Coverage Types
As an independent agency, HBK Insurance Group offers the full spectrum of insurance coverage tailored to the unique needs of Treasure Coast residents and businesses.
Auto Insurance
On-the-Road Protection for Florida Drivers
Florida sets a minimum that most drivers outgrow the day they buy a house. We compare carriers across the Treasure Coast and build the policy around what you actually own, not around the cheapest number on the screen.
- ✓ Bodily injury and property damage liability
- ✓ Comprehensive and collision
- ✓ Uninsured and underinsured motorist
- ✓ Personal injury protection (PIP)
- ✓ Roadside assistance and rental reimbursement
- ✓ Multi-vehicle and safe driver discounts
Boat & Marine Insurance
Protecting Your Time on the Water
Between the St. Lucie River, the lagoon, the inlet and the reef, a vessel here sees more water in a year than most boats see in five. We cover center consoles through cruising yachts, and write the navigational limits around where you actually run.
- ✓ Hull and machinery coverage
- ✓ Agreed value policies
- ✓ Watercraft liability and fuel spill
- ✓ Personal watercraft (PWC)
- ✓ Uninsured boater coverage
- ✓ Towing, salvage and wreck removal
Commercial Insurance
Protecting Your Treasure Coast Business
From downtown Stuart storefronts to Port Salerno marine trades, we build commercial programs line by line so you are not paying for coverage you do not need or finding a gap during a claim.
- ✓ General liability
- ✓ Commercial property
- ✓ Business owners policy (BOP)
- ✓ Professional liability (E&O)
- ✓ Commercial auto
- ✓ Workers' compensation
Condo Insurance
HO-6 Policies for Condo Owners
Your association master policy stops somewhere, and where it stops is buried in the condo documents. We read the master policy first, then write the HO-6 to meet it.
- ✓ Interior unit and improvements coverage
- ✓ Personal property protection
- ✓ Loss assessment coverage
- ✓ Liability protection
- ✓ Additional living expenses
- ✓ Flood coverage available as a companion policy
Contractors Insurance
Coverage for Florida Contractors and Trades
Contractor risk moves — tools in a truck, crews on a roof, work that outlives the job by years. We cover the trades keeping the Treasure Coast building, and we turn certificates around fast because your next job is waiting on one.
- ✓ General liability
- ✓ Commercial auto
- ✓ Tools and equipment (inland marine)
- ✓ Workers' compensation
- ✓ Builder's risk
- ✓ Certificates of insurance issued promptly
Flood Insurance
Critical for Florida Coastal Properties
Homeowners policies do not cover flood — not surge, not rising water, not the river coming up. We write both NFIP and private flood, and the private market here has become genuinely competitive.
- ✓ NFIP and private flood options
- ✓ Building and contents coverage
- ✓ Replacement cost options on private policies
- ✓ Flood zone analysis
- ✓ Elevation certificate assistance
- ✓ Coverage available outside high-risk zones
Homeowners Insurance
Your Home Is Your Most Valuable Asset
Florida's homeowners market has been turbulent for years, and the spread between carriers on the same house can be substantial. We compare top-rated carriers and review the wind mitigation credits most homeowners never claim.
- ✓ Dwelling and structural coverage
- ✓ Personal property protection
- ✓ Liability coverage
- ✓ Additional living expenses
- ✓ Guaranteed and extended replacement cost options
- ✓ Wind mitigation credit review
Motorcycle Insurance
Year-Round Riding Deserves Year-Round Protection
Florida riders are out twelve months a year, which means more exposure than riders almost anywhere else. We write cruisers, sport bikes, touring bikes, trikes and scooters, and make sure medical coverage is not the gap left open.
- ✓ Liability and guest passenger coverage
- ✓ Comprehensive and collision
- ✓ Uninsured and underinsured motorist
- ✓ Medical payments coverage
- ✓ Custom parts and accessories
- ✓ Safety course and multi-policy discounts
Renters Insurance
Protecting Renters Throughout the Treasure Coast
Your landlord insures the building and nothing inside it that belongs to you. Renters coverage protects your belongings, your liability and your living expenses if the place becomes uninhabitable.
- ✓ Personal property coverage
- ✓ Liability protection
- ✓ Additional living expenses
- ✓ Identity theft coverage available
- ✓ Flood coverage available as a companion policy
- ✓ Affordable monthly premiums
RV & Trailer Insurance
Coverage That Travels With You
A motorhome is a vehicle and a residence at once, and a travel trailer is neither — which is why auto policies handle them so poorly. We cover Class A, B and C motorhomes, fifth wheels, travel trailers, toy haulers and utility trailers.
- ✓ Motorhomes, travel trailers and fifth wheels
- ✓ Agreed value and total loss replacement options
- ✓ Personal belongings and attached accessories
- ✓ Full-timer liability for year-round living
- ✓ Emergency expense and roadside assistance
- ✓ Storage, hurricane and in-transit coverage review
Umbrella Liability
An Extra Layer Above Everything Else
An umbrella sits above your home, auto and boat liability and takes over when those limits run out. For waterfront owners, boat owners and landlords, it is the least expensive coverage per dollar of protection we write.
- ✓ Excess liability above home, auto and boat
- ✓ Personal injury coverage including libel and slander
- ✓ Legal defense costs
- ✓ Coverage for rental properties you own
- ✓ Limits commonly written from $1M to $10M
- ✓ Modest annual premium relative to the limit
Windstorm Coverage
Hurricane and Wind Protection for Florida Property
On the Treasure Coast, windstorm is the coverage your whole policy is built around. Hurricane deductibles work as a percentage rather than a flat amount, so the number that matters is not on the first page of your declarations.
- ✓ Named storm and windstorm coverage
- ✓ Hurricane deductible review
- ✓ Wind mitigation inspection guidance
- ✓ Wind mitigation credit application
- ✓ Roof covering and opening protection review
- ✓ Citizens wind alternatives