Picture this: a sudden hailstorm pelts down on your Frankfort home just as you’re preparing for a summer barbecue (sounds crazy, but with Midwest weather, you never know, right?). Within hours, neighbors are calling contractors, and some are on the phone with their insurers. If you’re covered, it’s a minor inconvenience. If you’re not—or your policy has limits you didn’t know about—it’s a costly mess.
The thing is, insurance isn’t just about national trends. Where you live—right down to your street—can change your coverage needs. At Hicks Insurance Group, we’ve seen firsthand how Frankfort’s unique climate, regulations, and community behavior shape insurance for homeowners, renters, and businesses.
This blog unpacks how local factors influence insurance in Frankfort and surrounding areas like Mokena, New Lenox, and Orland Hills—so you can be prepared, not panicked. If you have any questions or comments, feel free to reach out to our dedicated Frankfort insurance agents!  We’re ready to address any points you might have regarding your coverage!
Frankfort, Illinois, nestled in the southwest suburbs of Chicago, blends historic charm with modern growth. With a walkable downtown, seasonal festivals like the Frankfort Fall Fest, and strong neighborhood connections, it’s a place where people value relationships and community trust.
We at Hicks Insurance are proud to be a part of that hometown fabric. Located just minutes from Frankfort, we understand the specific challenges and needs of residents—from insuring character-rich older homes to tailoring policies for new builds with finished basements, pools, or trampolines. Our familiarity with local ordinances, zoning changes, and storm trends means we’re not just selling policies—we’re helping our neighbors protect what matters most.
Whether you’re running a small business, managing a multi-car household, or safeguarding a custom home, Frankfort’s unique mix of suburban comfort and rural edges calls for more than a one-size-fits-all approach. As a local agency with deep roots in the area, Hicks Insurance Group delivers a personalized, locally-informed protection every step of the way.Â
Living in Frankfort means adapting to a four-season climate—beautiful, yes, but unpredictable and sometimes severe.
As Lanie Hicks, a Hicks Insurance agent, notes:
“One hailstorm led to almost half of our area needing new roofs. There’s not much prep besides regular inspections—and being wary of door-to-door contractors offering quick fixes.”
💡 Tip: Check if your policy includes “Ordinance or Law” coverage. Older buildings in Frankfort may not meet current codes, and you’ll want your policy to cover the cost of updates after a claim.
You don’t need to wait for disaster to strike to protect your home from Frankfort’s unpredictable climate.Â
Start by installing a backup sump pump or a water shutoff sensor—some insurance carriers may even offer discounts for these proactive measures. You should also take steps to make sure your attic insulation is sufficient to prevent ice damming during cold snaps, and trim back any trees that overhang your roof to reduce the risk of damage during summer storms.Â
Another great preemptive measure you can take is extending your downspouts at least six feet from your home can also help avoid costly foundation cracks. And remember—safety first. Avoid climbing onto the roof yourself; use binoculars for visual inspections or hire a trusted local roofer for a professional assessment.
When it comes to insurance, there’s more than just “general coverage.” Hicks Insurance works to fill the gaps homeowners and business owners in Frankfort might overlook.
âś” Flood Insurance:
 Needed for external water (from rain or rivers). Flood insurance may not seem necessary, but keep in mind—depending on where you live, it may be a requirement.Â
👉 Note: Standard homeowners insurance does not cover this!
âś” Umbrella Policies:
Our umbrella policy can help cover liability beyond what standard policies offer. Crucial if you have a pool, trampoline, or host guests frequently.
âś” Ordinance or Law Coverage:
Mandatory updates after damage may not be covered by default. Always make sure to consistently check what your home coverage entails—feel free to call a Hicks Insurance agent if you have any questions, we are always happy to help!
If you run a business in Frankfort—whether it’s a boutique on Kansas Street, a contracting company, or a home-based service—you face local risks that can directly affect your operations and bottom line. Our Frankfort insurance agents help business owners protect what they’ve built with insurance solutions shaped by real, local experience.
