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Find Home Insurance Agents Near You in Oswego, NY

Browse home insurance agents serving Oswego, New York. Updated 2026-07-14.

The top-rated home insurance agent in Oswego, New York is Ray Haynes Jr - State Farm Insurance Agent, rated 4.9 stars across 114 reviews. Other highly rated options include Canale Insurance & Accounting, OVIA Insurance Agencies, Christopher Nelson - State Farm Insurance Agent. This directory lists 14 home insurance agents serving Oswego.

Showing 14 home insurance agents in Oswego, NYListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Ray Haynes Jr - State Farm Insurance Agent142 W Utica St(315) 343-3276
2Canale Insurance & Accounting234 East Albany Street 201 S Second Street, Fulton, NY 13069, 234 E Albany St(315) 343-4456
3OVIA Insurance Agencies166 W 1st St(315) 343-6310
4Christopher Nelson - State Farm Insurance Agent209 W 7th St(315) 342-3639
5Phillip Tyler: Allstate Insurance27 Gregory St(315) 343-1262
6FitzGibbons Agency44 E Bridge St #1(315) 342-5000
7Horan Companies - The Insurance Place11 4th Ave suite h(315) 343-6343
8Oswego Valley Insurance Agency166 W 1st St(315) 343-6310
9The Gioia Insurance Agency112 E Bridge St(315) 293-3333
10Chicago Title Insurance Co46 E Bridge St(315) 342-2184
RH
142 W Utica St
Ray Haynes Jr - State Farm Insurance Agent
Home Insurance Agent · Oswego, NY

Ray Haynes Jr - State Farm Insurance Agent serves the greater Oswego, New York area as a home insurance agent providing coverage for local homeowners. The agency helps customers protect their property from common regional risks including winter weather damage and fire. Policyholders can discuss personalized plans for their single-family homes or rental properties. The agent also assists with securing appropriate liability coverage and additional living expenses if a home becomes uninhabitable. Specific services handled here include standard homeowners insurance and protection for personal belongings against theft or vandalism.

CI
234 East Albany Street 201 S Second Street, Fulton, NY 13069, 234 E Albany St
Canale Insurance & Accounting
Home Insurance Agent · Oswego, NY
OI
166 W 1st St
OVIA Insurance Agencies
Home Insurance Agent · Oswego, NY

OVIA Insurance Agencies serves homeowners in Oswego, New York, alongside local business owners and property managers seeking residential coverage. The agency provides standard home insurance policies that protect dwellings and personal belongings against common regional hazards like winter storms and lake-effect weather. Clients appreciate clear policy explanations and straightforward claims assistance. The company also extends its professional services and coverage options to residents in nearby Fulton, ensuring comprehensive protection for property owners throughout northern Oswego County.

CN
209 W 7th St
Christopher Nelson - State Farm Insurance Agent
Home Insurance Agent · Oswego, NY

Christopher Nelson of the Oswego, New York area offers home insurance coverage through both one-time policy reviews and ongoing service options for ongoing protection. Policies can address structure, personal property, and liability risks that homeowners commonly face. The agency tailors coverage limits and deductibles to fit individual property needs and financial preferences. Service for policy maintenance and adjustments runs on a one-time or as-needed basis, depending on whether a client requests a single review or requires periodic updates after property changes.

PT
27 Gregory St
Phillip Tyler: Allstate Insurance
Home Insurance Agent · Oswego, NY

Serving Oswego, New York, and the surrounding communities, Phillip Tyler: Allstate Insurance handles a wide range of home insurance needs for local homeowners. The agency works with clients to find appropriate coverage for property damage, personal liability, and valuable belongings. When a typical job arises, such as a claim from a storm or accident, the approach is to guide the homeowner step by step through the claims process from initial report to resolution.

FA
44 E Bridge St #1
FitzGibbons Agency
Home Insurance Agent · Oswego, NY

FitzGibbons Agency in Oswego, NY, specializes in tailoring homeowners policies to cover the unique risks of lakeside properties and older homes common to the region. The agency regularly assists local residents with standard dwelling, liability, and personal property coverage to protect their assets. Its agents help clients navigate specific seasonal concerns, such as ensuring adequate coverage for ice dam damage and frozen pipe bursts during the harsh Oswego winter.

