Trusted Local Insurance Agency in Cape CoralHRI Insurance
Protecting what matters most with tailored home, auto, and business coverage.
Looking for reliable coverage without the guesswork? At HRI Insurance, we bring years of local expertise to safeguarding your family, your assets, and your business.
We specialize in crafting precise, tailored policies across all your coverage needs:
- •Personal Protection: Custom plans for your home, auto, renters, and life insurance.
- •Coastal & Environmental Expertise: Specialized flood insurance built for Florida property owners.
- •Commercial Security: Robust business and commercial insurance to safeguard your livelihood.
We don't believe in one-size-fits-all policies. Our commitment is to deliver precision, top-tier quality, and the personalized, dedicated support you deserve—every single step of the way.
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Auto Insurance
Drive with peace of mind. From daily Cape Coral commutes to weekend road trips, we offer flexible car insurance policies that fit your budget—including liability, collision, comprehensive, and commercial auto options.
Boat & Watercraft
Enjoy the Gulf and local canals with confidence. Our marine coverage protects a wide range of watercraft against accidents, theft, liability, and weather damage—whether you are cruising the river or heading out to the open sea.
Commercial
Commercial Lines: General Liability, Work Comp, Commercial Auto, Builders Risk, and Commercial Property. Keep your business secure with commercial insurance tailored to your specific industry. From general liability and commercial property to workers' comp and business interruption, we minimize your risks so you can focus on growth.
Homeowners & Flood
Safeguard your biggest investment against Florida's unique coastal risks. Our homeowners insurance protects against fire, theft, and storm damage, while our dedicated flood policies provide the essential water backup and rising water protection missing from standard policies.
Life Insurance
Secure your family's financial future and gain lasting peace of mind. Our life insurance solutions provide a reliable safety net to cover mortgage debt, everyday living expenses, and final costs for the people who matter most.
About HRI Insurance: Cape Coral’s Trusted Independent Agency
HRI Insurance is an independent insurance agency proudly safeguarding individuals, families, and businesses throughout Southwest Florida since 2008. Bringing over 17 years of dedicated industry experience, our team specializes in delivering personalized service, expert risk management, and affordable insurance solutions tailored to your unique lifestyle and budget.
Why Choose an Independent Agent? 20+ Carriers, Maximum Savings
As an independent insurance agency, we do not work for a single massive insurance corporation—we work directly for you. We partner with over 20 of the nation’s top-rated insurance carriers. This allows our licensed agents to shop the market on your behalf, compare coverages, and secure the most competitive rates and deep multi-policy discounts available in Florida.
Comprehensive Personal & Commercial Protection
We are a local small business with a massive mission: helping you protect your hard-earned assets while driving your premium costs down. Our agents simplify the complex world of insurance by explaining your options in plain English.
We write comprehensive policies across a diverse range of lines, including:
- •Personal Lines: High-value homeowners insurance, flood insurance, auto insurance, renters, and life insurance portfolios.
- •Marine Lines: Specialized boat and personal watercraft insurance designed for Florida’s coastal lifestyles.
- •Commercial Lines: Robust business protection including General Liability, Workers’ Compensation, Commercial Auto, Dump Truck Insurance, and Business Owner Policies (BOPs).
Serving Cape Coral and Statewide Clients Across Florida
While our primary agency storefront is located in Cape Coral, FL, our network of remote insurance agents seamlessly protects clients all across the Sunshine State. No matter where you live in Florida, our team is structured to deliver rapid digital quotes, annual coverage reviews, and prompt claims assistance.
At HRI Insurance, you are never just a policy number—you are a valued part of our local family.
The 5 Star Reviews:
Southwest Florida Renovation, Inc.
"Harvey and his agents have gone a step above any other insurance company I have ever had in the past. I’ve been a customer with HRI insurance for over 25 years. If you need any insurance policy they are the people to talk to. He has all my policies, home , auto and liability."
"They are very fast in getting you a quote for Auto and/or for General Liability. They were able to answer all my questions as well. I recommend them if you need any type of insurance because they have the best pricing!"
"Being on a fixed income I needed someone who could help me save money on my insurance. Harvey was able to give me options to save me money. I got a wind report and it help tremendous. My other agent said, he could not help me and I would have to just renew the policy."
"HRI Insurance has been great to work with. Harvey takes care of my business general liability and my commercial auto insurance and has saved me a lot of money. I have the kind of business that needs certificates of insurance written for my customers...often. Harvey is always very quick to write these certificates of insurance and is always there if I have a question or concern. I recommend HRI Insurance to anyone that needs insurance."
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Contact Us
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