If you’re reading this, your last insurance experience probably ended with hold music, a renewal letter that didn’t quite explain a steep increase, or a “your agent is no longer with us” email. Shorewood households deserve better than that.
Hicks Insurance Group is an independent insurance agency working with 14+ top-rated carriers from our Mokena home office, about 20 miles east of Shorewood in Will County. We’ve been writing Will County policies since 1998: auto, home, business and life. The pitch isn’t fancy. We pick up the phone, we can shop your policy across 14+ carriers when rates rise, and we’ve been doing this long enough to have handled most of the unusual claims you might one day file. Clients rate us 5.0 stars across 1,400+ Google reviews because we treat coverage questions and certificate requests the same way we treat major claims: promptly, clearly and with a real person on the other end.
Independent insurance for Shorewood
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Shorewood is a newer suburb than Mokena, Lockport or Plainfield, and most homes here were built between the 1960s and the 2010s. That is generally favorable for homeowners insurance underwriting, but the DuPage River, Will County’s severe weather and current rebuild costs all deserve a close look.
Replacement-cost calculations on post-1957 construction are usually straightforward. The catch is that lumber and labor costs have climbed since 2020, so a dwelling limit set years ago may no longer cover a full rebuild. We check that your limit reflects current rebuilding costs on every new Shorewood policy review.
The DuPage River winds through Shorewood, and properties within roughly half a mile of it have material flood exposure. A standard HO-3 explicitly excludes flood, and heavy summer rainfall in recent years has reached Shorewood’s flatter terrain the same way it has the rest of the region. An NFIP flood insurance policy is the cleanest path. It is often affordable in lower-risk zones and is typically required by lenders in high-risk zones. The policy attaches to the property, not the household.
Will County sits in Illinois’ tornado corridor, and the 1990 Plainfield F5 tornado just to the north is still the regional reference point when Shorewood households talk about wind coverage. Read your deductible carefully: some carriers use a 2% dwelling deductible, which on a $300,000 home is $6,000 out of pocket before coverage starts. We push for a $2,500–$5,000 flat deductible where carriers allow it.
Standard HO-3 sub-limits cap jewelry around $1,500 and firearms around $2,500, so anything above those amounts should be scheduled at appraised value. Personal liability inside an HO-3 typically caps at $300,000, which is a starting point for a Shorewood household with assets rather than a finish line.
Related:Homeowners Insurance Homeowners FAQ What does flood insurance cover? When is the best time to buy flood insurance?
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The Illinois minimum is 25/50/20: $25,000 bodily injury per person, $50,000 per accident and $20,000 property damage. We don’t recommend it for any Shorewood driver. Joliet-area traffic and the cost of newer vehicles push a serious accident well past the state floor.
Our recommended floor is 100/300/100. Two-vehicle households, business owners and households with significant assets should carry 250/500/250 with matching uninsured/underinsured motorist (UM/UIM) coverage. UM/UIM is the layer that protects you when the at-fault driver has little or no insurance.
Many Shorewood households commute by short drives into Joliet’s commercial center and then onward via I-80 or I-55, while Pace bus service connects Shorewood with Joliet. Busy interchanges and mixed traffic make comprehensive and collision coverage more important here than in a purely rural setting.
Comprehensive coverage matters in Shorewood because of hailstorms, deer strikes along the rural fringe and other weather damage; a $250–$500 deductible is standard. Combining auto and home, and adding an umbrella, through a bundle policy is often the biggest savings lever for Shorewood households. Drivers who commute by bus or drive few miles each year may qualify for telematics or low-mileage discounts. Rates vary, and this is not a quote.
DoorDash, Amazon Flex and Instacart drivers
Delivery driving is almost certainly not covered under a standard personal auto policy, because most carriers exclude commercial use. You need either a rideshare/delivery endorsement or a commercial auto policy.
Related:Auto Insurance Auto FAQ How much can I save by bundling my insurance? Can my teen get discounts for good grades or driver’s ed?
Shorewood’s business community is mostly small: contractors and trades working across the Joliet area, restaurants and retail along the main corridors, and professional and home-based businesses. Our commercial insurance team builds each policy around how the business actually operates.
Most Shorewood businesses start with general liability, commercial property and business interruption, then add commercial auto for any company vehicles. A business owner’s policy often packages the first three together.
