Welcome to Hicks Insurance Group, your trusted insurance partner proudly serving Frankfort, Illinois and the surrounding communities since 1998. As a family-owned independent insurance agency, we deliver expert advice, flexible options, and real relationships you can count on. Located just minutes away in neighboring Mokena, we’ve been protecting Frankfort families and businesses for over 25 years with comprehensive coverage from over 14 top-rated national carriers.
Frankfort is a beautiful historic village in Will County with deep roots dating back to 1855. Known for its charming downtown district, tree-lined streets, excellent schools, and strong sense of community, Frankfort has grown from a small railroad town into one of the most desirable family-oriented communities in the Chicago suburbs. With approximately 19,000 residents, Frankfort successfully balances small-town character with modern amenities, making it an ideal place to call home.
At Hicks Insurance Group, we understand the unique insurance needs of Frankfort homeowners, families, and businesses. Whether you’re protecting your historic home in Old Frankfort, securing coverage for your growing family in one of the newer subdivisions, or insuring your Main Street business, our experienced team provides personalized service tailored to your specific situation. We’re not just insurance agents—we’re your neighbors, dedicated to protecting what matters most to your family and your future.
As an independent insurance agency, we work for you—not the insurance companies. This means we shop multiple carriers to find the best coverage at the most competitive price for your unique needs. Here’s how we serve the Frankfort community:
Frankfort’s housing market features a unique mix of historic homes dating back to the late 1800s in Old Frankfort, established neighborhoods with mature landscaping, and newer subdivisions with modern construction. Whether you own a Victorian-era home with original details, a mid-century ranch, or a contemporary new-build, we’ll customize homeowners insurance that protects your property’s specific characteristics and value.
Our comprehensive homeowners insurance policies typically include:
For Frankfort’s historic homes, we offer specialized coverage options including guaranteed replacement cost (ensuring full rebuilding even if costs exceed policy limits), building ordinance coverage (covering costs to bring older homes up to current building codes after a loss), and increased limits for unique architectural features. According to the Insurance Information Institute, the average homeowners claim in Illinois exceeds $13,000, making adequate coverage essential for financial protection.
Special considerations for Frankfort homeowners include water backup coverage (important given our area’s clay soil and aging sewer systems), sump pump failure coverage, and increased replacement cost coverage (125-150% of dwelling limit) to account for the higher costs of rebuilding historic properties or replacing custom materials.
Protect your Frankfort home: Homeowners Insurance Solutions
Many Frankfort residents commute to Chicago and surrounding employment centers, facing diverse driving conditions from local village streets to busy expressways. Illinois law requires minimum liability insurance, but these state minimums ($25,000 per person, $50,000 per accident for bodily injury) are rarely sufficient to protect you financially in a serious accident.
Our comprehensive auto insurance policies include:
According to the National Association of Insurance Commissioners, the average Illinois driver pays approximately $1,166 annually for auto insurance, though rates vary significantly based on driving record, vehicle type, credit score, and coverage selections. We work with multiple carriers to ensure you receive competitive pricing while maintaining comprehensive protection.
Frankfort families can maximize savings through multi-policy discounts (bundling home and auto), safe driver discounts, multi-car discounts, good student discounts for teens, defensive driving course discounts, and anti-theft device discounts. Our agents will identify every available discount while ensuring you have appropriate coverage for your commuting needs.
Get your free quote: Auto Insurance Coverage
Frankfort’s charming downtown district along White Street and La Grange Road is home to family-owned shops, restaurants, professional services, and diverse businesses that give the village its unique character. Whether you operate a retail storefront, restaurant, professional practice, or home-based business, we provide customized commercial insurance solutions that address your industry-specific risks.
Our business insurance solutions include:
According to the U.S. Small Business Administration, proper insurance is one of the most critical investments for protecting your business from financial devastation. The right coverage can mean the difference between surviving an unexpected setback and permanently closing your doors.
Our commercial insurance specialists understand the unique challenges facing Frankfort businesses, from retail shops needing product liability coverage to restaurants requiring liquor liability to contractors needing tools and equipment coverage. We’ll conduct a comprehensive risk assessment and design insurance solutions tailored to your specific operations and budget.
