How Can I Make My Oswego, IL Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Oswego, IL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Select the Suitable Coverage Value for your Oswego, IL Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $66,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $223,500 | $200,000 | $200,000-$250,000 |
| 3 Bedroom | $179,500 | $150,000 | $175,000-$200,000 |
| 4 Bedroom | $317,000 | $280,000 | $300,000-$350,000 |
| 5 Bedroom | $498,000 | $420,000 | $500,000-$600,000 |
Estimate your Savings with Home Insurance Discounts in Oswego, IL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$149 | $727 |
| Superior Protection Discount | -$88 | $788 |
| Fire & Security Discount | -$79 | $797 |
| Hail Resistant Roof Discount | -$26 | $849 |
| Newly Constructed Home Discount | -$193 | $683 |
Choose the Right Deductible for your Oswego, IL Home | Back to Top
| 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 |
| Kendall County | $1,500 | $862 | $2,362 | $627 | $2,127 | $236 |
| Oswego, IL | $700 | $865 | $1,565 | $629 | $1,329 | $236 |
| Big Grove, IL | $100 | $884 | $984 | $643 | $743 | $242 |
| Kane County, IL | $1,000 | $875 | $1,875 | $636 | $1,636 | $239 |
| Bartlett, IL | $400 | $935 | $1,335 | $680 | $1,080 | $256 |
| Victor, IL | $700 | $979 | $1,679 | $712 | $1,412 | $268 |
| Proviso, IL | $400 | $708 | $1,108 | $514 | $914 | $193 |
| LaSalle County, IL | $700 | $699 | $1,399 | $508 | $1,208 | $191 |
| Lake Barrington, IL | $100 | $1,180 | $1,280 | $857 | $957 | $322 |
| Crystal Lake, IL | $1,000 | $853 | $1,853 | $620 | $1,620 | $233 |
| Flagg, IL | $400 | $647 | $1,047 | $470 | $870 | $177 |
| Rogers, IL | $2,500 | $543 | $3,043 | $395 | $2,895 | $149 |
Identify Top Home Insurance Agents near Oswego, IL | Back to Top
| Home Insurance Company Oswego, IL | Homeowners Insurance Agency Oswego, IL | Address | Popularity Score | Distance from Oswego (miles) |
|---|---|---|---|---|
| Allstate | Gary Longstein | 1106 Chicago Ave, Oak Park, IL, 60302 | 30.5 | |
| Allstate | Brian Kaleel | 1651 W Chicago Ave Apt 1e, Chicago, IL, 60622 | 36.8 | |
| Allstate | Elizabeth (Lisa) Jusino | 1613 S Halsted St, Chicago, IL, 60608 | 36.9 | |
| Farmers | Ken Boncela | 21 W Merchants Dr, Oswego, IL, 60543 | 2.9 | |
| Liberty Mutual Independent | Volkman Insurance Agency Inc | 161 S Lincoln Way Ste 206, North Aurora, IL, 60542 | 8.6 | |
| Allstate | Jason Herbers | 7440 Woodward Ave Ste H, Woodridge, IL, 60517 | 15.7 | |
| State Farm | Rhea Joyer | 4911 N Lincoln Ave Ste C, Chicago, IL, 60625-2609 | 38.3 | |
| State Farm | David Olchowka | 1701 E Woodfield Rd Ste 415, Schaumburg, IL, 60173-5129 | 29.2 | |
| State Farm | Chas Matesi | 44 S Cass Ave, Westmont, IL, 60559-1864 | 19.5 | |
| State Farm | Jonathan Gjeldum | 4260 Westbrook Dr Ste 104, Aurora, IL, 60504-8136 | 7.7 |
Compare Rates for Oswego, IL Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Illinois | $179,700 | $850 | $570 | $1,200 | $630 |
| Kendall County, IL | $214,700 | $873 | $590 | $1,200 | $610 |
| Oswego, IL | $216,500 | $876 | $640 | $1,200 | $560 |
| Big Grove, IL | $205,800 | $895 | $640 | $1,230 | $590 |
| Kane County, IL | $223,400 | $886 | $610 | $1,270 | $660 |
| Bartlett, IL | $264,600 | $947 | $670 | $1,300 | $630 |
| Victor, IL | $268,200 | $991 | $670 | $1,410 | $740 |
| Proviso, IL | $181,600 | $717 | $510 | $1,010 | $500 |
| LaSalle County, IL | $126,100 | $707 | $470 | $1,000 | $530 |
| Lake Barrington, IL | $365,400 | $1,194 | $820 | $1,660 | $840 |
| Crystal Lake, IL | $208,500 | $863 | $630 | $1,220 | $590 |
| Flagg, IL | $117,200 | $655 | $460 | $900 | $440 |
| Rogers, IL | $73,300 | $550 | $370 | $750 | $380 |
Research Home Insurance Companies Reviews in Oswego, IL Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: September 18, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
A deductible is the amount you pay for health care services each year before your health insurance begins to pay. ... The lower a plan's deductible, the higher the premium
Date: June 15, 2019 Age: 20 to 29 Gender: Married Marital Status: Male
Customer Service
I haven't had much interaction, fortunately. I researched the options I had as well as the cost effectiveness and decided State Farm was the best at this time for my needs and budget.
Date: February 07, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
My premium and deductible were the lowest that we could find when shopping insurance quotes for the coverage we have. I could not be more satisfied with the price.
Date: January 09, 2019 Age: Above 60 Gender: Male Marital Status: Unmarried
Policy Offerings
I would have to say that I don't often look at the competitors because I like my company so much and I like my agent. I imagine I could get a better rate if I shopped around but I might not get the level of care I get now.
Date: November 26, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
We currently have State Farm as our home insurance provider. We have never had to file a claim yet but I do know that if you have personal items to be insured be wary because they do discriminate about things like firearms. They do not insure firearms. We learned this by going through their customer service department. We received a letter of denial.
Date: October 30, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Communication
I have had nothing but good experiences with this company and they are always polite and professional when I call.
Allstate Home Insurance Reviews
Date: July 28, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
I haven't really had any negative experiences in this department since i became a home owner two years ago. My main concern is that nothing breaks and everything gets paid for.
Date: July 16, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Customer Service
Our home insurance company gives us excellent customer service. We owned a home and had coverage on it, and then we bought a new home and the insurance was included in the mortgage cost.
Date: March 29, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
Allstate provides Texas homeowners with an exclusive House & Home policy. Standard coverage included in this policy protects against damages made to the property as well as any personal belongings.
Erie Insurance Home Insurance Reviews
Date: July 10, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
Premium and deductible, again, is pretty on par with other companies. What set them apart is the auto policy that they bundle with.
Amica Mutual Insurance Home Insurance Reviews
Date: October 24, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Website/App
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