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.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Ray Haynes Jr - State Farm Insurance Agent | 142 W Utica St | (315) 343-3276 |
| 2 | Canale Insurance & Accounting | 234 East Albany Street 201 S Second Street, Fulton, NY 13069, 234 E Albany St | (315) 343-4456 |
| 3 | OVIA Insurance Agencies | 166 W 1st St | (315) 343-6310 |
| 4 | Christopher Nelson - State Farm Insurance Agent | 209 W 7th St | (315) 342-3639 |
| 5 | Phillip Tyler: Allstate Insurance | 27 Gregory St | (315) 343-1262 |
| 6 | FitzGibbons Agency | 44 E Bridge St #1 | (315) 342-5000 |
| 7 | Horan Companies - The Insurance Place | 11 4th Ave suite h | (315) 343-6343 |
| 8 | Oswego Valley Insurance Agency | 166 W 1st St | (315) 343-6310 |
| 9 | The Gioia Insurance Agency | 112 E Bridge St | (315) 293-3333 |
| 10 | Chicago Title Insurance Co | 46 E Bridge St | (315) 342-2184 |
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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