HC
11 4th Ave suite h
Horan Companies - The Insurance Place
Home Insurance Agent · Oswego, NY

Horan Companies - The Insurance Place serves Oswego, New York, and the surrounding communities, handling home insurance policies for local homeowners. It provides coverage options designed to protect residential properties against common risks such as fire, theft, and weather-related damage. The company typically reviews each customer's property details and coverage needs individually to recommend a suitable policy from available carriers. This approach allows it to tailor protections to the specific structure and location of a home while ensuring compliance with lender requirements.

OV
166 W 1st St
Oswego Valley Insurance Agency
Home Insurance Agent · Oswego, NY

Located in Oswego, NY, Oswego Valley Insurance Agency assists clients with standard home insurance policies that protect dwellings and personal property. Beyond basic coverage, it can arrange specialty add-ons for flood, earthquake, or high-value personal items. Serving residential homeowners throughout the local region, the agency also extends its services to commercial sectors, offering policies for offices, warehouses, and food service establishments.

GI
112 E Bridge St
The Gioia Insurance Agency
Home Insurance Agent · Oswego, NY

As Oswego lake-effect snows pile high on roofs and drives each winter, homeowners seek coverage that reflects true local conditions. The Gioia Insurance Agency addresses this need directly, tailoring home insurance policies to protect against ice-dam leaks, wind, and seasonal freeze risks. Every policy review starts with a clear explanation of what is covered—and what is not—so clients understand their deductibles and limits before a storm arrives. The process begins with an inspection of the property to document current condition and identify any maintenance concerns.

CT
46 E Bridge St
Chicago Title Insurance Co
Home Insurance Agent · Oswego, NY

Chicago Title Insurance Co in Oswego, NY provides residential home insurance services for local homeowners. Commercial coverage is also available for businesses in the surrounding area. The agency helps clients understand their options for protecting property and assets. Regular communication between policy updates ensures that existing customers receive attention for changing needs. They encourage follow-up consultation before renewal periods to review current coverage, allowing for efficient repeat service between scheduled annual visits and adjustments when necessary.

ZU
100 W 5th St
Zurich
Home Insurance Agent · Oswego, NY
(315) 342-1875
zurich.com
AP
27 Gregory St
Allstate Personal Financial Representative: Lester Kelsey
Home Insurance Agent · Oswego, NY
(315) 343-1262
agents.allstate.com/lester-kelsey-oswego-ny.html
NM
218 W 8th St
Northwestern Mutual
Home Insurance Agent · Oswego, NY
(315) 343-2323
oswego.nm.com
PT
NY 104
Phil Tyler Insurance Agency
Home Insurance Agent · Oswego, NY
(315) 343-3029
agents.allstate.com/phillip-tyler-oswego-ny.html

What Does a a Home Insurance Agent in Oswego Cost?

The average cost of home insurance in New York is about 1,200 to 2,000 dollars per year for a standard policy. In Oswego, rates may be higher due to lake effect snow and wind risks. Costs vary based on your homes age construction and coverage limits. This is general information not insurance advice.

About home insurance agents in Oswego

Home insurance agents in Oswego New York help you find coverage for your house and belongings. New York state law requires insurers to offer replacement cost coverage for dwelling policies. Agents can explain local risks like lake effect snow and flooding near Lake Ontario.

Frequently Asked Questions

What does a home insurance agent in Oswego do?

A home insurance agent helps you compare policies from different companies. They explain coverage options like dwelling protection and personal liability. They also assist with filing claims after a loss.

Do I need flood insurance in Oswego New York?

Standard home insurance does not cover flood damage. Oswego is near Lake Ontario and the Oswego River so flood risk is higher. You may need a separate flood policy from the National Flood Insurance Program.

How long do I have to file a home insurance claim in New York?

New York law does not set a specific deadline but most policies require you to notify the insurer promptly. You should report damage within a few days. Check your policy for exact time limits.

Home Insurance Agents in Other New York Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each home insurance agent's credentials and current standing with your state Department of Insurance.