Near Oswego, NY

Home Insurance Company Near Oswego, NY Homeowners Insurance Agency Near Oswego, NY Address
Travelers James S Sullivan Agency Inc 2006 Ridge Rd, Ontario, NY, 14519
Travelers Ross Stepien & Kadey Inc 7143 Henry Clay Blvd Ste 1 , Liverpool, NY, 13088
Nationwide Thomas J. Desain 8398 Oswego Rd, Liverpool, NY, 13090-1002
NA Lanier And Company 9 Albany St, Cazenovia, NY, 13035
NA Aaa Members Insurance Agency, Inc. 5663 E Circle Dr, Cicero, NY, 13039

Oswego, NY Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Scriba town, Oswego County, New York $74 $98 $147
Minetto town, Oswego County, New York $74 $98 $147
New Haven town, Oswego County, New York $73 $97 $146

Oswego, NY 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, NY4.3%10.1%
Scriba3.55%10.47%
Minetto3.6%8.86%
New Haven3.67%9.29%

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 77 2.0% $351
$200 to $299 101 2.0% $801
$300 to $499 307 8.0% $1251
$500 to $749 1,455 42.0% $1926
$750 to $999 911 26.0% $2676
$1,000 to $1,499 473 13.0% $3801
$1,500 or more 106 3.0% $5451

Oswego, NY Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$1,600
Yearly Oswego Homeowner Insurance Premium Example $1,500$1,000
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $5,100$4,600
Net Savings to Oswego Home Owner from High Deductible Plan $500

Oswego, NY Home Insurance Costs With Home Replacement Value Scenarios

Scenario Oswego, NY Home Replacement Value MORE than Home Value Oswego, NY Home Replacement Value LESS than Home Value
Replacement Value $100,500 $68,500
Insurance Premium based on Replacement Value $825 $575
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $19,000 Risk Exposure from Under Insuring Coverage is $13,000
Premium Impact Insurance cheaper by $100/year Insurance costlier by $150/year

Example Oswego Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceFarmers InsuranceGEICO Insurance
Monthly Premium 1093678
Year Built 194819421949
Home Details 4 Beds, 1 Baths3 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $150000-$175000$50000-$75000$75000-$100000
Deductible $500 Deductible$2500-$5000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1947 80,000 Asphalt Shingles Roof 1,120 2 $500- $1000 Deductible 270 4 Wood siding No
1945 85,000 Wood Shake Roof 1,460 2 $1000-$2500 Deductible 200 3 Brick siding yes
1945 115,000 Metal Roof 1,480 3 $2500-$5000 Deductible 640 9 Stucco siding yes
1942 260,000 Shingles Roof 3,650 5 $500 Deductible 200 1 Vinyl siding yes
1943 100,000 Shingles Roof 1,880 3 $1000-$2500 Deductible 170 2 Fiber-Cement Siding yes
1948 175,000 Asphalt Shingles Roof 2,620 4 $500 Deductible 210 2 Vinyl siding yes
1946 100,000 Membrane Roof 1,920 3 $2500-$5000 Deductible 440 6 Fiber-Cement Siding No
1941 110,000 Membrane Roof 1,900 4 $500- $1000 Deductible 780 8 Vinyl siding yes
1941 160,000 Slate Shingles Roof 2,100 4 $5000 to $10,000 Deductible 240 3 Stone Siding No
1949 190,000 Tile Roof 3,030 4 $2500-$5000 Deductible 210 2 Vinyl siding No
1944 100,000 Membrane Roof 1,710 2 $500 Deductible 470 7 Stone Siding No
1946 100,000 Slate Shingles Roof 1,500 3 $2500-$5000 Deductible 50 1 Brick siding yes
1943 260,000 Shingles Roof 3,900 5 $1000-$2500 Deductible 2110 9 Stucco siding No
1946 150,000 Composition Roof 2,210 3 $5000 to $10,000 Deductible 220 2 Brick siding yes
1949 75,000 Slate Shingles Roof 1,230 3 $500- $1000 Deductible 390 7 Stone Siding No
1940 155,000 Shingles Roof 2,090 3 $500- $1000 Deductible 100 1 Wood siding yes
1946 145,000 Shingles Roof 1,910 4 $500 Deductible 160 2 Fiber-Cement Siding yes
1947 75,000 Slate Shingles Roof 1,080 2 $500 Deductible 550 10 Fiber-Cement Siding yes
1946 100,000 Tile Roof 1,490 2 $1000-$2500 Deductible 310 5 Vinyl siding No
1944 200,000 Tile Roof 3,280 4 $500- $1000 Deductible 190 1 Stone Siding No
1949 125,000 Membrane Roof 1,840 5 $1000-$2500 Deductible 590 9 Stucco siding yes
1942 140,000 Metal Roof 2,300 3 $1000-$2500 Deductible 400 5 Stucco siding No
1940 105,000 Membrane Roof 1,780 3 $1000-$2500 Deductible 500 9 Brick siding No
1945 90,000 Slate Shingles Roof 1,260 2 $500 Deductible 350 6 Stone Siding yes
1947 150,000 Slate Shingles Roof 2,660 4 $2500-$5000 Deductible 90 1 Stucco siding yes
1947 120,000 Shingles Roof 1,640 4 $2500-$5000 Deductible 430 7 Vinyl siding No
1942 125,000 Composition Roof 2,310 5 $1000-$2500 Deductible 520 5 Vinyl siding No
1947 95,000 Composition Roof 1,250 3 $500 Deductible 180 2 Fiber-Cement Siding No
1944 160,000 Tile Roof 3,120 5 $500- $1000 Deductible 1230 9 Brick siding No
1949 100,000 Tile Roof 1,630 5 $1000-$2500 Deductible 880 12 Vinyl siding No
1942 80,000 Shingles Roof 1,570 2 $1000-$2500 Deductible 110 2 Fiber-Cement Siding yes
1945 190,000 Shingles Roof 3,200 5 $5000 to $10,000 Deductible 820 10 Wood siding No