Florida Boat Insurance, Charter Captain Coverage, and Florida Homeowners Insurance: Why HH Insurance and Jake Holehouse Are the Trusted Experts
When you need Florida boat insurance, charter captain insurance, or Florida homeowners insurance, you want peace of mind. But if you own a boat, run charters, or live in a hurricane-prone area like Florida, peace of mind means something very specific: will my insurance policy actually protect me when disaster strikes?
This is where HH Insurance and Jake Holehouse stand apart.
They Don't Just Sell Policies -- They Build Protection
As Jake Holehouse explains in his interview on the Tom Rowland Podcast (watch here), most people don't fully understand what their boat insurance or home insurance actually covers until it's too late.
"One dealer we helped had over 100 boats on the lot. Their policy excluded any storm loss if a tropical storm watch was issued and they didn’t evacuate. They didn’t even realize it until we reviewed it."
These are the kinds of Florida boat insurance mistakes that can cost businesses and families everything. Jake and his team read every page of your marine insurance or homeowners policy -- including the endorsements buried on page 30 -- to uncover gaps you may never know existed.
Real-World Expertise for Florida Boat Owners and Charter Captains
Unlike many agents who dabble in marine insurance, Jake and his team are boaters themselves. They understand:
Offshore Limits in Marine Insurance
Many boat insurance policies only cover 20-75 miles offshore unless specifically modified.
"Another one is offshore limitations of being 75 miles, depending on the carrier. And some carriers are down to 20 and 25 miles."
Bahamas Boat Insurance Coverage
Most policies exclude travel into the Bahamas unless it's specifically endorsed. If you take your boat outside U.S. waters, you may unknowingly be without coverage, like many do when they take a trip to the Bahamas.
"The Bahamas is not automatically covered. If it's not specifically added as an endorsement, you may not have any coverage at all when you cross the Gulf Stream."
Night Navigation Insurance Exclusions
Many charter policies exclude coverage for nighttime navigation. For Tarpon guides and offshore captains who routinely leave the dock before sunrise or return after dark, this presents a huge risk.
"I was shocked how many charter captains are out at night or early morning without realizing their policies exclude night navigation. It’s especially common in Tarpon season where most runs start well before daylight."
Haul-Out Clauses for Hurricane Boat Insurance
Some policies void hurricane coverage if you don't haul your boat out days before a storm watch.
Charter Exclusions for Commercial Boat Insurance
If you're running trips for hire, one oversight could leave you completely uninsured.
"We meet charter captains who don't even realize they don’t have liability coverage," Jake explains. "One lawsuit could ruin your business."
Florida Homeowners Insurance: Resilience Matters
With Florida's rapidly evolving homeowners insurance landscape, residents face rising premiums and shifting regulations for hurricane zone insurance.
"After 2022's legislative reforms, we're seeing some carriers actually decrease rates for properly fortified homes," Jake shares. "But only if your agent knows how to position your risk profile."
HH Insurance actively works with Florida homeowners to:
Ensure proper hurricane and flood insurance coverage
Position your property favorably with top Florida home insurance carriers
Explain complex deductibles and hidden exclusions found in hurricane insurance policies
It's Not About Price. It's About Risk.
Too many buyers focus only on finding the cheapest Florida boat insurance or homeowners insurance premium. But Jake has seen firsthand how dangerous that can be:
"You can be the most skilled person, but if you can't take action, nothing happens," he says. "Proper insurance is an action that protects your lifestyle."
A $500 savings today can cost you $500,000 tomorrow if your policy fails you when you need it most.
This Is Personal
Jake isn't just an insurance agent. He's someone who grew up in the business, learning from his father during Florida's worst hurricane seasons. His passion shows:
"We love this business. We love boating. We love helping people stay protected doing what they love."
Ready to Get the Florida Insurance You Actually Need?
If you're a boat owner, charter captain, or Florida homeowner who wants confidence that your policy will truly protect you when you need it most, take action today:
🚲 Visit HHINSGROUP.com for your free Florida boat insurance or homeowners quote
📞 Call 727-498-5551 and ask for Landon
🎧 Listen to the full podcast interview for even more insights
Mention the Tom Rowland Podcast and HH Insurance will provide you with a free, no-obligation policy review.
Don’t wait until after a storm, accident, or lawsuit to discover your coverage gaps. Let Jake and his team protect what matters most today.