Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She is a licensed personal lines insurance producer in Colorado. Jessa currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including BiggerPockets, 401(k) Specialist, BP Wealth and more.
Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She is a licensed personal lines insurance producer in Colorado. Jessa currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including BiggerPockets, 401(k) Specialist, BP Wealth and more.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict
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At a glance
3.9
Rating: 3.9 stars out of 5
Bankrate Score
Score breakdown
Home
Rating: 3.9 stars out of 5
3.9
Cost & ratings
Rating: 3.7 stars out of 5
3.7
Coverage
Rating: 4.3 stars out of 5
4.3
Support
Rating: 4 stars out of 5
4.0
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
About Bankrate Score
Bankrate's take
Homeowners (particularly those in Florida) who have trouble finding insurance because they live in a high-risk area might choose Tower Hill. However, the company lacks a mobile app and some policyholders report customer service issues.
Flood insurance or coverage for high-value homes
Many optional endorsements
CyberShield package available
Watercraft and mobile home coverage
Home
Avg. annual premium for $300k dwelling coverage
$4,906
New
What’s new with Tower Hill?
January 11, 2022: Due to the volatile Florida homeowners insurance market, Tower Hill has announced that it is pulling its personal lines out of the Sunshine State and instead replacing it with a reciprocal insurance model — the Tower Hill Insurance Exchange.
September 2022: Following Tower Hill Prime’s exit from the Florida insurance market, Tower Hill is no longer rated by AM Best. However, in the 2023 Tower Hill Exchange Annual Report, the company noted it received an A (Exceptional) rating from Demotech.
June 1, 2023: Tower Hill Insurance Exchange announced it secured almost $2 billion in catastrophe reinsurance, almost $120 million more than the prior limit.
December 2023: Tower Hill broke ground on a new headquarters in Alachua County. The company cited its commitment to providing home insurance to Floridians.
Tower Hill home insurance review
Bankrate's insurance editorial team analyzes insurance carriers to help readers choose the best homeowners insurance company for their personalized needs. Tower Hill is a holding company for several insurance subsidiary companies: Tower Hill Prime, Tower Hill Specialty and the new, Florida-specific Tower Hill Insurance Exchange. The company advertises the ability to add-on coverage types to personalize your policy, but few details about optional coverage are available online. To note, flood coverage, watercraft coverage and high-value home and personal items coverage may be available.
Florida residents should be aware that due to the ongoing home insurance crisis here, Tower Hill has modified its business practices and risk threshold in the state. Personal lines insurance, such as homeowners insurance, was previously written under Tower Hill Prime, but since 2022, policies have been renewed under Tower Hill Insurance Exchange, a reciprocal insurer in which policyholders share the risk of insuring each other and any underwriting profits. The Exchange notes that policies did renew with coverage changes, but it does not state what these coverage changes were.
Pros and cons of Tower Hill homeowners insurance
Although Tower Hill’s coverage availability varies by state, the company gives homeowners the ability to personalize their home insurance plans. Whenever you research insurance companies, it’s helpful to weigh the pros and cons of each business. Take note of the following points when considering Tower Hill Insurance.
Pros
Endorsement options, including the “Emerald” package of enhancements, are available
Flood insurance can potentially be purchased as an endorsement or standalone policy
Exchange policyholders share in any underwriting profits
Cons
Limited homeowner insurance types available outside of Florida
No mobile app
Not rated by J.D. Power for customer or claims satisfaction
Tower Hill home insurance cost
Based on proprietary premium data information provided by data analytics company Quadrant Information Services, the average cost for a Tower Hill homeowners insurance policy is $4,906 per year for $300,000 in dwelling coverage. Although this is only slightly higher than the national average, which is $2,304 per year for the same amount of dwelling coverage, your personal home insurance rating factors could cause your actual rates to vary.
$150K dwelling
Tower Hill average premium
$2,694
National average premium
$1,406
$300K dwelling
Tower Hill average premium
$4,906
National average premium
$2,304
$350K dwelling
Tower Hill average premium
$5,658
National average premium
$2,571
$450K dwelling
Tower Hill average premium
$7,001
National average premium
$3,118
$750K dwelling
Tower Hill average premium
$8,974
National average premium
$4,549
Compare Tower Hill homeowners insurance rates
Although the exact price you pay for home insurance varies, the cost of coverage also varies by company. Take a look at the average annual premium for other insurance providers to see how Tower Hill compares.
