Scott Scales Insurance Agency Dba S Squared Insurance
1658 E Wabash, Frankfort, IN 46041
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Frankfort households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1658 E Wabash, Frankfort, IN 46041
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Frankfort residents.
Frankfort, Illinois home insurance guide: tornado coverage, rising rates, and tips to save. Get the protection you need at a price you can afford.
Illinois requires $25,000 per person and $50,000 per accident for bodily injury liability, plus $20,000 for property damage. You also need uninsured motorist coverage at the same 25/50 limits. However, these minimums often aren't enough to protect your assets in a serious accident, and most Frankfort residents should consider higher limits given the area's affluence.
Illinois home insurance rates have jumped 50% since 2021 due to severe weather events in Will County, including more frequent hail storms and tornadoes. Inflation has also driven up construction and labor costs, making claims more expensive for insurers. Major carriers like State Farm and Allstate have implemented significant rate increases, with more planned for 2026.
Both have advantages. Local independent agents in Frankfort can shop multiple carriers and understand Will County-specific risks like weather patterns and local building costs. They're especially valuable when comparing complex coverage options. Online quotes from direct writers can be convenient and competitive, but you'll miss the personalized advice. Getting quotes from both sources helps ensure you're getting the best combination of price and coverage.
Illinois drivers pay an average of $173 per month for full coverage auto insurance, or about $2,080 annually. Minimum coverage costs around $50 monthly. Your actual rate depends on your driving record, age, credit score, vehicle type, and where you park. The good news is that Illinois insurers are lowering rates by 4.26% in 2026, unlike most states where rates continue rising.
While Frankfort isn't a coastal area, Will County does experience flooding from severe storms. Standard homeowners insurance excludes flood damage entirely. If you're in or near a flood zone, you'll need a separate flood policy through the National Flood Insurance Program or a private carrier. Even if it's not required by your lender, evaluate your risk—flood claims are expensive and not covered by your regular home policy.
Umbrella insurance provides extra liability coverage—typically $1 million to $5 million—that kicks in when your auto or home liability limits are exceeded. Given Frankfort's median household income of $153,714, many residents have substantial assets that could be at risk in a lawsuit. Umbrella policies are affordable, often $150-$300 annually for $1 million in coverage, making them an excellent value for asset protection.
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