Home Insurance in Oshkosh, WI
Protect your most valuable possessions with home insurance in Oshkosh, WI.
Oshkosh, WI, is probably best known as the home of children's clothing manufacturer OshKosh B'Gosh. However, with its more than 30 listings on the National Register of Historic Places, Leach Amphitheater, Grand Opera House and the Menominee Park Zoo, there is plenty for the town's more than 65,000 residents to see and do.
Thanks to its many college students and recent graduates, Oshkosh is a popular destination for young professionals. Whether you're just getting your start or heading into your retirement years, VIU by HUB can help you find affordable rates on the home insurance you need to protect your investment.
Summers in Oshkosh are typically mild, but the winters are cold, snowy and windy. The average high temperature during the winter months is just 37°F. and lows dip into the teens in the coldest part of the winter.
Freezing temperatures can cause water damage from burst pipes and ice dams. The weight of heavy snow can cause damage to roofs and create flooding conditions when spring thaws arrive.
During the windiest part of the year, the average wind speed is 12.7 mph. Gusting winds can blow shingles off roofs and damage unsecured outdoor property and landscaping. Fortunately, home insurance in Oshkosh, WI, provides financial protection from damage caused by harsh winter weather.
The average cost of home insurance in Oshkosh, WI, is $1,078 per year, which is lower than the state and national average. Oshkosh is also one of the most affordable cities in Wisconsin with rates that are about 4-5% cheaper than cities such as Menomonee Falls, Portage and Madison.
Property values, crime rates and proximity to hazards, such as bodies of water, can all impact the average cost of insurance in a city. Your rates may be higher or lower than the average for your area depending on factors such as:
Even though residents of Oshkosh enjoy lower rates than much of the rest of the state, you may still be able to get a lower premium with a different insurance company. VIU by HUB can help you find the best rates on the coverage you need.
Standard homeowners insurance policies cover:
Most homeowners' policies cover common causes of loss, such as fire, wind, lightning, theft, vandalism and explosion. Additionally, most policies provide limited coverage for some types of water damage, such as water from a burst pipe or rain that enters through a storm-damaged roof.
Most policies do not cover insect damage, poor maintenance, flooding, earthquakes, war or nuclear hazards. You may be able to purchase coverage for excluded causes of loss, such as flooding, by endorsement or as a separate policy.
Different insurance companies charge different rates and offer different discounts and perks. You may be able to get the same or better coverage at a lower price from a different provider of home insurance in Oshkosh, WI. No matter what your needs are, you should always compare quotes from more than one company before you purchase a policy.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
