HBK Insurance Group is committed to being the Treasure Coast's trusted educational insurance resource. Understanding your coverage — and your coverage gaps — is the first step to true protection.
A heavy tropical rainstorm drops 8 inches of rain in 4 hours on a quiet Tuesday in Stuart. Your neighbor's yard floods, water enters your garage, and your ground floor is soaked. You file a claim — only to discover your homeowners insurance doesn't cover flood damage.
Standard homeowners insurance NEVER covers flood damage. Flood insurance is a completely separate policy. In Florida, even properties outside FEMA flood zones can flood during intense rain events. The average flood claim costs $30,000–$50,000 out of pocket without flood insurance.
HBK Insurance Group offers both NFIP and private flood insurance. Many private options provide better coverage at competitive rates. Don't wait until storm season — flood insurance has a 30-day waiting period.
📞 Call for a Free ReviewA named tropical storm makes landfall near Stuart. Your roof sustains damage. You call your insurance company expecting a standard $1,000 deductible — but discover your policy has a separate hurricane deductible of 3% of your home's insured value. On a $400,000 home, that's $12,000 out of pocket.
Florida homeowners policies typically have TWO deductibles: a standard deductible for non-hurricane events and a separate hurricane deductible (usually 2–5% of insured value) triggered by named storms. Many homeowners don't discover this until they file a claim.
HBK Insurance Group reviews your hurricane deductible with every client so you know your true out-of-pocket exposure before storm season. We also help identify wind mitigation credits that can reduce your premium.
📞 Call for a Free ReviewA house fire destroys your Palm City home. You purchased your policy 10 years ago for $350,000. Construction costs have risen 40% since then. Your insurance pays $350,000 — but rebuilding the same home now costs $490,000. You're $140,000 short.
Many Florida homeowners are significantly underinsured because their coverage hasn't kept pace with rising construction costs. Insurance policies with "actual cash value" coverage also deduct depreciation, meaning you may receive far less than expected.
HBK Insurance Group reviews your coverage limits annually and recommends guaranteed replacement cost coverage where available. We also discuss inflation guard provisions that automatically adjust your coverage.
📞 Call for a Free ReviewYou're stopped at a red light on US-1 in Stuart when an uninsured driver rear-ends your car. Your vehicle is totaled and you have $15,000 in medical bills. The other driver has no insurance and no assets. Without uninsured motorist coverage, you're responsible for your own damages.
Florida has one of the highest rates of uninsured drivers in the country — approximately 20% of Florida drivers have no insurance. Florida's no-fault system requires PIP but doesn't guarantee full compensation for serious accidents.
HBK Insurance Group strongly recommends uninsured/underinsured motorist (UM/UIM) coverage for all Florida drivers. This coverage protects you when the at-fault driver has no insurance or insufficient coverage.
📞 Call for a Free ReviewSchedule a free coverage review with HBK Insurance Group. We'll identify gaps in your current coverage and recommend solutions.
📞 CALL (772) 444-8182 FREE COVERAGE REVIEW ›