If you own a home, run a business or drive in Palos Hills, anywhere from the Roberts Road corridor to the Stagg High School area, near Moraine Valley Community College or out toward 111th Street, this page covers what insurance looks like locally and how Hicks Insurance Group can help you get solid coverage at a fair price.
Palos Hills and Palos Park are separate municipalities with different chambers, different scale (about 18,530 residents in Palos Hills versus about 4,899 in Palos Park) and different housing. Carriers define their own rating territories, and adjacent towns can price differently, so coverage that makes sense in one village doesn’t always carry over to the other. If you live in the smaller, forest-bordered village to the south, see our Palos Park insurance page. Hicks is an independent agency working with 14+ carriers from our Mokena home office, and we have been writing Illinois policies since 1998.
Independent insurance for Palos Hills
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Most Palos Hills homes were built during the 1960s–1990s wave that followed the city’s 1958 incorporation. That housing stock is generally favorable for a standard HO-3 policy, which means the biggest wins usually come from getting the details right: dwelling limits, deductibles and a few inexpensive endorsements.
Replacement-cost calculations on this stock are usually straightforward, but verify that your dwelling limit reflects current rebuilding costs. Lumber and labor prices shifted after 2020, and a limit set years ago may no longer cover a full rebuild.
Southwest Cook County sits in Illinois’ tornado-active zone, and the 1967 Oak Lawn F4 still shapes underwriting here. Many carriers default to a 2%-of-dwelling wind/hail deductible. On a $300K Palos Hills home, that is $6,000 out of pocket before coverage starts. Where carriers allow, we push for a flat $2,500–$5,000 deductible.
Older infrastructure plus heavy summer storms make sump-pump failure and sewer backup recurring claim categories in Palos Hills. Standard HO-3 excludes them. A water/sewer backup endorsement is one of the least expensive ways to close a common gap.
Forest Preserve perimeter
Homes bordering Cook County Forest Preserve land have tree-fall and wildlife claim exposure. We add the relevant endorsements for properties along the preserve perimeter.
If you own a condo or rent in Palos Hills, you need an HO-6 or renters policy rather than an HO-3; see condo insurance and renters insurance. For any household, jewelry, firearms and collectibles above standard sub-limits (typically $1,500 for jewelry and $2,500 for firearms) need to be scheduled separately.
Related:Homeowners insurance Homeowners FAQ Does my policy cover water damage from heavy rain or sewer backup? How can I lower my home insurance premium?
Get a Palos Hills Homeowners Quote →
The Illinois state minimum is 25/50/20: $25K bodily injury per person, $50K per accident and $20K property damage. That is a legal floor, not a recommendation, and it is too low for any Palos Hills driver.
We recommend a floor of 100/300/100 with matching uninsured/underinsured motorist (UM/UIM) coverage. UM/UIM protects you when the at-fault driver carries no insurance or too little. Auto premiums in Cook County reflect heavier traffic than in Will or DuPage County; we can’t change that, but we can make sure you are priced fairly within Cook by comparing carriers.
Roberts Road, 95th Street, 103rd Street and 111th Street carry steady commuter and student traffic to Moraine Valley Community College and Stagg High School. Comprehensive and collision at a $250–$500 deductible cover the routine fender-benders and parking-lot damage these corridors generate.
With a high school and a community college in town, young drivers are a big part of Palos Hills traffic. Adding a teen to the family policy is usually less expensive than a separate policy, and good-student and driver-education discounts can offset part of the increase.
Combining auto and home, and adding an umbrella, often lowers the combined premium and puts every renewal on one calendar. See bundle policy options and will bundling home and auto save me more?
Related:Auto insurance Auto FAQ What should I know about adding a teen driver? Can my teen get discounts for good grades or driver’s ed?
Get a Palos Hills Auto Quote →
Palos Hills businesses range from contractors and trades to restaurants, retail along the main corridors, and vendors serving Moraine Valley Community College. Most start from the same core program and add coverage based on the work they do.
Moraine Valley vendors and contractors
If you work with Moraine Valley Community College as a vendor, contractor or professional service provider, your contract may require higher general liability limits, additional-insured endorsements or specialty coverage depending on the scope of work.
Contractors are common in this corridor. A typical program combines general liability, commercial auto and workers’ compensation, and some jobs also require performance bonds. See contractors insurance and performance bonds.