Illinois requires workers’ compensation from the first employee, including part-time staff, with only narrow exceptions, and penalties for non-compliance are steep. Cyber insurance belongs on the list for any business that stores customer data or takes payments, since a single breach can be expensive to resolve.
Contractors and trades make up a large share of the Shorewood and Joliet-area commercial market. Their usual stack is general liability, commercial auto and workers’ comp, sometimes with performance bonds for public-works jobs; see contractors insurance and performance bonds. Restaurants and bars add liquor liability, food spoilage and assault-and-battery coverage; see restaurants & bars.
Related:Commercial Insurance Business FAQ How much does workers’ compensation insurance cost? How much general liability insurance do I need?
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For a Shorewood household with more than $250,000 in assets, such as a paid-off home, retirement accounts or college savings, the $300,000 of liability inside a typical homeowners policy leaves real exposure. Umbrella insurance fills that gap.
A $1M umbrella layers above your home and auto liability limits and pays after they are used up. It usually costs less than people expect, and households with significant net worth should consider $2M–$5M. In Shorewood, the claims that outrun underlying limits most often involve young drivers on I-55, Route 52 or Route 59, or an injury to a guest at home.
Commercial umbrella is a separate line. Business owners with commercial general liability, commercial auto or workers’ comp should consider commercial excess liability on top, especially as revenue and payroll grow.
Related:Umbrella Insurance Insurance FAQs How much liability coverage do I really need? Can I bundle business and personal insurance together?
Get a Shorewood Umbrella Quote →
Shorewood households have plenty of places to buy insurance. Here’s what sets an independent Will County agency apart.
Since 1998 we’ve been writing policies in Mokena, Frankfort, New Lenox, Plainfield, Bolingbrook, Lockport and Shorewood. We know how commuting toward Joliet affects auto exposure, where the DuPage River flood corridor runs through Shorewood and how local rebuilding costs have moved since 2020.
We work with 14+ top-rated carriers and can shop your coverage at every renewal. A captive agency only sells one company’s products, so your options narrow when that company raises rates. When a carrier’s pricing stops making sense for you, we can move you.
Our 5.0-star rating across 1,400+ Google reviews reflects how we handle the small interactions, such as coverage questions, certificate requests and mid-year changes, not just major claims.
When a Shorewood client calls Hicks, the same person picks up. The agent on your file knows your household, your business and your prior renewals. When something goes sideways, we call the carrier on your behalf.
“I was referred to Hicks Insurance Group and called to obtain a quote on an auto and home insurance policy that was renewing. They quickly obtained a quote that was much better than my current quote at much more competitive price. I highly recommend them for your insurance needs.”— Thomas L., Google review
Learn more:About Hicks Our Team Carriers and Partners Client Testimonials
Answers to the questions Shorewood residents ask us most. For claims questions, see our insurance claims FAQ, and for life coverage, the life insurance FAQ.
Shorewood is a compact Will County village along the DuPage River, sitting between Plainfield to the north and Joliet to the east. A few facts shape how we insure homes, cars and businesses here.
Population: About 18,360 (2024), in Will County.
Area: 8.20 square miles.
Distance to the Chicago Loop: About 39 miles southwest.
History: Settled in 1830 and incorporated on November 27, 1957, making it a newer suburb than Mokena, Lockport or Plainfield.
Library: Shorewood-Troy Public Library, a joint district.
Transit: Pace bus service to Joliet.
Waterway: The DuPage River runs through the village.
Plainfield-Shorewood Area Chamber of Commerce
Shorewood and neighboring Plainfield share the Plainfield-Shorewood Area Chamber of Commerce, which connects member businesses in both communities through networking, events and advocacy. Learn more at psacc.org.
We serve Shorewood’s neighbors across Will, DuPage and Cook Counties from our Mokena insurance office.
Plainfield Channahon Minooka Lockport Bolingbrook Homer Glen Mokena Frankfort New Lenox Manhattan
Lemont Orland Park Tinley Park Oak Lawn Palos Park Palos Hills Chicago Orland Hills
Hicks is also licensed in Arizona and serves Maricopa County clients from our Tempe, AZ office.
Pick the quote path that matches what you need today. We’ll compare options across our carriers and explain the differences before you decide.
Prefer to talk it through? Call (708) 532-7474, email plservice@hicksinsurance.com or contact Hicks online. Existing clients can use the client login, and our blog covers more insurance topics.
Shorewood insurance from an independent Will County agency with 14+ carriers and a 5.0 rating across 1,400+ Google reviews.
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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.
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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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