Holten Insurance Agency
4913 Seeley St, Oswego, IL 60543
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4913 Seeley St, Oswego, IL 60543
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Oswego, IL 60543, Oswego, IL 60543
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2175 Collins Rd, Oswego, IL 60543
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44 Monroe St, Oswego, IL 60543
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Learn about insurance coverage options specific to Oswego residents.
Complete insurance guide for Oswego, Illinois covering auto requirements, flood insurance for Fox River properties, local agents, and Kendall County rates.
Home InsuranceOswego home insurance guide: tornado risk, Fox River flooding, rate increases up to 27%, and how to protect your home in Illinois' fastest-growing suburb.
Car InsuranceLearn about Illinois's at-fault system, 25/50/20 minimums, and what Oswego drivers need to know about auto insurance on US-34 and beyond.
Illinois requires all drivers to carry minimum liability coverage of 25/50/20, which means $25,000 per person and $50,000 per accident for bodily injury liability, plus $20,000 for property damage liability. You must also carry uninsured motorist coverage with 25/50 limits. However, many experts recommend higher limits since these minimums may not adequately cover costs in a serious accident.
No, standard homeowners insurance policies do not cover flood damage. Since Oswego sits along the Fox River and Waubonsee Creek, you need separate flood insurance to protect against water damage from overflowing rivers or heavy rain. The Village of Oswego participates in the National Flood Insurance Program, making flood coverage available through your regular insurance agent with up to $250,000 for structure and $100,000 for contents.
While exact rates vary based on your driving record, age, vehicle, and coverage choices, Illinois drivers pay an average of $158 per month for full coverage in 2025. Oswego residents typically enjoy more competitive rates than Chicago proper since Kendall County has lower population density and less traffic. Getting quotes from multiple local agents can help you find the best rate for your specific situation.
While flood insurance is only required for homes in Special Flood Hazard Areas with federally backed mortgages, it's available to all Oswego residents at lower rates outside high-risk zones. Consider that homes in the 100-year floodplain have a 26% chance of flooding during a 30-year mortgage versus just 4% chance of fire. Even properties outside designated flood zones can experience water damage from heavy storms or drainage issues.
Local agents in Oswego offer valuable advantages including knowledge of Fox River flood patterns, familiarity with Kendall County-specific risks, and personal service during claims. They can also spot coverage gaps and bundle policies for maximum savings. While online quotes are convenient, a local agent's expertise can save you money and prevent coverage mistakes that could cost thousands in an uncovered loss.
Most insurance carriers offer multi-policy discounts of 15-25% when you bundle auto and home insurance. Other common discounts include good student discounts, safety feature discounts for alarm systems or anti-theft devices, multi-car discounts, good driver discounts, and discounts for completing defensive driving courses. Ask your local Oswego agent about all available discounts since many people qualify for savings they don't know exist.
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