Skip to content Accessibility info

Sherman, IL Homeowners Insurance

Homeowner Insurance

Houses are just as unique as the families who live in them, having an agent that understands that makes the tough times more manageable. The Trusted Choice insurance professionals at Ogden Insurance know that feeling safe and secure in your home is a top concern, and we pride ourselves on putting our customers’ first not the bottom line. As an independent insurance agency, we know your concerns because we are living and working alongside you in the Athens community, unlike a large corporate company who only knows you as premium dollars and policy numbers.

Finding the Right Homeowners Policy

Knowing that there is not a one-size-fits-all solution for insurance as each customer and situation are unique, our skilled agents will get to know you and write policies tailor-made with your needs in mind. We know that some clients prefer homeowner’s policies with lower deductible amounts that would minimize out-of-pocket expenses as a result of a covered loss. We can also build policies with variable limits for our clients. Depending on the insurable value of your home and belongings; you can determine the limits you want. Our agents may also suggest an umbrella policy in most cases to add another safeguard 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 have flexible deductible amounts 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.