Your Home Is Your Most Valuable Asset
Florida's homeowners market has been turbulent for years, and the difference between carriers on the same house can be substantial. HBK Insurance Group compares top-rated Florida carriers for your specific property — waterfront, inland, older roof or new construction — and reviews the wind mitigation credits most homeowners never claim.
What Homeowners Insurance Covers
- ✓ Dwelling and structural coverage
- ✓ Personal property protection
- ✓ Liability coverage
- ✓ Additional living expenses
- ✓ Guaranteed and extended replacement cost options
- ✓ Wind mitigation credit review
Roof Age Drives Florida Pricing
More than square footage, more than location, roof age decides which carriers will look at your home and at what price. If your roof was replaced recently and your premium has not moved, the credit may never have been applied. That is a five-minute check with real money attached.
Citizens Is a Last Resort, Not a Destination
Citizens exists for homeowners who cannot find coverage in the private market, and policyholders there face depopulation offers and assessment exposure that private carriers do not carry. If you are in Citizens, it is worth asking annually whether the private market has opened back up for your home.
Common Questions
What is a wind mitigation inspection?
An inspection documenting roof shape, attachment, opening protection and other features that reduce wind damage. The credits are often significant, and the inspection typically pays for itself.
Does my policy cover water damage?
Sudden and accidental discharge, generally yes. Gradual leaks, seepage and flood, no. Water backup is a separate endorsement worth adding.
How much dwelling coverage do I need?
Enough to rebuild at current Florida construction costs — not the market value and not the purchase price. Those numbers have diverged sharply.
Get Your Homeowners Insurance Quote
Start your quote below and a licensed HBK agent will review it and follow up. Prefer to talk it through? Call (772) 444-8182.
Serving the Treasure Coast
HBK Insurance Group is an independent agency in Stuart, Florida, serving Martin, St. Lucie and Palm Beach counties — Stuart, Palm City, Port Salerno, Jensen Beach, Hobe Sound, Sewall’s Point, Rio, Hutchinson Island, Port St. Lucie, Tradition, Fort Pierce, Jupiter, Tequesta and Palm Beach Gardens.