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In 1972, Tower Hill Insurance began as a small Southern Florida insurance agency. Under Tower Hill’s founding family (the Shivelys), that insurance agency eventually flourished into Tower Hill Group, a collection of five Florida property insurers.

Today, Tower Hill Insurance employs 400 individuals, works with 850 independent insurance agents, and protects over 1.7 Million homeowners in Florida. Now they’re expanding into more states with their Specialty offering.

Here’s everything you need to know about Tower Hill insurance:

What’s protected with Tower Hill insurance?

Tower Hill — Florida

In Florida, Tower Hill’s core products are homeowners, condominiums, landlord, and flood insurance.

Tower Hill has fairly broad coverages, which gives plenty of opportunities for most consumers to find what they need. For example, their homeowners plan includes the option to purchase an Emerald Endorsement, which is a cost-effective way to add on a package of enhancements.

The carrier is also known for selling increased limits on high-value homes.

Tower Hill — multiple states

Tower Hill Specialty is a reasonably new, niche division under the Tower Hill brand. Tower Hill Specialty’s purpose is to provide competitive rates and excellent service for the specialty property market. Tower Hill Specialty offers coverage for:

  • Mobile homes
  • Modular homes
  • Rental properties
  • Vacant homes
  • Tiny homes
  • Homes on stilts
  • Floating homes

Tower Hill offers comprehensive insurance policies for non-standard dwellings valued up to $500,000 and protection for unique occupancy situations such as rental and seasonal homes.

Unlike their parent company, Tower Hill Specialty is in its beginning stages. Currently, the company writes business in AL, AR, AZ, FL, GA, IL, IN, MI, MO, MS, OH, SC, TX, and WI, but plans to continue to introduce its products into other states.

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Tower Hill details and reviews

Tower Hill Insurance has consistently evolved and grown over the last half-century of doing business. It appears this Gainesville, Florida, company has no plans to slow down. Tower Hill Insurance continues to maintain positive fiscal evaluations. For example, last year, AM Best reaffirmed Tower Hill’s A- (Excellent) financial rating, which is quite uncommon among Florida-based carriers.

Since April 2013, Tower Hill Insurance has been accredited with the Better Business Bureau (BBB) and maintains an A+ rating. There are 163 Tower Hill customer reviews on the BBB website with a 4.0 out of 5.0-star consumer rating.

Filing a claim with Tower Hill

The majority of shoppers want their property claims paid quickly and fairly. After all, isn’t that the primary purpose of buying homeowners insurance?

You can file a claim by:

  • Completing an online claims form
  • Calling (888) 795-7256
  • Speaking with an agent

Upon filing a new claim, Tower Hill also offers its customer access to CastleCare for any covered repairs or rebuilding.

The CastleCare service provides a network of contractors able to manage your project, including coordination with your claims adjuster. After your restoration is complete, you will receive a five-year warranty for contractor quality and a one-year warranty for materials used.

Where is Tower Hill insurance available?

In addition to their home state of Florida, Tower Hill is available in Arizona, Texas, Arkansas, Missouri, Wisconsin, Michigan, Illinois, Indiana, Ohio, Mississippi, Alabama, Georgia, and South Carolina.

Final thoughts

Tower Hill Insurance is a long-standing Florida property insurer offering protection for single-family homes, condos, and floods. The younger branch, Tower Hill Specialty, has excellent options for specialty insurance: mobile homes, tiny homes, rental properties, homes on stilts, and vacant properties.

Consumer feedback on Tower Hill is mostly positive, with some of the typical claims concerns such as denials and delays. Overall, Tower Hill Insurance and its divisions seem to be doing their best to protect their customers’ most significant investments.

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About the author
Credible Staff
Credible Staff

The goal of the Credible editorial writers and staff is to help our readers get up to speed on issues surrounding student loans, mortgage, and personal finance, so you can make informed decisions. We’re here to help you stay on top of the latest news, trends, concepts, and changes in policy and regulations.

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