In 1961 the village of Westhaven was incorporated in southwest Cook County. Today it carries a different name, Orland Hills, but it has kept its character: a compact community of about 6,893 residents set between the much larger villages of Orland Park and Tinley Park. Population density runs above 6,000 residents per square mile, unusually high for a village this small, and about 17% of residents are Arab American, one of the highest shares of any Illinois municipality.
That scale matters for insurance. Orland Hills is its own municipality, with its own village government and community fabric, and the coverage that suits a large-lot Orland Park household doesn’t always suit an Orland Hills home on a tighter lot. We quote each Orland Hills property on its own details rather than assuming it prices like its neighbors.
Hicks Insurance Group is an independent agency working with 14+ top-rated carriers from our Mokena home office, a few miles south of Orland Hills. We have written southwest Cook County policies since 1998, and Orland Hills households are a steady part of our work.
Independent insurance for Orland Hills
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Most Orland Hills homes were built between the 1960s and the 1990s on compact suburban lots. A standard HO-3 policy fits them well, but four local factors deserve attention before you buy or renew.
With more than 6,000 residents per square mile, Orland Hills homes share more fences, trees and property lines than homes in spread-out suburbs. A neighbor’s tree falling on your garage, or a guest injured on your property, is handled by the property and personal liability parts of your policy. Personal liability often starts around $300,000; for many Orland Hills households we suggest $500,000, with an umbrella for those with more than $250,000 in assets.
The 1967 Oak Lawn F4 tornado, just to the north, is still the regional reference event for southwest Cook County. Many carriers default to a wind/hail deductible of 2% of the dwelling limit, and we routinely look for flat deductibles of $2,500–$5,000 instead.
Lake Ashbourne and Lake Lorin are subdivision lakes rather than major waterways, but homes that back up to the water should still consider flood coverage. Standard HO-3 policies exclude flood, so a separate flood insurance policy is the only way to cover rising water.
Rebuilding costs rose sharply after 2020 as lumber and labor prices climbed. If your dwelling limit hasn’t been recalculated since then, it may fall short of a full rebuild. We review replacement cost on every new Orland Hills policy.
Related:Homeowners insurance Homeowners FAQ Common gaps in homeowners policies How can I lower my home insurance premium?
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Illinois requires 25/50/20 liability, which is too low for any Orland Hills driver. Cook County traffic is dense, and multi-vehicle collisions can run up medical and repair costs quickly.
159th Street and the surrounding arterials carry heavy traffic toward Orland Park’s shopping district and toward I-80 and the Tri-State Tollway. Comprehensive coverage with a $250–$500 deductible is standard for the hail, theft and parking-lot damage that come with that driving.
We suggest 100/300/100 as a starting point, with matching uninsured/underinsured motorist (UM/UIM) coverage. Two-vehicle households and business owners are better served by 250/500/250 with full UM/UIM, given how quickly hospital costs add up after a serious Cook County collision.
Combining auto and homeowners coverage, and adding an umbrella, can lower your total premium through multi-policy discounts. See our bundle policy options.
Related:Auto insurance Auto FAQ How do I compare auto coverage line by line? Am I covered in a rental or a borrowed car?
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Orland Hills businesses are mostly small: contractors and trades, salons, restaurants, and professional and home-based offices serving the surrounding villages. Each needs a program built around its payroll, vehicles and customers.
Most operations start with general liability, commercial property and business interruption, plus commercial auto for any company vehicles. Illinois requires workers’ compensation from the first employee, part-time included, and cyber insurance is increasingly important for any business that stores customer data.
Building activity across southwest Cook County keeps contractors busy. A typical program combines general liability, commercial auto and workers’ comp with contractors insurance and, when a job requires one, performance bonds.
Restaurants, bars and personal-care businesses add specialty coverage such as liquor liability, food spoilage and employment practices liability. Our restaurant and bar insurance page covers the details.
Related:Commercial insurance Business FAQ Can I bundle general liability with other coverages? What happens without workers’ compensation?
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The personal liability in a homeowners policy often tops out around $300,000. That is a starting point. For Orland Hills households with more than $250,000 in assets, a $1 million umbrella layered above home and auto limits is one of the most cost-effective protections available.
The claims that reach an umbrella are usually everyday ones: a dog bite, which is more likely where homes sit close together, or a teen driver in a multi-vehicle crash on I-294, Cicero Avenue or 159th Street. When a judgment exceeds your underlying limits, the umbrella pays the difference instead of your savings.
A personal umbrella doesn’t cover business activities. Owners with commercial general liability or commercial auto should add a separate commercial umbrella, often called excess liability, especially when customers or contracts require higher limits.
Related:Umbrella insurance Insurance claims FAQ How much liability coverage do I really need? Can you review my policies for gaps or overlaps?
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Many Orland Hills clients come to us after a frustrating call to a captive agency: a question routed to a call center, a note that their agent is no longer with the company, or a steep renewal increase with no explanation.
When an Orland Hills client calls Hicks, the same team picks up. Your agent knows which part of the village you live in, whether your home backs up to Lake Ashbourne, and what you asked about last year. We have written southwest Cook County policies since 1998, long enough to have seen most of the unusual claims you might one day need to file.
As an independent agency, we compare coverage from 14+ top-rated carriers at every renewal. A captive agent can only offer one company’s products, so a rate increase there leaves few options. Our 5.0 rating across 1,400+ Google reviews reflects that everyday service.
“I am very happy with the services provided by Lanie Hicks! She was most helpful in answering my and quick to respond. And I’m also happy with the insurance package that she got for me.”— Keith, Google review
Learn more:About Hicks Our team Carriers and partners Client testimonials
Answers to the questions Orland Hills homeowners, drivers and business owners ask us most.
Orland Hills is a small, densely settled village in southwest Cook County, bordered by Orland Park to the west and Tinley Park to the east.
Population: About 6,893 (2020)
Density: More than 6,000 residents per square mile
County: Cook
Founded: Incorporated as Westhaven in 1961, later renamed Orland Hills
Schools: Kirby School District 140 and Orland School District 135 for elementary grades; Victor J. Andrew or Carl Sandburg High School, depending on address
Parks and lakes: Kelly Park, Lake Ashbourne and Lake Lorin
Median household income: About $82,337
Chicago Southland Chamber of Commerce
The Chicago Southland Chamber of Commerce is a regional business organization that connects member businesses across the south and southwest suburbs, including the Orland Hills area.
Hicks writes policies across the southwest and western suburbs from our Mokena office. These nearby communities each have their own page.
Cook County:Orland Park Tinley Park Palos Park Palos Hills Oak Lawn Lemont Chicago
Will County:Mokena Frankfort New Lenox Homer Glen Lockport Manhattan Bolingbrook Plainfield Shorewood Channahon Minooka
DuPage County:Naperville Lisle Warrenville
Hicks is also licensed in Arizona and serves Phoenix-area clients from our Tempe office.
Send us your current declarations pages and we will compare coverage across our carriers, check your liability limits and wind/hail deductible, and walk you through the options before you decide.
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Prefer to talk? Call our Mokena office at (708) 532-7474 or visit 19144 88th Avenue, Mokena, IL 60448.
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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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