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Browse home insurance agents serving Oswego, New York. Contact information and addresses listed below.
13 agents listed
Updated May 2026
Oswego, NY
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of New York before hiring.
Showing 13 home insurance agents in Oswego, NY
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Ray Haynes Jr - State Farm Insurance Agent
142 W Utica St, Oswego, NY 13126
(315) 343-3276
rayhaynesoswegoins.com
OVIA Insurance Agencies
166 W 1st St, Oswego, NY 13126
(315) 343-6310
Phillip Tyler: Allstate Insurance
27 Gregory St, Oswego, NY 13126
(315) 343-1262
agents.allstate.com
Christopher Nelson - State Farm Insurance Agent
209 W 7th St, Oswego, NY 13126
(315) 342-3639
chrisnelsoninsurance.net
FitzGibbons Agency
44 E Bridge St #1, Oswego, NY 13126
(315) 342-5000
askfitz.com
Horan Companies - The Insurance Place
11 4th Ave suite h, Oswego, NY 13126
(315) 343-6343
horaninsured.com
The Gioia Insurance Agency
112 E Bridge St, Oswego, NY 13126
(315) 293-3333
agents.farmers.com
Oswego Valley Insurance Agency
166 W 1st St, Oswego, NY 13126
(315) 343-6310
progressiveagent.com
Chicago Title Insurance Co
46 E Bridge St, Oswego, NY 13126
(315) 342-2184
ctic.com
Zurich
100 W 5th St, Oswego, NY 13126
(315) 342-1875
zurich.com
Allstate Personal Financial Representative: Lester Kelsey
27 Gregory St, Oswego, NY 13126
(315) 343-1262
agents.allstate.com
Northwestern Mutual
218 W 8th St, Oswego, NY 13126
(315) 343-2323
oswego.nm.com
Phil Tyler Insurance Agency
NY 104, Oswego, NY 13126
(315) 343-3029
agents.allstate.com
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.
What Does 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.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
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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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of New York.