Gavop shows you how to buy homeowners insurance in Oswego County, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $39,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $87,000 | $70,000 | $50,000-$75,000 |
| 3 Bedroom | $138,000 | $120,000 | $150,000-$175,000 |
| 4 Bedroom | $160,500 | $140,000 | $175,000-$200,000 |
| 5 Bedroom | $185,500 | $170,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$233 | $993 |
| Superior Protection Discount | -$110 | $1,115 |
| Fire & Security Discount | -$110 | $1,115 |
| Hail Resistant Roof Discount | -$37 | $1,189 |
| Newly Constructed Home Discount | -$270 | $956 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Oswego County | $2,000 | $1,211 | $3,211 | $880 | $2,880 | $331 |
| Oswego County, NY | $1,000 | $1,211 | $2,211 | $880 | $1,880 | $331 |
| Lysander, NY | $200 | $645 | $845 | $469 | $669 | $176 |
| Fair Haven, NY | $1,000 | $584 | $1,584 | $424 | $1,424 | $160 |
| East Syracuse, NY | $100 | $584 | $684 | $424 | $524 | $160 |
| Fairmount, NY | $1,500 | $940 | $2,440 | $683 | $2,183 | $257 |
| Nedrow, NY | $300 | $584 | $884 | $424 | $724 | $160 |
| Savannah, NY | $2,000 | $584 | $2,584 | $424 | $2,424 | $160 |
| Sherrill, NY | $100 | $631 | $731 | $459 | $559 | $173 |
| Denmark, NY | $2,500 | $629 | $3,129 | $457 | $2,957 | $172 |
| Calcium, NY | $500 | $649 | $1,149 | $472 | $972 | $177 |
| Lyonsdale, NY | $2,000 | $584 | $2,584 | $424 | $2,424 | $160 |
| Home Insurance Company Oswego County, NY | Homeowners Insurance Agency Oswego County, NY | Address | Popularity Score | Distance from Oswego County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Crowley Insurance Agency Inc | 202 North Center St, East Syracuse, NY, 13057 | 28.3 | |
| State Farm | Steve Lamonica | 2601 West Genesee Street, Syracuse, NY, 13219-1541 | 28.6 | |
| Travelers | Masterpole Murphy Agency Inc | 1524 W Fayette St, Syracuse, NY, 13204 | 28.4 | |
| Allstate | Andrew Sikora | 7496 Oswego Rd, Liverpool, NY, 13090 | 22.7 | |
| Travelers | Penny Levos Agency Llc | 9562 Brewerton Road, Brewerton, NY, 13029 | 16.2 | |
| Travelers | Central New York Agency Llc | 71 State St Ste A, Phoenix, NY, 13135 | 16.7 | |
| Liberty Mutual Independent | Eastern Shore Associates | 101 Cayuga Street, Fulton, NY, 13069 | 14.1 | |
| Liberty Mutual Independent | Eastern Shore Associates | 101 Cayuga St, Fulton, NY, 13069 | 14.1 | |
| Travelers | Eastern Shore Associates | 90 Main St, Camden, NY, 13316 | 24.8 | |
| Travelers | Parsons & Associates | Galleries Of Syr-Suite 704 440 South Warren St, Syracuse, NY, 13202 | 28.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| New York | $293,000 | $1,164 | $830 | $1,660 | $830 |
| Oswego County, NY | $97,800 | $1,226 | $850 | $1,750 | $900 |
| Oswego County, NY | $97,800 | $1,226 | $890 | $1,750 | $860 |
| Lysander, NY | $176,500 | $653 | $470 | $920 | $450 |
| Fair Haven, NY | $99,800 | $591 | $400 | $850 | $450 |
| East Syracuse, NY | $99,800 | $591 | $400 | $850 | $450 |
| Fairmount, NY | $124,100 | $952 | $660 | $1,350 | $690 |
| Nedrow, NY | $84,600 | $591 | $430 | $830 | $400 |
| Savannah, NY | $84,500 | $591 | $410 | $820 | $410 |
| Sherrill, NY | $147,500 | $639 | $450 | $910 | $460 |
| Denmark, NY | $146,400 | $637 | $430 | $900 | $470 |
| Calcium, NY | $156,900 | $657 | $470 | $930 | $460 |
| Lyonsdale, NY | $84,500 | $591 | $420 | $820 | $400 |