Frankfort’s charm lies in its blend of historic homes, family neighborhoods, and scenic suburban growth. From the classic properties near Old Plank Trail to modern builds off La Grange Road, every home in Frankfort holds value worth protecting. That’s where the right homeowners insurance comes in—not just to meet mortgage requirements, but to provide real peace of mind.
At Hicks Insurance Group, we understand that no two homes—or homeowners—are alike. That’s why our personalized homeowners insurance policies start with a deep dive into your property, your risks, and your goals. As a leading independent insurance agency in Frankfort, we’ll help you get the protection you need—not a generic policy. Contact our team to get started!
At Hicks, we prioritize your needs over one-size-fits-all pricing. Our advisors work closely with you to understand your property and lifestyle before recommending coverage.
Here’s how we build the best home insurance near Frankfort:
Life doesn’t stand still—and neither should your insurance coverage. As your home and lifestyle evolve, the policy you took out a few years ago might no longer reflect your current needs or risks. That’s why periodic reviews of your homeowners insurance aren’t just helpful—they’re necessary for maintaining the right level of protection.
Here are some key times when it makes sense to take another look at your policy:
Even if you haven’t experienced a major change, reviewing your policy annually is a smart habit that can uncover gaps or potential savings. Speak with one of our agents for a quick, no-pressure check-up—it could make all the difference in a claim situation.
Dwelling Coverage
Protects the structure of your home from risks like fire, storm damage, or vandalism.
Personal Property
Covers furniture, electronics, clothing, and valuables inside your home.
Liability Protection
Pays for legal fees or damages if someone is injured on your property.
Other Structures
Includes detached garages, fences, and sheds.
Additional Coverage Options
Flood insurance, high-value item riders, and more—customized for your needs.
Every plan is tailored to ensure you’re not overpaying—or under-protected.
Buying your first home in Frankfort? We know how overwhelming insurance can feel. From understanding deductibles to choosing proper replacement cost values, we walk you through every detail with clarity and care.
Many homeowners also overlook risks like flood damage (even outside FEMA zones) or forget to add coverage for jewelry, antiques, or collectibles. Our agents help identify these gaps and recommend affordable home insurance coverage to keep your assets secure.
We’ve served Frankfort families since 1998 with honesty, local expertise, and unmatched personal service.
Many homeowners are surprised to learn that standard homeowners insurance does not cover flood damage—even in moderate-risk areas like Frankfort. With weather patterns becoming more unpredictable, just one major storm could cost thousands in out-of-pocket repairs, even if your home isn’t in a designated flood zone.
At Hicks Insurance Group, we offer custom flood insurance policies that work alongside your homeowners coverage, helping to protect your property, belongings, and financial stability in the event of a flood. From sump pump overflows to flash flooding caused by intense storms, we help you understand your risks and get the right protection in place—before the waters rise.
Flood insurance is especially important for:
Flood damage is costly—but preventable with the right coverage. Learn more about flood insurance and how we can help you weather the storm with confidence.
Your home is more than just a place to live—it’s where your life happens. As one of your biggest investments, it deserves the kind of protection that’s thoughtfully planned and locally informed. At Hicks Insurance Group, we don’t believe in cookie-cutter policies. We take the time to understand your home, your neighborhood, and your future goals to build a plan that actually fits.
Whether you’ve just moved to Frankfort, upgraded your property, or haven’t reviewed your coverage in years, now is a great time to take a fresh look. We make the process easy, transparent, and personal—no pressure, just helpful guidance from a team that cares.
Get a free quote or contact us to schedule your review. Prefer to talk first? Call us at (708) 532-7474—we typically respond within one business day, and we’re always happy to help.
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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