Your home isn’t just where you live—it’s where you build memories, raise families, and invest in your future. In a growing town like Manhattan, with its quiet streets and new developments, protecting your home from life’s unexpected events is more important than ever. Whether you’re nestled in a newer subdivision or restoring a farmhouse near Route 52, the right homeowners insurance gives you the confidence to enjoy life without the worry.
At Hicks Insurance Group, we specialize in homeowners insurance for Manhattan residents that’s built around how—and where—you live. From severe Midwest storms and power outages to theft, fire, and liability concerns, we help you secure coverage that fits your home, your budget, and your peace of mind. Contact our team today to get started with a custom quote.
We believe your insurance policy should feel like it was made just for you—because it is. At Hicks Insurance Group, we work with over 14 leading insurance providers to compare rates and tailor a plan that reflects the structure, value, and risks of your property.
What makes our process different:
Learn more about our homeowners insurance solutions.
Many homeowners set their insurance and forget it—but life moves quickly in Manhattan, and your coverage should keep up. Whether you’re expanding your space or navigating new milestones, reviewing your policy regularly can help prevent costly gaps in protection. Here are some of the most common moments that call for a coverage check-up:
If you’ve added a new room, finished your basement, or made any major upgrades to your home, your insurance policy needs to reflect those changes. Increased square footage or higher-value materials can affect your home’s replacement cost—and that should be factored into your coverage limits.
Did you purchase a new engagement ring, expensive artwork, or high-end electronics? Many homeowners policies have limits on personal property, especially for valuables. Adding a scheduled personal property endorsement can ensure these items are fully protected.
Midwest weather is unpredictable—and Manhattan is no exception. If recent years have brought more hailstorms, ice damage, or flooding in your area, it may be time to reevaluate your policy’s limits and optional coverages, such as water backup or flood insurance.
Getting married, starting a family, retiring, or having someone move in with you? These events can change your liability exposure or alter your personal property needs. Make sure your policy grows with your life.
Labor and materials have become more expensive in recent years. If your policy’s replacement cost estimate hasn’t been updated, it may fall short in the event of a total rebuild. Ensuring that your coverage aligns with today’s market prices is a smart move.
An annual review with our team is the best way to stay protected and avoid surprises down the line. Speak with an expert at Hicks Insurance Group to schedule your next policy check-up.
Our homeowners insurance packages typically include:
Optional add-ons include flood insurance, equipment breakdown coverage, water/sewer backup, and umbrella protection.
Buying your first home in Manhattan? Congratulations—and welcome! We know how exciting and overwhelming this time can be. That’s why our agents work with first-time buyers to ensure you fully understand your coverage and feel confident in your choices.
We’ll help you:
We’re here to make sure your coverage supports your new investment—not just today, but for years to come.
Since 1998, Hicks Insurance Group has proudly served families throughout Will County with personalized insurance solutions that put people first.
As independent agents, we have access to 14+ top insurers, allowing us to find competitive pricing and tailored coverage options that fit your needs. What truly sets us apart is our deep connection to the Manhattan community—we live and work here, so we understand the local homes, values, and risks firsthand.
With over 25 years of experience and real, in-office agents ready to help, you’ll never deal with frustrating call centers—just honest, neighborly service. Read what our clients say and discover why Hicks Insurance is trusted across the region.
Living in Manhattan, IL means enjoying your home’s charm—but it also comes with flood risk, especially during spring thaw or heavy summer storms. Standard homeowners policies don’t cover flood damage, which is why flood insurance is so crucial.
Why Flood Insurance Matters:
Flood coverage is a vital complement to your homeowners policy—especially when paired with umbrella insurance, it offers peace of mind no matter what Mother Nature throws your way. Learn more about flood insurance today.
Protecting your home means protecting everything you’ve built. At Hicks Insurance Group, we’re here to make that simple. Whether you’re buying a new house, reviewing an old policy, or just want coverage that works better for your life, we’re ready to help.
Get a free quote or call us at (708) 532-7474 to speak with a local expert today. We typically respond within one business day—and we’re always happy to help you protect what matters most.
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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