Business Details
50+ Years
experience
Trusted Insurance Solutions in Ottoville, OH
Niedecken-Hilvers Insurance Agency has served the Ottoville community for 70 years as a locally owned and operated insurance provider. Our team of experienced agents delivers personalized service and competitive rates across home, auto, commercial, life, and health insurance. We maintain strong partnerships with top national and regional carriers to ensure quality coverage tailored to Ohio, Indiana, and Michigan residents. Our agents combine deep local market knowledge with industry expertise to address clients' unique insurance needs.With decades of collective experience, our team prioritizes transparency, client education, and long-term relationships. We offer convenient access through multiple communication channels and flexible payment options through our carrier partners. Our commitment to excellence is reflected in our professional designations and active participation in industry associations. We specialize in creating customized insurance solutions that protect individuals, families, and businesses throughout the Midwest region.
Services
Auto Insurance
Home Insurance
Commercial Insurance
Life Insurance
Health Insurance
Motorcycle Insurance
Renters Insurance
Flood Insurance
Business Interruption Insurance
Cyber Liability Insurance
Details
- Year established: 1954
Highlights and features
- We offer 70 years of local insurance expertise in the Ottoville community
- Our team holds professional designations including CIC, LUTCF, and CISR
- We partner with top-rated national and regional insurance carriers
- Our agents provide personalized service with deep local market knowledge
- We offer coverage across Ohio, Indiana, and Michigan with local support
Associations and certifications
- Western Reserve Group
- Auto-Owners Insurance
- Celina Insurance Group
- Progressive
- Grange Insurance
Services
Auto Insurance
We provide comprehensive auto insurance solutions protecting vehicles and drivers across multiple states. Our policies cover liability, collision, and comprehensive damages while offering flexible options for classic cars, motorcycles, and RVs. Our experienced agents help clients navigate coverage options to find cost-effective protection that meets state requirements and personal needs.
Commercial Insurance
Our commercial insurance programs safeguard businesses against property damage, liability claims, and operational disruptions. We offer tailored solutions including general liability, workers' compensation, cyber liability, and specialized coverage for industries like hospitality, manufacturing, and agriculture. Our agents work closely with business owners to create comprehensive risk management strategies that protect assets and ensure continuity.
Home Insurance
We provide customizable home insurance policies protecting residential properties against common risks including fire, theft, and natural disasters. Our offerings include standard homeowners insurance, flood insurance, earthquake coverage, and valuable items protection. Our local agents understand regional risks and help homeowners in Ohio, Indiana, and Michigan secure appropriate coverage for their specific properties.
Life Insurance
Our life insurance solutions offer financial protection for families and business partners through term and permanent policy options. We work with top-rated carriers to provide coverage that meets diverse needs including income replacement, mortgage protection, and estate planning. Our agents provide personalized guidance to help clients understand policy features and select appropriate coverage amounts.
Health Insurance
We offer individual and family health insurance plans meeting Affordable Care Act requirements while providing flexibility in coverage options. Our services include Medicare supplements, short-term medical plans, and long-term care insurance. Our experienced agents help clients navigate complex healthcare options to find affordable solutions that match their medical needs and budget.
People
James H. Niedecken
Agent, Retired President
With over 50 years in insurance, James brings extensive experience as a former agency owner and industry leader. He holds CIC and LUTCF designations and has served in management roles at multiple insurance companies. His expertise spans business, personal, life, and health insurance sectors.
Kimberly M. Hilvers
Agent & Owner/President
As a licensed Property & Casualty and Life & Health agent, Kimberly leads the agency with over 20 years of insurance experience. She holds CIC, CPIA, and CISR designations and serves on the Ohio Insurance Agents Association board. She specializes in business, personal, and health insurance solutions.
Cora A. Kehres
Agent
Cora focuses on property and casualty insurance with over 15 years of experience. Holding the CISR designation, she has served clients at Niedecken-Hilvers since 2006. Her expertise includes personal and commercial insurance products tailored to Midwest residents.
Jackie M. Beam
Agent
Jackie transitioned to insurance after 20 years in healthcare, obtaining her license in Property & Casualty and Life & Health insurance. With CISR and CPIA designations, she provides comprehensive coverage solutions for personal and business clients in the region.
Danielle M. Becker
Secretary
Danielle supports client operations with her insurance industry experience and business administration background. Holding a CPIA designation, she assists with policy administration and client services while pursuing additional professional certifications to enhance client support.
Questions
What types of insurance do you offer?
We offer auto, home, commercial, life, health, motorcycle, renters, flood, business interruption, and cyber liability insurance for clients in Ohio, Indiana, and Michigan.
Are you a local insurance agency?
Yes, we're a locally owned and operated Ottoville-based agency serving the Midwest region since 1954 with personalized insurance solutions and local expertise.
Do you work with multiple insurance companies?
We partner with top national and regional carriers including Western Reserve Group, Auto-Owners Insurance, Celina Insurance, Progressive, and Grange Insurance.
Can I get insurance coverage outside Ohio?
Yes, our agents are licensed to provide coverage in Ohio, Indiana, and Michigan, serving clients across the Midwest region with local agent support.
What insurance services do you provide for businesses?
We offer commercial property, general liability, workers' compensation, cyber liability, business interruption, and specialized industry-specific insurance for businesses in various sectors.
How can I request insurance assistance?
Contact us at (419) 453-3448 or use our online request form to speak with an agent about your insurance needs and obtain a personalized quote.
