Your Manhattan home is the heart of your family’s life—a place of comfort, security, and cherished memories. In Manhattan’s close-knit community where neighbors know each other and families put down roots, protecting your home with comprehensive homeowners insurance is essential.
At Hicks Insurance Group, we’ve been serving Manhattan 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 tailored to your Manhattan property.
Why Manhattan Homeowners Choose Hicks Insurance Group:
A comprehensive homeowners insurance policy protects your Manhattan home with multiple types of coverage working together to safeguard your investment:
Protects: The physical structure of your home—walls, roof, foundation, attached garage, and built-in appliances
Coverage Details: If your Manhattan 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.
Manhattan Considerations: Many Manhattan homes feature larger square footage, custom features, or rural characteristics that impact replacement costs. Your dwelling coverage must reflect the full replacement cost of your specific property—not just the market value or mortgage balance.
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.
Manhattan Family Homes: Many Manhattan homes have finished basements, home offices, workshops, and extensive personal property. Ensuring adequate coverage limits protects your family’s possessions. High-value items like jewelry, tools, electronics, and collectibles may require scheduled coverage.
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. Standard policies offer $100,000 to $500,000 in liability coverage.
Common Scenarios in Manhattan:
Recommendation: Many Manhattan homeowners carry $300,000-$500,000 in liability coverage, with some opting for umbrella insurance for additional protection. We help you determine appropriate limits based on your assets and risk exposure.
Protects: Your family’s living expenses if your Manhattan 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.
Manhattan Example: If tornado damage requires extensive repairs to your home, ALE coverage ensures your family can stay comfortable in temporary housing without the financial burden.
Protects: Detached structures on your property not attached to your main home
Covered Structures: Detached garages, barns, sheds, workshops, fences, gazebos, swimming pools, and standalone solar panels
Manhattan Application: Many Manhattan properties have multiple outbuildings—detached garages, storage sheds, workshops, or barns. Standard policies provide other structures coverage equal to 10% of dwelling coverage, but this can be increased if you have valuable detached structures. If you have a barn, large workshop, or multiple outbuildings, verify your coverage limits are adequate.
IMPORTANT FOR MANHATTAN AND WILL COUNTY HOMEOWNERS
Why This Matters: Manhattan homes with basements are at risk for 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.
Recommendation: Given Manhattan’s location in Will County and the prevalence of basements, we 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.
Separate Policy Required
Important Distinction: Standard homeowners insurance does NOT cover flood damage from rising water. If your Manhattan property 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.
Manhattan Considerations: While not all Manhattan properties are in designated flood zones, heavy rainfall can still cause flooding. We can help you assess your flood risk and obtain coverage if appropriate for your property.
Enhanced Protection for High-Value Possessions
Why You Need This: Standard homeowners policies have sub-limits for valuable items. If you own expensive jewelry, firearms, tools, farm equipment, or collectibles, you need scheduled personal property coverage.
Items That Often Need Scheduling: Engagement rings, fine jewelry, firearms and gun collections, tools and equipment, musical instruments, antiques, and collectibles
Benefits: Scheduled items are covered at full appraised value with no deductible, often including coverage for accidental damage and mysterious disappearance.
Many Manhattan homes sit on larger lots with acreage, multiple outbuildings, and rural characteristics. We ensure your policy provides adequate coverage for all structures on your property, including barns, workshops, and storage buildings. We also help you understand liability coverage for larger properties where visitors may roam.
If your Manhattan home has a septic system or well, specialized coverage may be needed for repairs and replacements. We help you determine if additional coverage is appropriate for your property’s systems.
Manhattan’s close-knit, family-oriented community means many homes host gatherings, children’s activities, and neighborhood events. Adequate liability coverage protects you if someone is injured during these activities on your property.
Serving Manhattan Since 1998: For over 25 years, we’ve helped Manhattan homeowners protect their properties with comprehensive insurance coverage. Our office in nearby Mokena (19144 88th Avenue) is conveniently accessible from anywhere in Manhattan.
Understanding Manhattan’s Character:
Independent Agency Advantage: As an independent agency partnering with over 14 top-rated carriers, we provide:
We help Manhattan 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, Manhattan 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 for detached buildings. Each component protects a different aspect of your Manhattan 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—a popular option among Manhattan families.
Have more questions? Call us at (708) 532-7474 or request a quote online.
Protect your Manhattan 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 for your specific property.
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 Manhattan Homeowners Choose Hicks Insurance Group:
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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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