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Athens, IL Homeowners Insurance

Homeowner Insurance

Your home is as individual as you are and having an agent that understands that is priceless. Feeling safe and secure whether you live in a house or condo is a top priority. The Trusted Choice insurance professionals at Ogden Insurance know this, and we pride ourselves on putting our customers’ interests first not the bottom line. As an independent insurance agency, we know your concerns first-hand by living and working in the Athens community, unlike a large corporate company who only knows you as premium dollars and policy numbers.

Finding the Right Homeowners Policy

We find out when it comes to insurance there is not a one-size-fits-all solution as each customer ad circumstance is unique. Our experienced agents will get to know you and write policies to meet your unique needs. We are conscious of the fact that some of our customers prefer homeowner’s policies with lower deductible amounts that would lower out-of-pocket costs in the event of a covered loss. We also accommodate variable limits for our clients depending on the total value of your home and belongings; you can determine the limits you want. Our agents may recommend an umbrella policy in most cases to add another layer of protection against potential losses.

Standard Coverage and Coverage Options

Homeowners insurance comes with certain standard coverage, like most insurance policies. This coverage entails:

  • Property coverage to share the cost of repairs or rebuilding of a home after a covered loss
  • Contents coverage to help with the expense of the replacement of personal belongings lost, stolen or damaged in a covered loss
  • Personal liability coverage for you and your family in the household with you, no matter where in the world you travel
  • Additional living expenses provides a place to keep you and your family sheltered if your home becomes unlivable due to a covered loss

We offer flexible deductible and limit options; as well as policies with extended coverage options based on customer circumstances. Options include:

  • Flood and earthquake insurance
  • Rental property insurance
  • Landlord liability coverage
  • Seasonal home insurance
  • Vacant home coverage
  • Personal umbrella policies

Fill out the simple online quote form today to learn more about affordable homeowners insurance options from Ogden Insurance. To speak with one of our insurance professionals, call our office during regular business hours. We look forward to protecting the things that matter most to you.