📞 (772) 444-8182 ✉ info@hbkinsurancegroup.com 📍 160 SW Otter Run Pl, Stuart, Florida 34997
Mon–Thu 9AM–4:30PM  |  Fri 9AM–1PM  |  Sat by appt

PROPERTY & CASUALTY INSURANCE COVERAGE

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.

Homeowners Insurance

Your Home is Your Most Valuable Asset

HBK Insurance Group compares homeowners insurance from multiple top-rated Florida carriers to find the best combination of coverage and price for your specific home whether you're in a flood zone, on the waterfront, or in an inland community.

  • ✓ Dwelling & structural coverage
  • ✓ Personal property protection
  • ✓ Liability coverage
  • ✓ Additional living expenses
  • ✓ Guaranteed replacement cost options
  • ✓ Wind mitigation credit review
  • ✓ Citizens Insurance alternatives

Flood Insurance

Critical for Florida Coastal Properties

Florida's coastal geography makes flood insurance essential not just for properties in FEMA flood zones. HBK Insurance Group offers both NFIP and private flood insurance options, often providing broader coverage at competitive rates.

  • ✓ NFIP & private flood options
  • ✓ Building & contents coverage
  • ✓ Competitive private market rates
  • ✓ Flood zone analysis
  • ✓ Elevation certificate assistance
  • ✓ Replacement cost coverage

Auto Insurance

On the Road Protection for Florida Drivers

Florida requires minimum auto insurance, but the right coverage goes much further. HBK Insurance Group compares rates across multiple carriers to find the best auto insurance for your household.

  • ✓ Liability coverage
  • ✓ Comprehensive & collision
  • ✓ Uninsured/underinsured motorist
  • ✓ Personal injury protection (PIP)
  • ✓ Roadside assistance
  • ✓ Multi-vehicle discounts

Boat & Marine Insurance

Protecting Your Time on the Water

Martin County is a boater's paradise, and your vessel deserves proper protection. HBK Insurance Group covers everything from small fishing boats to large yachts, personal watercraft, and commercial marine operations.

  • ✓ Hull & machinery coverage
  • ✓ Agreed value policies
  • ✓ Liability protection
  • ✓ Personal watercraft (PWC)
  • ✓ Uninsured boater coverage
  • ✓ Towing & assistance

Commercial Insurance

Protecting Your Treasure Coast Business

From Stuart's downtown businesses to Port Salerno's marine operations, HBK Insurance Group provides comprehensive commercial insurance including BOPs, general liability, commercial property, and workers' compensation.

  • ✓ General liability
  • ✓ Commercial property
  • ✓ Business owners policy (BOP)
  • ✓ Professional liability (E&O)
  • ✓ Commercial auto
  • ✓ Workers' compensation

Condo Insurance

HO-6 Policies for Condo Owners

Condo owners in Jensen Beach, Stuart, and along Hutchinson Island need specialized HO-6 policies that cover your unit's interior, personal property, and liability filling the gaps left by your condo association's master policy.

  • ✓ Interior unit coverage
  • ✓ Personal property protection
  • ✓ Loss assessment coverage
  • ✓ Liability protection
  • ✓ Additional living expenses
  • ✓ Flood insurance add-on

Umbrella Liability

Extra Layer of Protection

An umbrella policy provides additional liability coverage above and beyond your home, auto, and boat policies. Especially important for waterfront property owners, boat owners, and high-net-worth individuals in Martin County and Palm Beach County.

  • ✓ Excess liability coverage
  • ✓ Covers home, auto & boat
  • ✓ Personal injury protection
  • ✓ Legal defense costs
  • ✓ $1M$10M limits available
  • ✓ Affordable annual premium

Contractors Insurance

Coverage for Florida Contractors

Florida contractors face unique liability and property risks. HBK Insurance Group provides general liability, commercial auto, tools and equipment coverage, and workers' compensation for contractors and tradespeople throughout the Treasure Coast.

  • ✓ General liability
  • ✓ Commercial auto
  • ✓ Tools & equipment coverage
  • ✓ Workers' compensation
  • ✓ Builder's risk insurance
  • ✓ Inland marine coverage

Windstorm Coverage

Hurricane & Wind Protection for Florida

Florida's hurricane season creates significant windstorm exposure for Treasure Coast properties. HBK Insurance Group reviews your windstorm coverage, hurricane deductibles, and wind mitigation credits to ensure you're properly protected.

  • ✓ Named storm coverage
  • ✓ Hurricane deductible review
  • ✓ Wind mitigation inspection
  • ✓ Wind mitigation credits
  • ✓ Roof covering coverage
  • ✓ Citizens wind alternatives

Renters Insurance

Protecting Renters Throughout the Treasure Coast

Renters insurance protects your personal belongings, provides liability coverage, and covers additional living expenses if your rental becomes uninhabitable. HBK Insurance Group offers affordable renters insurance for Treasure Coast residents.

  • ✓ Personal property coverage
  • ✓ Liability protection
  • ✓ Additional living expenses
  • ✓ Identity theft coverage
  • ✓ Flood insurance add-on
  • ✓ Affordable monthly premiums

Ready to Compare Your Coverage Options?

HBK Insurance Group shops multiple carriers to find you the best coverage at the right price.

📞 Call (772) 444-8182 — Free Quote