Frankfort’s unpredictable weather, community regulations, and diverse property types all require business insurance that’s flexible and customized. A generic, one-size-fits-all policy often leaves gaps that become painfully clear only after a loss.
Here’s what every Frankfort business owner should consider:
Whether you’re expanding, just starting out, or reviewing your current protection, Hicks Insurance Group offers tailored commercial policies including:
When it comes to safeguarding your business in Frankfort, hometown insight is your biggest asset. Hicks Insurance Group brings decades of local experience, personal service, and commercial expertise—so you’re prepared for whatever comes next.
Accidents happen when you least expect them—and sometimes, the financial fallout exceeds the limits of your standard insurance policies. Whether it’s a serious car accident, a dog bite on your property, or an injury on your trampoline or pool deck, the costs can quickly surpass your homeowners or auto liability coverage. That’s where Umbrella Insurance steps in.
At Hicks Insurance Group, we offer Umbrella Policies designed to provide an extra layer of protection beyond your existing insurance. This affordable, high-coverage option ensures you’re financially secure when the unexpected happens—giving you peace of mind in our increasingly litigious world.
Expands Liability Protection – Offers additional coverage when auto or homeowners limits are maxed out in a lawsuit or major claim.
Protects Your Assets – Shields your savings, home, and future earnings from being seized in personal liability cases.
Covers a Broader Range of Risks – Includes situations like libel, slander, and rental property liability not typically covered in standard policies.
Affordable for the Value – High levels of protection are available at a fraction of the cost compared to primary insurance.
Imagine a powerful summer storm sweeps through Frankfort, toppling a large tree in your yard that crashes into a neighbor’s home. The resulting damage exceeds the liability coverage in your homeowners policy—and your neighbor is seeking full restitution. Without umbrella insurance, you could be responsible for the remainder out-of-pocket. With Hicks Insurance Group, your umbrella policy steps in when your primary coverage runs out, protecting your savings, your home, and your peace of mind. It’s an essential safeguard when nature strikes unexpectedly.
If your insurance hasn’t been reviewed in a while, or if you’ve experienced new home improvements, it’s time for a policy check. Start with a no-pressure quote, today!
Q1: Is water backup the same as flood insurance?
No. Water backup covers internal water (sump pump failure), while flood insurance covers external water (heavy rain, rising rivers).
Q2: Can I walk in for a quote?
Yes, though it’s best to call ahead. Walk-ins are welcome for those wanting to meet their agent face-to-face.
Q3: Does homeowners insurance cover storm damage?
Generally yes—but policies vary. Roof age, maintenance, and deductible choices all affect your payout.
Q4: Are trampoline and pool owners at higher risk?
Yes. That’s why umbrella insurance is strongly recommended to cover additional liability.
Q5: Can I bundle home and auto insurance?
Absolutely. Bundling may lead to better coverage and pricing.
Frankfort’s local factors—ranging from unpredictable Midwest weather and shifting housing trends to unique zoning ordinances—have a direct impact on your insurance needs. These aren’t just background details; they’re the realities that determine how well your home, vehicles, or business are protected when the unexpected happens. That’s why working with a truly local insurance agency like Hicks Insurance Group matters.
We’re so much more than a policy provider—we’re part of the community. Our team understands how a spring storm can knock out power and flood basements, how new developments may bring increased traffic risks, or how a local ordinance can affect your property’s rebuild requirements. We live and work in the same neighborhoods as our clients, and that means we offer not just policies, but tailored solutions based on firsthand experience.
When you partner with Hicks, you’re not just buying insurance. You’re gaining a trusted local advocate—someone who knows Frankfort’s risks, who speaks your language, and who’s ready to help you make informed choices about coverage. Whether you’re reviewing your current policies or starting fresh, give us a call at (708) 532-7474, or contact us through our online portal. Because here, local knowledge isn’t a luxury—it’s a necessity. And with Hicks Insurance Group, it’s built into everything we do.
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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