Restaurants and bars add liquor liability, food spoilage and employment practices coverage to the standard stack. See restaurant and bar insurance.
Related:Commercial insurance Business FAQ Do contractors need specialized insurance? Does my business need workers’ compensation?
Get a Palos Hills Business Quote →
Personal liability inside an HO-3 policy typically caps at $300K. An umbrella policy layers above your home and auto liability and pays once those limits run out. It is typically inexpensive relative to the protection it adds.
Once your assets pass roughly $250K, counting home equity, retirement accounts and savings, an umbrella is usually the highest-leverage coverage you can add. The two scenarios that most often reach an umbrella here are an injury on your property, such as a dog bite, and a young driver in a multi-vehicle collision on a busy Cook County road.
A commercial umbrella is a separate policy that sits above your business general liability, commercial auto and employer’s liability. It is worth considering for growing businesses and for contractors or vendors whose clients, including institutional clients such as Moraine Valley, require higher limits.
Related:Umbrella insurance Insurance claims FAQ What are common insurance gaps to avoid? Does my business have the right liability limits?
Get a Palos Hills Umbrella Quote →
An independent agency can compare carriers for you at every renewal. Here is how that differs from the other ways to buy insurance.
| What you get | Hicks (independent) | Captive agency | Online direct |
|---|---|---|---|
| Carriers that can quote you | 14+ | 1 | 1 |
| Local southwest suburban presence | Mokena home office | Sometimes | No |
| Re-shop your policy at renewal | Yes | Within one company | Within one company |
| A consistent contact | Yes | Varies | Different rep each call |
| Google reviews | 5.0 / 1,400+ | Varies | Varies |
| Writing Illinois policies | Since 1998 | Varies | Varies |
| Contractor and vendor coverage | Yes | Limited | Rarely |
“Worked with Lanie Hicks who was very responsive throughout the process and helped us find the lowest quote possible! Easy to communicate and made the process very easy.”— Federica M., Google review
Learn more:About Hicks Our team Carriers and partners Testimonials
Quick answers to the questions Palos Hills clients ask most.
Palos Hills is a Cook County city in the southwest suburbs, larger and more middle-class than neighboring Palos Park.
Population: 18,530 (2020).
County: Cook County.
Incorporated: 1958.
Name: after Palos de la Frontera, Spain, the port from which Christopher Columbus sailed in 1492.
Institutions: Moraine Valley Community College and Amos Alonzo Stagg High School (Consolidated High School District 230).
Elementary districts: North Palos School District 117 and Palos School District 118.
Major roads: Roberts Road, 95th Street, 103rd Street and 111th Street.
Median household income: about $64,364.
Neighbors: Palos Park to the south and Hickory Hills to the north, with Cook County Forest Preserve land nearby.
The Hills Chamber of Commerce
The Hills Chamber of Commerce, at 8632 W 103rd St, Suite A, Palos Hills, IL 60465, serves businesses in Palos Hills and Hickory Hills. Palos Park is served by a separate organization, the Palos Area Chamber of Commerce.
We serve Palos Hills and the surrounding southwest suburbs from our Mokena home office, including Hickory Hills, Orland Hills and the communities below.
Nearby:Palos Park Oak Lawn Orland Park Tinley Park Homer Glen Lemont Mokena Chicago
Farther out:Frankfort New Lenox Lockport Bolingbrook Naperville Lisle Warrenville Plainfield Shorewood Manhattan Channahon Minooka
Hicks is also licensed in Arizona and serves the Phoenix area from our Tempe, AZ office.
Send us your current declarations pages and we will compare carriers for your home, autos and business. Call our Mokena office at (708) 532-7474, email plservice@hicksinsurance.com, or contact us online.
Independent insurance for Palos Hills homes, cars and businesses.
Give us a call today and we can help.
What makes our independent insurance agency so wonderful is not our extensive experience or our network of top carriers. It is you. It is the relationship we get to build with you and the trust you place in us.
We want to ensure we deserve your loyalty and trust, which is why we build our agency on the three principles listed below.
We work diligently to find the very best coverage and risk management options for you and your specific needs.
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We want to be your insurance partner for as long as you need coverage. We will stand by your side at all times, and are available when you need us.
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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