Protect your business: Commercial Insurance Solutions
As Frankfort property values continue to rise and families accumulate assets, the risk of inadequate liability protection increases. Umbrella insurance provides an additional layer of liability coverage beyond the limits of your homeowners and auto policies—typically $1 million to $5 million in additional protection.
Umbrella insurance is especially important for Frankfort residents who:
The average cost of umbrella insurance is remarkably affordable—typically $150-$300 per year for $1 million in coverage, according to industry data. Given today’s litigious environment and the potential for catastrophic liability claims, umbrella insurance provides essential peace of mind at minimal cost. Our agents will assess your specific asset protection needs and recommend appropriate coverage levels based on your financial situation.
Learn more: Umbrella Insurance Protection
Life insurance is a critical component of family financial planning, providing protection for your loved ones’ future if something happens to you. Frankfort families often face significant financial obligations including mortgages, college savings goals, and retirement planning that require adequate life insurance protection.
We offer comprehensive life insurance solutions including:
Our life insurance specialists will help you calculate appropriate coverage amounts based on your family’s needs, financial obligations, and long-term goals. We represent multiple highly-rated carriers, ensuring you receive competitive pricing and strong financial stability backing your policy.
Protect your family: Life Insurance Solutions
For over 25 years, Frankfort families and businesses have relied on Hicks Insurance Group for expert insurance advice and personalized service. Here’s what sets us apart:
Our office is located just minutes from Frankfort in nearby Mokena at 19144 88th Avenue, Mokena, IL 60448. We’re familiar with your community’s characteristics—from the historic homes in Old Frankfort to the newer subdivisions near Hickory Creek Preserve, from the bustling downtown businesses to the family farms on the village’s outskirts. We understand local insurance considerations including property values, weather risks, school districts, and community amenities that affect your coverage needs.
When you call Hicks Insurance Group, you speak with experienced local agents who know Frankfort—not anonymous call center representatives reading from scripts. Our deep community knowledge allows us to provide informed, personalized recommendations based on real understanding of your neighborhood and lifestyle.
Unlike captive agents who work for a single insurance company (State Farm, Allstate, Farmers), we’re an independent agency representing over 14 top-rated national carriers. This fundamental difference means:
This independent model ensures you always receive the best value and most comprehensive protection available in the marketplace. We work for you—not the insurance companies.
Our commitment to personalized service and genuine client relationships is reflected in our outstanding reputation. With over 1,414 reviews and a 4.99 rating, Frankfort-area clients consistently praise our responsive communication, comprehensive coverage advice, competitive pricing, and dedicated claims support.
Insurance can be complex and confusing, but it doesn’t have to be. Our experienced agents take time to understand your unique situation, explain your options in clear language, answer all your questions, and ensure you make informed decisions about your protection. We’re here for you not just when you purchase a policy, but throughout the life of your coverage—especially when you need us most during the claims process.
Your insurance needs evolve as your life changes. That’s why we conduct regular coverage reviews to ensure your policies keep pace with home improvements, vehicle changes, growing families, business expansions, and asset accumulation. We proactively identify coverage gaps, recommend adjustments, and optimize your protection to match your current situation.
This ongoing service commitment distinguishes us from online insurance providers and captive agents who often only contact clients at renewal time. We build long-term relationships focused on your complete financial protection—not just policy sales.
“After moving to Frankfort from out of state, we needed to find new insurance for our 100-year-old home. Most agents told us it would be difficult and expensive, but Hicks Insurance Group found us excellent coverage at a reasonable price. They took time to understand our historic home’s unique features and secured a policy with proper coverage for its replacement value. Their knowledge and dedication made all the difference.”
“We’ve worked with Hicks Insurance Group for over 15 years, through multiple home purchases, adding teenage drivers, and starting a small business. They’ve always provided honest advice, found us the best rates, and been there when we needed them most—including helping us navigate a significant storm damage claim last year. I recommend them to everyone in Frankfort looking for trustworthy insurance professionals.”
“As a young family new to Frankfort, we were overwhelmed by insurance options and costs. Hicks Insurance Group made everything easy to understand, bundled our home and auto policies to save us over $1,000 per year, and ensured we had proper coverage for our growing family. Their patience, expertise, and genuine care for our needs exceeded all expectations. They’re the best!”