To conduct a holistic Tower Hill Insurance review, Bankrate analyzed more than just average premiums. We know that, for some, customer satisfaction may be just as important as cheap homeowners rates. As such, our insurance editorial team typically reviews third-party scores issued by J.D. Power for customer and claims satisfaction. However, J.D. Power did not include Tower Hill in any of its property insurance studies, probably because Tower Hill is a regional insurer.
While financial strength may not be a direct indicator of customer satisfaction, it does indicate a company's historical ability to pay out claims. According to AM Best, Tower Hill Prime has a negative outlook, and its financial strength rating has gradually slipped from A- (Excellent) to B (Fair). Since then, Tower Hill Prime has stopped participating in AM Best’s rating process and the rate was withdrawn. However, Demotech has granted a financial strength rating of A (Exceptional) to the newly-formed Tower Hill Exchange and Tower Hill Prime. Since the Exchange will be the exclusive Tower Hill company in Florida, this could be vital information, considering the Demotech downgrades of 2022.
Tower Hill customer complaints
The National Association of Insurance Commissioners (NAIC) logs customer complaints against insurance companies and, combined with market share data, assigns carriers complaint indexes. These indexes have a baseline of 1.00, with indexes above 1.00 indicating more complaints than expected based on the carrier's size. In contrast, carriers with indexes under 1.00 receive fewer complaints than expected based on their size. The tabbed charts below outline each subsidiary’s index.
Tower Hill Prime received a below-baseline complaint index for its home product in 2023. However, complaints have been slowly trending upward in recent years.
The Florida-specific Tower Hill Insurance Exchange has a homeowners complaint index of 0.11 according to the most recent data available, well below the industry baseline.
Wind loss mitigation discounts: You could save in a variety of ways if you have windstorm mitigation features like roof-to-wall connection and opening protection.
Senior discount: Senior-aged policyholders may save on their Tower Hill home insurance policy.
Companion policy discount: Policyholders who hold two or more Tower Hill policies, or who have an auto or home policy with Safeco, could qualify for additional savings.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Tower Hill
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare Tower Hill with other insurers
This Tower Hill Insurance review may leave you wondering if this carrier could meet your needs. Or, perhaps Tower Hill isn't available in your area. If you want to compare home insurance quotes from more carriers, you might be interested in the companies below.
Featured
Tower Hill
Rating: 3.9 stars out of 5
3.9
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate identified key carrier features, coverage offerings, discounts and more
Homeowners in high-risk areas struggling to find coverage may be interested in a policy from Tower Hill. However, its digital tools are lacking and it does not offer car insurance.
Kin's innovative approach to homeowners insurance and continued growth in high-risk states may make it worth a look for Florida residents. This company also boasts numerous discounts that could help Floridians save on their homeowners insurance policies. Unfortunately, Kin has no mobile app and limited third-party customer satisfaction data.
Shoppers interested in Tower Hill's high-value homeowners insurance may be interested in Chubb, as this company offers extensive home insurance endorsements tailored to high-value homes. Chubb has a financial strength rating of A++ (Superior) from AM Best, but no online quoting is available and customer satisfaction information is a mixed bag.
Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Tower Hill insurance review.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
Is Tower Hill a good insurance company?
Bankrate's insurance editorial team knows how important honest, thorough reviews may be when shopping for the best homeowners insurance company. We aim to leverage our real-world insurance experience to analyze companies and help our readers make wise decisions regarding their coverage.
If you live in a state where it writes policies, Tower Hill could be a reasonable insurance option, especially if you own a high-value home. In Florida, the transition to Tower Hill Insurance Exchange seems successful so far but is not without its growing pains. However, it may be appealing for homeowners looking for robust coverage add-ons in the Florida market (where even standard policies are hard to come by).
What are real-life customers saying about Tower Hill?
