Welcome to Hicks Insurance Group, your trusted insurance partner proudly serving Manhattan, Illinois and the surrounding rural communities since 1998. As a family-owned independent insurance agency, we understand the unique insurance needs of rural homeowners, farmers, and agricultural businesses. Located in nearby Mokena at 19144 88th Avenue, we’ve been protecting Manhattan families and properties for over 25 years with comprehensive coverage from over 14 top-rated national carriers.
Manhattan is a small, tight-knit community in Will County with deep agricultural roots dating back to 1855. Originally founded as a railroad stop serving the surrounding farming communities, Manhattan has maintained its rural character and small-town atmosphere while gradually growing to approximately 8,500 residents. Located about 50 miles southwest of Chicago, Manhattan offers residents a peaceful countryside lifestyle with strong community bonds, agricultural heritage, and affordable rural living.
At Hicks Insurance Group, we specialize in rural property insurance, understanding the specific challenges facing Manhattan homeowners—from properties on well and septic systems to tornado exposure in Illinois tornado alley to agricultural equipment coverage. Whether you’re protecting your farmhouse, rural acreage, agricultural equipment, or small-town business, our experienced agents provide personalized service tailored to rural insurance needs. We’re not just insurance agents—we’re your partners in protecting your rural lifestyle and property investments.
Rural properties face unique insurance challenges that standard suburban homeowners policies don’t adequately address. As an independent agency specializing in rural coverage, we work with carriers experienced in rural risks to provide comprehensive protection at competitive rates.
Manhattan’s rural properties often include features uncommon in suburban areas—larger acreage, outbuildings, wells and septic systems, livestock, agricultural equipment, and greater distances from fire protection. Standard homeowners insurance may not adequately cover these rural characteristics, making specialized rural property insurance essential.
Our rural homeowners insurance policies address Manhattan-specific needs:
Manhattan’s location in Illinois tornado alley requires specific severe weather considerations. According to the National Oceanic and Atmospheric Administration (NOAA), Will County experiences an average of 2-3 tornadoes per year, making adequate wind and hail coverage with reasonable deductibles essential for rural homeowners. We ensure your coverage includes sufficient limits for rebuilding and replacing property after severe weather events.
Distance from fire protection is a critical factor in rural insurance. Properties more than 5 miles from a fire station or without nearby fire hydrants may face higher premiums and coverage restrictions. We work with carriers specializing in rural properties to secure comprehensive coverage regardless of your distance from fire protection services.
Protect your rural property: Rural Homeowners Insurance
Manhattan’s agricultural heritage remains strong, with active farming operations throughout Manhattan Township. Whether you operate a full-time commercial farm, part-time agricultural enterprise, or maintain property for personal use with livestock and equipment, we provide specialized farm insurance addressing your specific operations and exposures.
Our comprehensive farm insurance solutions include:
According to the U.S. Department of Agriculture (USDA), the average farm insurance claim exceeds $30,000, making adequate coverage crucial for protecting your agricultural investment and operation. Our farm insurance specialists understand agricultural risks and work with specialized farm insurance carriers to design coverage matching your specific farming operation, acreage, equipment, livestock, and exposures.
We also provide coverage for hobby farms and part-time agricultural operations. If you’re transitioning from traditional homeowners insurance to farm coverage as you add livestock, expand acreage, or purchase farm equipment, we’ll ensure smooth transition and appropriate protection at every stage.
Protect your farm: Contact us at (708) 532-7474 for specialized farm insurance
Manhattan residents face unique driving conditions including rural roads, farm equipment on roadways, wildlife hazards, and limited emergency services in some areas. Our auto insurance policies address these rural driving characteristics while ensuring compliance with Illinois insurance requirements.
Comprehensive auto insurance for Manhattan drivers includes:
Manhattan’s rural location increases the risk of deer collisions and other animal strikes. According to Insurance Information Institute data, Illinois ranks among the top 20 states for deer-vehicle collisions, with rural Will County experiencing particularly high rates. Comprehensive coverage is essential for protecting against costly wildlife collision damage.
We also offer coverage for farm vehicles, ATVs, utility vehicles, and other specialized equipment used on rural properties. If you use pickup trucks or vehicles for farm purposes beyond personal transportation, we’ll ensure you have appropriate commercial auto or farm vehicle coverage.
Get your free quote: Auto Insurance for Rural Drivers
Rural property owners face unique liability exposures from larger acreage, livestock, farm equipment, ATVs, and the potential for injuries to visitors on working farms or rural properties. Umbrella insurance provides an additional $1 million to $5 million in liability protection beyond your homeowners and auto policy limits.