While we’re proud to serve Frankfort residents and businesses, our comprehensive insurance services extend throughout Will County and the southwest suburbs, including:
Wherever you live or work in the southwest suburbs, you can count on Hicks Insurance Group for expert advice, competitive rates, and exceptional service.
Frankfort is a historic village in Will County, located approximately 35 miles southwest of downtown Chicago. Founded in 1855 as a stop along the Joliet and Northern Indiana Railroad, Frankfort has grown from a small agricultural community into a thriving family-oriented suburb while maintaining its charming small-town character and historic appeal.
Frankfort’s downtown district, centered around White Street and Kansas Street, features beautifully preserved historic buildings, locally-owned shops, restaurants, and businesses that give the village its distinctive character. The Old Frankfort Historic District includes numerous homes and structures listed on the National Register of Historic Places, preserving the community’s architectural heritage.
The village was officially incorporated in 1879 and has grown steadily while maintaining strong community values and small-town atmosphere. Today, Frankfort has approximately 19,000 residents and continues to attract families seeking excellent schools, safe neighborhoods, and a genuine sense of community.
Frankfort residents enjoy abundant recreational opportunities and community amenities including:
The village hosts popular community events throughout the year including the Fall Festival, Concerts in the Park series, Farmers Market, and holiday celebrations that bring neighbors together and foster community spirit.
Frankfort families benefit from excellent public schools consistently ranked among the best in Illinois:
The village’s commitment to quality education, combined with strong parent involvement and community support, makes Frankfort schools a major attraction for families relocating to the area.
Frankfort’s median household income of approximately $120,000 exceeds both state and national averages, reflecting the community’s economic prosperity. The median home value in Frankfort is approximately $350,000-$375,000, with historic homes in Old Frankfort and luxury properties in newer subdivisions commanding higher values.
According to the U.S. Census Bureau, Frankfort has experienced steady population growth and rising property values, making adequate homeowners insurance coverage essential for protecting these valuable assets. Our insurance specialists understand Frankfort’s real estate market and ensure your coverage reflects your property’s true replacement cost.
Frankfort consistently ranks as one of the safest communities in Illinois, with crime rates significantly below state and national averages. The Frankfort Police Department and Frankfort Fire Protection District provide excellent public safety services, contributing to the village’s reputation as an ideal place to raise a family.
The combination of small-town charm, historic character, excellent schools, abundant recreation, strong community values, and safe neighborhoods makes Frankfort one of the most desirable places to live in the Chicago suburbs.
Ready to protect what matters most to you and your family? Contact Hicks Insurance Group today for personalized insurance recommendations tailored to your unique needs and budget. Whether you need homeowners, auto, business, life, or umbrella insurance, we’ll compare options from over 14 top-rated carriers to find you the best coverage at the most competitive price.
Contact Hicks Insurance Group:
Experience the Hicks Insurance difference—over 25 years of trusted service, 1,414+ reviews, and a 4.99 rating. We’re your local neighbors, committed to protecting your family’s future and your most valuable assets.
Call us today at (708) 532-7474 for your free, no-obligation insurance quote. We look forward to serving you and becoming your trusted insurance partner for life.
Hicks Insurance Group—delivering expert advice, flexible options, and real relationships you can count on since 1998. We’re local, we’re independent, and we work for you.
Give us a call today and we can help.
Hicks Insurance Group is a proud member of the Frankfort Area Chamber of Commerce, supporting this growing village of approximately 19,000 residents. Located in Will County with excellent access to I-57 and LaGrange Road, Frankfort has evolved from a small farming community into a thriving suburban destination. The village’s downtown area along Kansas Street and White Street features charming shops, restaurants, and service businesses that draw customers from throughout the region.
The Frankfort Area Chamber of Commerce promotes local business through networking events, community festivals, and marketing initiatives. Frankfort’s business community benefits from the village’s commitment to maintaining its historic character while encouraging responsible growth. The annual Fall Festival and other Chamber-sponsored events create opportunities for businesses to connect with thousands of potential customers.
Frankfort offers an exceptional quality of life with top-rated schools in District 157-C and 168, extensive park facilities, and a strong sense of community that supports local businesses. The village’s residential growth has created demand for retail, dining, and professional services. Businesses appreciate Frankfort’s manageable size, engaged residents, and the village government’s collaborative approach to economic development.
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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