Hutchinson Island is a barrier island between the Atlantic and the Indian River Lagoon, spanning Martin and St. Lucie counties. Oceanfront condos and homes here face the most direct wind and flood exposure on the Treasure Coast.
Insurance for Hutchinson Island homes, drivers and businesses
For condo owners, we match HO-6 coverage to the association’s master policy and deductible, and add loss-assessment coverage to protect against special assessments after a storm. For homeowners, we coordinate wind, flood and contents coverage and look for every wind mitigation credit available. Seasonal residents get help with vacancy rules and coverage while they’re away.
Popular coverage in Hutchinson Island
Before hurricane season: review your hurricane deductible, confirm whether you have flood coverage, and make sure a current wind mitigation report is on file. Learn about wind mitigation.
Hutchinson Island insurance FAQ
Do I need loss assessment coverage for my island condo?
It’s strongly recommended. If the association’s master deductible or a storm repair is passed on to owners, loss assessment coverage helps pay your share.
Are seasonal residents covered while away?
Many policies have vacancy or unoccupancy limits. Tell us when you’re away and we’ll make sure your policy fits how you use the property.
Nearby communities we serve
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