Your Local Frankfort Insurance Agency
Also Serving Tinley Park, Orland Park, Mokena & New Lenox
For more than a decade, the team at Edward Wilkins has helped families and businesses in Frankfort and the southwest suburbs get clear, reliable coverage with Farmers® Insurance — right here at home.
Insurance Shouldn’t Be Confusing — Or Distant
Insurance gaps only show up when it’s too late.
Don’t wait until after an accident or storm to realize your coverage fell short.
As your local Farmers® agent in Frankfort, Edward and his team make sure families stay protected when it matters most.
Call Centers Don’t Know Your Neighborhood
Big 1-800 numbers treat you like a file, not a neighbor. With Edward, you get real local guidance right here in Frankfort.
Cheap Plans Disappear When You Need Them
Cheap online insurance looks good until the fine print leaves you stranded. Edward makes sure your coverage is there when it counts.
Don’t Wait Until Disaster Strikes
Too many families only find gaps after an accident or storm. Get protected now — before you’re paying out of pocket.
Meet Edward Wilkins — Your Local Guide in Insurance
Serving Frankfort & Southwest Suburbs Since 2012.
For more than a decade, Edward and his team have been helping families and businesses in Frankfort, Tinley Park, Orland Park, Mokena, and New Lenox protect what they’ve worked hard for.
As your local Farmers® Insurance agency since 2012, the team at Edward Wilkins brings national strength backed by personal attention. You’ll never be routed to a call center — when you call, you talk directly to The Wilkins Group, right here in Frankfort.
Coverage Made Simple for Local Families & Businesses
No matter where you live in Chicago’s southwest suburbs, Edward makes coverage simple:
Home/Renters Insurance
Safeguard your home, condo, or apartment with flexible protection for where you live.
Auto Insurance
Protect your car and family with reliable coverage and award-winning claims service.
Motorcycle Insurance
Ride with confidence thanks to coverage for your bike, accessories, and trip interruptions.
Umbrella Insurance
Add an extra layer of security that shields you from life’s unexpected and costly “what ifs.”
Life Insurance
Plan ahead with term or whole life options designed to protect your loved ones long into the future.
Business Insurance
Secure your business with property, liability, and Buy-Sell Agreement protection you can count on.
Every year, rates change. Don’t miss the chance to lock in coverage before premiums rise.
Specialty & Adventure Coverage
From boats and personal watercraft to RVs, ATVs, and 5th wheels — Edward offers specialized coverage designed for the way locals in Frankfort, Tinley Park, Orland Park, Mokena, and New Lenox actually live. Don’t find out too late that your weekend toys weren’t fully covered.
Boats & Watercraft
Protection for your boat, jet ski, or personal watercraft so you can enjoy the water worry-free.
RVs & Motorhomes
Coverage for your RV, camper, or motorhome whether you’re parked, in storage, or on the move.
ATVs & Off-Road Vehicles
Specialized protection for your four-wheelers and off-road vehicles built for recreation and adventure.
Trailers & 5th Wheels
Coverage for travel trailers and 5th wheels so your getaways go off without a hitch and stay on track.
Why Your Neighbors Choose The Wilkins Group
Trusted by families and businesses across Frankfort, Tinley Park, Orland Park, Mokena, and New Lenox since 2012.
Local Service, National Strength
Backed by Farmers® but rooted right here in Frankfort.
Trusted for More Than a Decade
Serving families and businesses since 2012.
Always Here, Always Accessible
Available Monday–Friday, 8:30 AM–5:30 PM.
Personalized Policy Quotes
Every policy tailored to your needs.
Focused On the Local Community
Serving Frankfort, Tinley Park, Orland Park, Mokena & New Lenox.
Real People, No Call Centers
When you call, you talk to Edward’s team directly.
What’s Actually Covered in a Standard Homeowners Policy (and What’s Not)
What’s Actually Covered in a Standard Homeowners Policy (and What’s Not)
If you’re a homeowner in Frankfort, Tinley Park, or anywhere in the south Chicagoland area, you know your home is more than just four walls—it’s your sanctuary. At Edward Wilkins Insurance, we’re passionate about protecting what matters most. But misconceptions swirl around homeowners insurance coverage, leaving many families exposed. Let’s pull back the curtain on what your standard policy truly covers—and what’s left out.
✔️ What Does a Standard Homeowners Policy Cover?
- Dwelling Coverage – Repairs or rebuilds your home if it’s damaged by covered perils like fire, windstorms, or vandalism.
- Other Structures – Covers fences, garages, sheds, and detached buildings on your property.
- Personal Property – Protects your belongings (furniture, electronics, clothing) from theft or certain types of damage.
- Liability Protection – Shields you if someone gets hurt on your property or you’re held responsible for damage to others.
- Loss of Use (Additional Living Expenses) – Pays for hotel stays or rentals if your home is uninhabitable due to a covered claim.
Think of your policy as a financial safety net for common risks—but not all risks are included.
🚫 What’s NOT Typically Covered?
- Flood Damage – Standard policies never cover water damage from natural flooding. Separate flood insurance is essential—especially in Illinois’ unpredictable weather!
- Earthquakes – Most policies exclude quake damage, but dedicated coverage is available.
- Routine Wear & Tear – Repairs due to aging or neglect are homeowner responsibilities.
- Intentional Damage – Losses that result from intentional acts (even by household members) are not covered.
- High-Value Items – Jewelry, art, collectibles may have limited coverage without special endorsements.
“Many online quotes focus on price, not protection. At Edward Wilkins Insurance, we prioritize avoiding costly coverage gaps—so surprises don’t follow storms.”
Why Coverage Gaps Happen – And How We Solve Them with Smart Technology
Most homeowners discover limitations only after disaster strikes. That’s why our agency combines the human touch with digital intelligence to simplify your insurance review:
- AI-driven checkups catch missing coverages and recommend tailor-fit endorsements.
- Personal consultations ensure you’re not buying “too much” or “too little”—just the right protection for your life.
Our mission: To make insurance clear, dependable, and proactive. That means preventing gaps—before they become costly claims.
The Next Step: Is Your Home Fully Protected?
Few families know exactly what their homeowners insurance covers. Our local team can help you:
- Identify hidden risks (like sewer backup, foundation cracks, or tree liability)
- Bundle home, auto, or umbrella coverage for extra savings
- Make smart upgrades for the best value
Ready for more peace of mind?
Click here to schedule a complimentary coverage review with Edward Wilkins Insurance today!
Click here to schedule a complimentary coverage review with Edward Wilkins Insurance today!
Edward Wilkins Insurance: Local roots. Trusted advice. Technology-driven clarity.
Frankfort, IL | Serving Tinley Park, Orland Park, Mokena, New Lenox
Testimonials
Don’t take our word for it, hear what our happy clients have to say...
"I have worked with the SLP team for years. They have always provided me with great advise and there service as be the best around."
Nathan Klug
"I always hate having to renew my insurance, but the SLP Insurance team has made it easy for me to take care of all my needs in one place. Thanks!"
Kenneth McCreery
The right coverage can’t wait until after an accident or storm. Protect your family and business today with Edward Wilkins — your local Farmers® Insurance agent in Frankfort.