Manhattan property owners should consider umbrella insurance if they:
Given the litigious nature of modern society and the unique liability risks of rural property ownership, umbrella insurance provides essential protection at affordable rates—typically $150-$300 per year for $1 million in coverage. Our agents will assess your specific liability exposures and recommend appropriate umbrella coverage based on your property, activities, and assets.
Learn more: Umbrella Insurance Protection
Manhattan’s downtown along Main Street and Route 52 is home to local businesses serving the community and surrounding rural areas. Whether you operate a retail shop, service business, restaurant, or ag-related business, we provide comprehensive commercial insurance addressing your specific industry risks and exposures.
Our business insurance solutions include:
We also specialize in insurance for agribusinesses serving Manhattan’s farming community—equipment dealers, seed suppliers, custom farming operations, grain elevators, and agricultural service providers all have unique insurance needs requiring specialized coverage and industry expertise.
Protect your business: Commercial Insurance Solutions
For over 25 years, Manhattan families, farmers, and businesses have relied on Hicks Insurance Group for expert rural insurance advice and personalized service. Here’s what sets us apart:
Unlike agents who primarily serve suburban areas, we specialize in rural property insurance and agricultural coverage. We understand the unique challenges Manhattan property owners face—properties on well and septic systems, limited fire protection, larger acreage, outbuildings, farm equipment, livestock, and severe weather exposure. Our experience with rural insurance ensures you receive appropriate coverage with carriers that understand and properly insure rural properties.
Many standard homeowners carriers restrict coverage or charge excessive premiums for rural properties, but our relationships with specialized rural and farm insurance carriers allow us to secure comprehensive coverage at competitive rates regardless of your property’s location, size, or distance from fire protection.
Our office is located at 19144 88th Avenue, Mokena, IL 60448—easily accessible from Manhattan (approximately 15-20 minutes). We understand Will County’s rural communities, agricultural heritage, weather risks, and local property characteristics. When you call Hicks Insurance Group, you speak with experienced local agents who understand rural insurance needs—not distant call center representatives unfamiliar with rural property challenges.
We’re here when you need us, providing responsive service during business hours and claims support when weather events, accidents, or emergencies occur. Our local presence means you have a trusted partner nearby who understands your community and insurance needs.
As an independent agency representing over 14 top-rated carriers, we’re never limited to a single company’s products or pricing. This is particularly important for rural insurance, where carriers vary significantly in their willingness to insure rural properties, coverage terms, and pricing. We shop multiple carriers specializing in rural and agricultural insurance to find your best coverage at the most competitive rate.
This independent model means we work for you—not insurance companies. If your carrier raises rates, restricts coverage, or provides poor service, we can move your policy to a different carrier without you having to start over with a new agent. We leverage carrier competition to ensure you always receive the best value and protection available.
Our team includes agents with extensive experience in rural property insurance, farm insurance, and agricultural coverage. We understand the difference between hobby farms and commercial operations, know which carriers offer the best farm equipment coverage, and can advise on proper liability limits for properties with livestock or public access. This specialized expertise ensures you receive informed recommendations tailored to your specific rural property and agricultural operations.
With over 1,414 reviews and a 4.99 rating, our clients consistently praise our responsive communication, knowledgeable advice, competitive pricing, and dedicated claims support. We’re committed to long-term relationships, not just policy sales. Our proactive service includes regular coverage reviews, recommendations for changing needs, and advocacy during the claims process.
“Finding insurance for our 40-acre farm property was challenging until we contacted Hicks Insurance Group. Most agents couldn’t handle rural property with outbuildings, livestock, and farm equipment, but Hicks found us comprehensive coverage at a fair price. They understand rural insurance and made the process easy. When we had storm damage to our barn, they handled the claim professionally and ensured we were back in operation quickly.”
“We moved to Manhattan from Chicago for a quieter lifestyle on rural property. Hicks Insurance Group took time to explain the differences between standard homeowners insurance and rural property coverage, ensuring we understood why coverage for our well, septic system, and detached buildings was important. Their expertise and patient explanations gave us confidence we were properly protected.”
“As a part-time farmer with equipment and a few head of cattle, I needed insurance that covered both my residential property and agricultural activities. Hicks Insurance Group designed a policy that protected everything without overpaying for coverage I didn’t need. They understand the unique needs of small-scale farming operations and provided exactly what I needed.”
