Business Details
50+ Years
experience
Your Trusted Insurance Partner in Ottoville for 70 Years
For seven decades, Niedecken-Hilvers Insurance Agency has served Ohio communities with personalized insurance solutions. Our team of experienced professionals combines local expertise with access to top-tier national carriers to deliver tailored coverage for personal and commercial clients. We prioritize understanding individual needs, offering competitive rates, and maintaining transparency across home, auto, health, life, and business insurance products. Our commitment to excellence is reflected in our long-standing relationships with policyholders and industry partners alike. 
Services
Auto Insurance
Home Insurance
Commercial Insurance
Health Insurance
Life Insurance
Flood Insurance
Earthquake Insurance
Umbrella Insurance
Renter Insurance
Business Insurance
Details
- Year established: 1955
Highlights and features
- We offer 70 years of localized insurance expertise and community understanding.
- Our team maintains partnerships with top national and regional insurance carriers.
- We provide personalized service through agents licensed in Ohio, Indiana, and Michigan.
- Our agents hold professional designations like CIC, CPIA, and CISR certifications.
- We specialize in matching clients with competitive, tailored insurance solutions.
Services
Auto Insurance
We provide comprehensive auto insurance solutions protecting vehicles and drivers across multiple states. Our policies cover liability, collision, and specialized needs like collector cars or rental properties. With access to top carriers, we help clients find competitive rates while ensuring adequate protection for personal and commercial vehicles.
Commercial Insurance
Our commercial insurance packages safeguard businesses against property damage, liability claims, and operational risks. Services include builders' risk, cyber liability, and workers' compensation coverage tailored to specific industries. We work closely with clients to create customized policies protecting assets and ensuring business continuity across Ohio, Indiana, and Michigan.
Home Insurance
We offer homeowners and renters insurance covering structural damage, personal belongings, and liability protection. Additional options include flood, earthquake, and valuable items coverage for enhanced security. Our agents help clients navigate policy details to ensure comprehensive protection matching their property's unique needs and location risks.
Health Insurance
Our health insurance services include individual, family, and supplemental policies through top-rated carriers. We assist clients with ACA-compliant plans, Medicare options, and long-term care insurance. The team provides personalized guidance to help clients select coverage aligning with their medical needs and budgetary constraints.
Life Insurance
We offer term and permanent life insurance solutions providing financial protection for families and business partners. Policies include customizable death benefits and cash value components to meet diverse estate planning needs. Our agents help clients evaluate options to ensure appropriate coverage for their specific life stages and financial goals.
People
James H. Niedecken
Agent, Retired President
With 55+ years in insurance, James brings deep expertise in life, health, and business coverage. A third-generation Ottoville resident, he previously led the agency for 29 years while maintaining industry leadership roles.
Kimberly M. Hilvers
Agent & Owner/President
As a third-generation insurance professional, Kimberly specializes in property, casualty, and health insurance. She holds multiple industry certifications and serves on Ohio Insurance Agents Association committees while managing agency operations.
Cora A. Kehres
Agent
Cora offers 15+ years of property and casualty insurance experience, focusing on personalized risk management solutions. She has served Niedecken-Hilvers clients since 2006, maintaining specialized CISR certification for commercial insurance excellence.
Jackie M. Beam
Agent
Jackie transitioned to insurance after 20 years in healthcare, bringing client-focused service expertise. She holds dual certifications in property/casualty and life/health insurance, specializing in matching clients with comprehensive coverage solutions.
Danielle M. Becker
Secretary
Danielle manages administrative operations with 5+ years of insurance industry experience. A marketing graduate, she supports client services while pursuing advanced industry designations to enhance policyholder support capabilities.
Questions
How can I request insurance coverage?
Contact us via phone at (419) 453-3448 or submit our online quote request form to begin discussing coverage options tailored to your needs.
What geographic areas do you serve?
We primarily serve Ohio communities, with insurance licensing available for clients in Indiana and Michigan as well.
What insurance types do you offer?
We provide auto, home, commercial, health, life, and specialty insurance including flood, earthquake, and business liability coverage.
Can you help compare insurance providers?
Yes, as independent agents we represent multiple carriers like Progressive, Auto-Owners, and Grange to find you competitive coverage options.
Are evening or weekend appointments available?
Our office hours are Monday-Friday 9:00-5:00 and Thursday until noon. We recommend scheduling appointments during these times for best availability.
