Your Frankfort home is where your family gathers, your memories are made, and your future is built. Protecting this valuable asset with comprehensive homeowners insurance is essential for every Frankfort homeowner.
At Hicks Insurance Group, we’ve been serving Frankfort homeowners for over 25 years. As an independent insurance agency with access to over 14 top-rated carriers, we compare multiple options to find you the best coverage at competitive rates for your Frankfort property.
Why Frankfort Homeowners Choose Hicks Insurance Group:
A comprehensive homeowners insurance policy protects your Frankfort home with multiple types of coverage working together:
Protects: The physical structure of your home—walls, roof, foundation, attached garage, and built-in appliances
Coverage Details: If your Frankfort home is damaged or destroyed by covered perils like fire, windstorm, hail, lightning, or vandalism, dwelling coverage pays to repair or rebuild your home at today’s construction costs.
Frankfort Considerations: Whether you own a historic home in Old Frankfort, a family home in an established neighborhood, or a newer property in one of Frankfort’s growing developments, your dwelling coverage must reflect the full replacement cost—not just your home’s market value or mortgage balance. Frankfort’s mix of architectural styles means each home has unique replacement cost considerations.
Protects: Your belongings—furniture, clothing, electronics, appliances, and personal items throughout your home
Coverage Details: If your possessions are damaged, destroyed, or stolen, personal property coverage reimburses you for their value. Standard policies typically provide coverage equal to 50-70% of your dwelling coverage amount.
Important for Frankfort Families: With many Frankfort homes featuring finished basements, home offices, and extensive personal property, ensuring adequate coverage limits is essential. High-value items like jewelry, electronics, and collectibles may require scheduled coverage for full protection.
Protects: You and your family from financial responsibility if someone is injured on your property or if you’re held responsible for property damage to others
Coverage Details: Liability coverage pays for legal defense costs, medical bills, and damages if you’re sued or found legally responsible for injuries or property damage. Standard policies offer $100,000 to $500,000 in liability coverage.
Common Scenarios in Frankfort:
Recommendation: Many Frankfort homeowners carry $300,000-$500,000 in liability coverage, with umbrella insurance for additional protection. We help you determine appropriate limits for your situation.
Protects: Your family’s living expenses if your Frankfort home becomes uninhabitable due to covered damage
Coverage Details: If fire, severe storm damage, or other covered events force you to temporarily relocate while your home is repaired, ALE coverage pays for hotel stays, temporary rentals, restaurant meals, and other increased living costs.
Frankfort Example: If winter storm damage requires extensive repairs to your home, ALE coverage ensures your family can stay comfortable in temporary housing without financial hardship.
Protects: Detached structures on your property not attached to your main home
Covered Structures: Detached garages, sheds, workshops, fences, gazebos, swimming pools, and standalone solar panels
Frankfort Application: Many Frankfort homes have detached garages, sheds, or outdoor structures. Standard policies provide other structures coverage equal to 10% of dwelling coverage, but this can be increased if you have valuable detached structures.
CRITICAL FOR FRANKFORT AND WILL COUNTY HOMEOWNERS
Why This Matters: Frankfort homes, particularly those with finished basements, are susceptible to water backup from sump pump failures, sewer line blockages, and drain backups—especially common during heavy rainfall in Will County.
What It Covers:
Critical Note: Standard homeowners policies typically exclude water backup damage. You must add this coverage as an endorsement.
Strong Recommendation: Given Frankfort’s location in Will County where basement flooding is common, we strongly recommend adding water backup coverage with limits of at least $10,000-$25,000. The additional premium is modest (typically $50-150/year), but the protection is invaluable for Frankfort homeowners.
Separate Policy Required
Important Distinction: Standard homeowners insurance does NOT cover flood damage from rising water. If your Frankfort home is in a flood zone or you want protection from flooding, you need a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private flood insurance carrier.
Frankfort Considerations: While not all Frankfort properties are in designated flood zones, heavy rainfall and nearby waterways can still cause flooding. We can help you assess your flood risk and obtain coverage if needed.
Enhanced Protection for High-Value Possessions
Why You Need This: Standard homeowners policies have sub-limits for valuable items. If you own expensive jewelry, fine art, collectibles, or high-end electronics, you need scheduled personal property coverage.
Items That Often Need Scheduling: Engagement rings, fine jewelry, watches, musical instruments, camera equipment, furs, firearms, antiques, and collectibles
Benefits: Scheduled items are covered at full appraised value with no deductible, often including coverage for accidental damage and mysterious disappearance.
If you own one of Frankfort’s beautiful historic homes, you may need specialized coverage for period-specific architectural details, custom millwork, and higher reconstruction costs using authentic materials. We work with carriers experienced in insuring historic properties to ensure proper protection.
Frankfort’s growing communities with newer construction often benefit from new home discounts and lower premiums due to updated electrical, plumbing, and roofing systems. We help new homeowners take advantage of available discounts while ensuring comprehensive protection.
Many established Frankfort neighborhoods feature mature trees and extensive landscaping. While beautiful, mature trees can pose risks during storms. We help you understand your coverage for tree damage and ensure appropriate liability limits if a tree from your property damages a neighbor’s home.
Serving Frankfort Since 1998: For over 25 years, we’ve helped Frankfort homeowners protect their properties with comprehensive insurance coverage. Our office in nearby Mokena (19144 88th Avenue) is conveniently accessible from anywhere in Frankfort.
Understanding Frankfort’s Character:
Independent Agency Advantage: As an independent agency partnering with over 14 top-rated carriers, we provide:
We help Frankfort homeowners maximize available discounts while maintaining comprehensive protection:
Common Discounts:
Perfect 5.0 out of 5 stars
Based on 1,414+ Google reviews
“Will County’s highest-rated insurance agency”
For over 25 years, Frankfort families have trusted Hicks Insurance Group to protect their homes. Our perfect 5-star rating reflects our commitment to delivering expert advice, flexible options, and real relationships you can count on.
Standard homeowners insurance provides dwelling coverage for your home’s structure, personal property coverage for your belongings, liability protection, additional living expenses, and other structures coverage. Each component protects a different aspect of your Frankfort property.
Contact Hicks Insurance Group immediately at (708) 532-7474. We’ll guide you through the claims process, help you document damage, contact your insurance carrier, and work to ensure a fair settlement.
Yes! Bundling your homeowners and auto insurance typically saves you 15-25% on both policies. We specialize in multi-policy packages and show you exactly how much you’ll save by bundling.
Have more questions? Call us at (708) 532-7474 or request a quote online.
Protect your Frankfort home with comprehensive coverage at competitive rates. Our experienced team compares options from over 14 top-rated carriers to find you the best protection and value.
Three Easy Ways to Get Your Free Quote:
Office Hours:
Monday-Thursday: 9:00 a.m. – 5:00 p.m.
Friday: 9:00 a.m. – 4:00 p.m.
Saturday & Sunday: Closed
Why Frankfort Homeowners Choose Hicks Insurance Group:
Give us a call today and we can help.
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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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