While we’re proud to serve Manhattan residents and agricultural operations, our rural insurance expertise extends throughout Will County and surrounding areas, including:
Wherever you own rural property or operate agricultural activities in the southwest suburbs and surrounding rural areas, you can count on Hicks Insurance Group for expert rural insurance advice, specialized coverage, and exceptional service.
Manhattan is a small village in Will County, located approximately 50 miles southwest of Chicago and 15 miles west of Joliet. population of 10,714 8,500 residents, Manhattan maintains its rural character, agricultural heritage, and tight-knit community atmosphere while offering modern amenities and excellent quality of life.
Founded in 1855 as a stop on the Joliet and Northern Indiana Railroad, Manhattan was established to serve the surrounding agricultural community and facilitate transportation of farm products. The village was officially incorporated in 1869 and has maintained strong agricultural roots throughout its history.
Today, Manhattan successfully balances its agricultural heritage with gradual residential growth. The village maintains a small-town atmosphere with locally-owned businesses along Main Street, community events that bring neighbors together, and strong civic pride. Manhattan Township surrounding the village includes active farming operations, producing corn, soybeans, and other agricultural products that contribute to Illinois’ position as a leading agricultural state.
Manhattan offers residents access to recreational opportunities and community facilities including:
The village’s location provides easy access to larger communities for shopping, dining, and entertainment while maintaining peaceful rural living and affordable property costs.
Manhattan students are served by Manhattan School District 114, which operates elementary and middle schools within the village. High school students attend Lincoln-Way Community High School District 210, attending Lincoln-Way West High School or other Lincoln-Way campuses. Manhattan schools emphasize quality education, small class sizes, and strong community-school partnerships.
Manhattan’s economy blends agricultural production, small businesses, and commuters working in larger employment centers. The median household income is approximately $85,000, and median home values range from $200,000-$250,000—significantly more affordable than nearby suburban communities while offering larger properties and rural living.
According to the U.S. Census Bureau, Manhattan has experienced steady but controlled growth, maintaining its small-town character while providing modern services and amenities. Property values remain affordable, making Manhattan attractive for families seeking rural living, larger properties, and agricultural lifestyles.
Manhattan’s location in Illinois tornado alley requires residents to be prepared for severe weather. Will County experiences an average of 2-3 tornadoes per year according to National Weather Service data, and severe thunderstorms with damaging winds and large hail are common during spring and summer months.
Rural properties face unique weather challenges including limited storm shelter options, longer emergency response times, and potential damage to outbuildings and agricultural structures. Adequate homeowners and farm insurance coverage with appropriate wind, hail, and tornado protection is essential for Manhattan property owners. Our insurance specialists ensure your coverage reflects these local weather risks and provides proper protection for your rural property.
Ready to protect your Manhattan property, farm, or business with comprehensive insurance tailored to rural needs? Contact Hicks Insurance Group today for expert advice from agents who understand rural insurance challenges. We’ll compare options from over 14 carriers specializing in rural and agricultural coverage to find you the best protection at competitive rates.
Contact Hicks Insurance Group:
Don’t trust your rural property, farm, or agricultural investment to agents who don’t understand rural insurance challenges. Work with specialists who know rural and farm insurance inside and out.
Call us today at (708) 532-7474 for your free, no-obligation insurance quote. We look forward to protecting your Manhattan property and becoming your trusted rural insurance partner.
Hicks Insurance Group—delivering expert rural insurance advice, specialized farm coverage, and real relationships you can count on since 1998. We understand rural Illinois.
Give us a call today and we can help.
Hicks Insurance Group is a proud member of the Manhattan Chamber of Commerce, supporting this close-knit village of approximately 8,000 residents. Located in Will County along historic Route 66 and near I-55, Manhattan maintains its small-town character while offering modern business opportunities. The village’s downtown area and commercial corridors provide spaces for retail, dining, and service businesses that serve both residents and travelers.
The Manhattan Chamber of Commerce supports local businesses through networking, advocacy, and community events that strengthen the local economy. Manhattan’s location provides easy access to Joliet, New Lenox, and the broader southwest suburban market, while maintaining lower operating costs than larger communities. The village is known for its excellent school system and family-friendly atmosphere that attracts residents who prefer supporting local businesses.
Manhattan hosts popular community events including the annual Harvest Fest and Island Park celebrations that draw visitors and create business opportunities. The village government maintains a pro-business stance with reasonable regulations and support for commercial development. Businesses benefit from Manhattan’s growing population, strong community loyalty, and the village’s efforts to preserve its unique character while accommodating growth.
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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