Your Mokena home is more than just a place to live—it’s where your family creates memories, finds comfort, and builds your future. At Hicks Insurance Group, we understand the unique value of your home and the importance of protecting it with comprehensive homeowners insurance tailored to Mokena’s specific needs.
As a locally-based independent insurance agency serving Mokena since 1998, we’ve helped thousands of homeowners in our community find the right coverage at competitive rates. With access to over 14 top-rated insurance carriers, we compare multiple options to ensure you get the best protection for your home, your belongings, and your family.
Why Mokena Homeowners Choose Hicks Insurance Group:
A comprehensive homeowners insurance policy protects your Mokena 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 Mokena home is damaged or destroyed by covered perils like fire, windstorm, hail, lightning, or vandalism, dwelling coverage pays to repair or rebuild your home. This is typically the largest component of your homeowners policy and should reflect your home’s full replacement cost.
Mokena Consideration: With Mokena’s mix of established neighborhoods and new construction, ensuring your dwelling coverage keeps pace with local building costs is essential. Our team helps you review and adjust your coverage annually to account for rising construction costs.
Protects: Your belongings inside your home—furniture, clothing, electronics, appliances, and personal items
Coverage Details: If your possessions are damaged, destroyed, or stolen, personal property coverage reimburses you for their value. Standard policies typically cover personal property up to 50-70% of your dwelling coverage amount.
Important Note: High-value items like jewelry, fine art, collectibles, and expensive electronics may require additional scheduled coverage or riders to ensure full protection. We help you identify items that need extra coverage.
Protects: You and your family from financial responsibility if someone is injured on your property or if you damage someone else’s property
Coverage Details: Liability coverage pays for legal defense costs, medical bills, and damages if you’re found legally responsible for injuries or property damage. Standard policies typically offer $100,000 to $500,000 in liability coverage, but many Mokena homeowners opt for higher limits.
Common Scenarios:
Recommendation: Consider umbrella insurance for additional liability protection beyond your homeowners policy limits. Many Mokena families carry $1-2 million in umbrella coverage for added peace of mind.
Protects: Your family’s living expenses if your home becomes uninhabitable due to covered damage
Coverage Details: If a fire, severe storm, or other covered event forces you to temporarily move out while your home is repaired, this coverage pays for hotel stays, temporary rentals, restaurant meals, and other increased living costs. Coverage typically lasts until your home is repaired or a set time limit is reached (often 12-24 months).
Mokena Example: If winter storm damage requires extensive repairs to your Mokena 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:
Coverage Limits: Typically 10% of your dwelling coverage, but can be increased if you have valuable detached structures.
CRITICAL FOR MOKENA AND WILL COUNTY HOMEOWNERS
Why This Matters: Many Mokena homes, particularly in established neighborhoods, have finished basements and are susceptible to water backup from sump pump failures, sewer line blockages, and drain backups—especially during heavy rainfall common in Will County.
What It Covers:
What’s NOT Covered in Standard Policies: Most standard homeowners policies exclude water backup damage. This critical coverage must be added as an endorsement.
Our Strong Recommendation: Given Mokena’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.
Separate Policy Required
Important Distinction: Standard homeowners insurance does NOT cover flood damage. If your Mokena 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.
What Flood Insurance Covers:
Mokena Considerations: While parts of Mokena are not in designated flood zones, heavy rainfall and nearby waterways can still cause flooding. Even if you’re not required to carry flood insurance, it may be wise protection. 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 certain categories of valuable items. For example, jewelry may be limited to $1,000-$2,500, and electronics to $2,500-$5,000. If you own items exceeding these limits, you need scheduled personal property coverage.
Items That Often Need Scheduling:
Benefits of Scheduling: Individual items are covered for their full appraised value with no deductible, often including coverage for accidental damage and mysterious disappearance.
Your deductible is the amount you pay out-of-pocket before your insurance coverage kicks in. Choosing the right deductible helps you balance premium costs with financial protection.
Common Deductible Options:
Wind/Hail Deductibles: Many policies have separate (often higher) deductibles for wind and hail damage, sometimes expressed as a percentage of your dwelling coverage (1-5%). Given Illinois weather patterns, understanding your wind/hail deductible is important.
Our Guidance: We help you select a deductible that aligns with your financial situation and risk tolerance. Consider choosing a deductible you could comfortably afford to pay if you needed to file a claim tomorrow.
We’re Your Neighbors: Our office is located right here in Mokena at 19144 88th Avenue—we’re part of this community. When you call us, you’re talking to people who live and work in Mokena, understand local home values, and know the specific insurance challenges Mokena homeowners face.
Understanding Will County Risks: Mokena homeowners face unique challenges that require specialized insurance protection:
Access to Multiple Carriers: As an independent agency, we’re not limited to one insurance company. We partner with over 14 top-rated carriers, allowing us to:
Personalized Service: We take time to understand your home, your assets, and your insurance needs. Whether you’re a first-time homebuyer or refinancing and need an insurance review, we provide expert guidance tailored to your situation.
We help Mokena homeowners maximize available discounts to reduce premium costs while maintaining comprehensive protection:
Common Discounts:
Our Expertise: We know which carriers offer the best discounts for Mokena homeowners and ensure you’re taking advantage of every available savings opportunity.
Perfect 5.0 out of 5 stars
Based on 1,414+ Google reviews
“Mokena’s highest-rated insurance agency”
For over 25 years, Mokena families have trusted Hicks Insurance Group to protect their homes. Our perfect 5-star rating and over 1,414 reviews reflect our commitment to delivering expert advice, flexible options, and real relationships you can count on.
Local Homeowners Choose Us Because:
Filing a homeowners insurance claim can be stressful. At Hicks Insurance Group, we guide you through the entire claims process:
Our Claims Support:
Common Claims Scenarios:
Call us immediately at (708) 532-7474 if you experience damage to your home.
Standard homeowners insurance provides six main types of coverage: dwelling protection for your home’s structure, personal property coverage for your belongings, liability protection if someone is injured on your property, additional living expenses if you need temporary housing, other structures coverage for detached buildings, and medical payments for guest injuries. Each component works together to provide comprehensive protection.
If damage occurs, contact Hicks Insurance Group immediately at (708) 532-7474. We’ll guide you through the claims process, help you document damage with photos and written descriptions, contact your insurance carrier on your behalf, and work with you to ensure a fair settlement. Don’t delay reporting claims—prompt notification helps expedite the process.
Yes! Bundling your homeowners and auto insurance with the same carrier typically saves you 15-25% on both policies. We specialize in multi-policy packages and can show you exactly how much you’ll save by bundling. Most Mokena families find bundling provides significant savings plus the convenience of managing both policies with one agency.
While not all Mokena homes are in designated flood zones, flood insurance is worth considering given heavy rainfall and nearby waterways. Standard homeowners insurance does NOT cover flood damage, so a separate flood policy is required. We can help you assess your flood risk and obtain coverage through the National Flood Insurance Program or private carriers if needed.
Replacement cost coverage pays to replace damaged items at today’s prices without deduction for depreciation. Actual cash value coverage deducts depreciation, meaning you receive less money. For example, a 10-year-old roof damaged in a storm would be replaced at full cost with replacement cost coverage, but with actual cash value coverage, you’d receive payment minus 10 years of depreciation. We strongly recommend replacement cost coverage for both dwelling and personal property.
Have more questions? Call us at (708) 532-7474 or request a quote online. We’re happy to answer all your homeowners insurance questions.
Protect your Mokena 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 Choose Hicks Insurance Group for Your Mokena Home?
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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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