Owning a home in Chicago could mean dealing with everything from lake-effect snow and spring rainstorms to urban property concerns like break-ins or building damage. Homeowners in the city face a unique set of risks—and a one-size-fits-all policy won’t cut it. That’s why Hicks Insurance Group works directly with homeowners to build customized insurance policies based on your property type, budget, and specific concerns.
Whether you live in a condo on the North Side or a single-family home in Beverly, we take the time to evaluate your needs and explain your options clearly. Every policy starts with a personal review, not just a quote. If you’re ready to review or improve your coverage, contact our team today to start the process.
We don’t chase the cheapest policy—we help you build the right one. Our team reviews your home’s features, location, and valuables before comparing plans from more than a dozen top carriers. Once we understand your risks, we match you with coverage that fits your life—not someone else’s. Learn more about what our tailored approach to homeowners insurance includes by visiting our home insurance page.
Even a small change in your home can impact your coverage needs. Speak with an agent to find out if your policy is still the best fit.
Dwelling Coverage
This protects the physical structure of your home, including the walls, roof, and foundation, from events like fire, wind, or vandalism. It’s the foundation of any homeowners insurance policy.
Other Structures
Detached structures such as garages, sheds, fences, or gazebos are covered under this part of your policy. If they’re damaged by a covered peril, you won’t be left paying out of pocket.
Personal Property
From furniture and electronics to appliances and clothing, this coverage helps replace your belongings if they’re stolen, lost in a fire, or damaged during a storm.
Liability Coverage
If someone is injured on your property or you accidentally cause damage to someone else’s, liability insurance helps cover legal costs, medical expenses, and settlement fees.
Medical Payments
This provides quick, no-fault coverage for guests who are injured on your property—regardless of liability. It’s a helpful safety net for minor incidents.
Water Backup Coverage
Standard policies often exclude damage from sump pump failures or backed-up drains. This optional add-on protects you from costly cleanup and repairs due to indoor water overflow.
Your home and lifestyle are unique. That’s why we take the time to help you build a policy that works—not just one that checks the boxes.
Many first-time homeowners in Chicago are surprised to learn what their policy doesn’t cover. Items like jewelry, basement flooding, or accidental breakage often require additional protection. We identify these gaps before they become problems—so you’re not caught off guard when disaster strikes.
If you haven’t reviewed your homeowners policy since moving in—or ever—it’s time to take a closer look. Hicks can help you fill in the gaps, increase your limits, or simplify your policy altogether.
Protect Your Home from Uncovered Risks
Most standard homeowners insurance policies don’t include flood coverage. Yet in a city like Chicago—where summer storms, aging sewers, and sudden downpours are common—flood damage is a very real risk. Without a flood insurance policy, you could be left paying out of pocket for tens of thousands in repairs.
At Hicks Insurance Group, we help homeowners add targeted flood insurance to their existing plans, ensuring your basement, foundation, and valuables are protected.
Why Flood Insurance Matters
If your home has even a small flood risk, explore your options for flood insurance today with a member of our team.
You’ve worked hard for your home—let us help you protect it with the right coverage at the right price. Hicks Insurance Group is here to walk you through every step of the process, from risk review to policy selection and beyond.
Get your personalized quote now or contact our agents for a one-on-one consultation. Prefer to speak with someone directly? Call us today at (708) 532-7474.
Give us a call today and we can help.
If you are new to Hicks Insurance, you probably have some questions. Let's help you get some answers.
If you cause an accident, be prepared to pay your deductible. After you’ve done that, your insurance company should pay the remaining costs, including damages or medical expenses you caused to other parties involved.
Your business insurance needs are as unique as your business itself. While all businesses need certain types of coverage—general liability, business property, and workers’ compensation, for example—your other needs hinge on your type of business. If, for example, you use vehicles in your line of work, you need business auto insurance. Similarly, businesses that manufacture a product should consider product liability insurance. Talk to your agent to determine your exact needs.
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