Tower Hill was not included in recent J.D. Power studies, nor is it rated by AM Best. To give a more well-rounded review of Tower Hill, Bankrate’s insurance editorial team looked at real-world customer comments on Reddit. Discussions surrounding Tower Hill’s home insurance are mixed. Multiple users mentioned rate increases, but this is to be expected in many of the high-risk states where Tower Hill writes policies as the weather becomes more extreme. Some Reddit commenters decided that Tower Hill’s rate raises put the company out of their budget, but others liked the company enough to stay even after a premium increase.
Reddit user 1*
Apr 19, 2023
Doubled my premium
“I had Tower Hill for 12 years and never made a claim, even after two hurricanes. This year they more than doubled my premium out of the blue from $1,500 to $3,700 for no reason. Now I'm stuck on Citizens for $2,100.”
“Our rates with Tower Hill went up 40% between 2022 and 2023. Our 2024 bill is still several months out. Their service has been great. They’re the cheapest I’ve been able to find and I shop around each year.”
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Mailing address: Tower Hill Insurance Group P.O. Box 147018 Gainesville, FL 32614-7018
State availability
Tower Hill Insurance and its subsidiaries are available in several states. Tower Hill Insurance Exchange only offers homeowners insurance in Florida. However, Tower Hill Specialty provides HO-3 insurance in AL, AR, AZ, GA, TX, IL, IN, LA, MO, MS, MI, NC, OH, PA, WI, SC and TN.
Tower Hill tools and benefits
In addition to home and flood insurance, Tower Hill offers other lines of insurance that may appeal to homeowners:
Commercial insurance: Business owners in Texas, Alabama, South Carolina and Florida may be interested in looking into what business-owner (BOP) and monoline (CP) insurance options are available to them.
Condo insurance: This type of insurance specifically protects the interior of condominium units and provides coverage for personal property, liability and loss of use.
Renters insurance: Renters may not need to insure the home they live in, but renters insurance could insure their belongings. Similar to other property insurance, it also provides liability and loss of use coverage.
SkiSafe: This insurance offers liability and physical damage coverage for boats, jet skis and other watercrafts.
Frequently asked questions about Tower Hill
When you contact Tower Hill to file a homeowners insurance claim, the carrier will ask for basic information, including your name, policy number, the date the loss occurred and the circumstances surrounding it. It may also ask for supporting documentation, such as a police report if you're filing a theft or vandalism claim.
When you're ready, you can file a claim with Tower Hill Insurance by:
It also may be worth noting that most insurance agents recommend filing your claim as soon as possible while the information is still fresh in your mind.
Tower Hill isn’t rated by third-party insurance reviewers like J.D. Power and AM Best. However, Demotech, another independent reviewer, gave Tower Hill Insurance Exchange and Tower Hill Prime Insurance an A (Exceptional) rating.
Unlike other insurance providers, Tower Hill did not completely leave Florida. Given Florida's unique insurance challenges, the carrier re-evaluated how insurance could work successfully. Tower Hill decided to eliminate Tower Hill Preferred and Tower Hill Signature and created Tower Hill Insurance Exchange in its place. Floridian policyholders with Tower Hill Prime policies transitioned to Exchange policies during their 2022–2023 renewal terms. The Exchange is a reciprocal insurer, similar to companies like USAA. Policyholders are "members'' of the company and directly share in both risk and profit.
Yes, Tower Hill offers private flood insurance for single-family residential homes and townhouses with dwelling replacement costs of up to $2.5 million. Underwritten by RenaissanceRe and Hiscox London Market, these policies can be added as an endorsement to your existing Tower Hill home policy or purchased as a standalone policy if your homeowners insurance is with a different insurer. Some benefits of Tower Hill's flood insurance are a shorter waiting period for issuance, increased limits and the option for replacement cost loss settlement. If you need flood insurance, speak with your insurance agent about the difference between a private flood policy and the National Flood Insurance Program’s flood coverage.
Tower Hill Insurance was founded in 1972 in South Florida as the Mobile Home Insurance Associates. It was founded by W.T. Shivley and, according to the company, is still owned by the founding family. It changed its name to Tower Hill Insurance in 2005 and has continued to serve Florida as well as several other states.
Tower Hill Insurance offers some of its insurance products in 17 states, including through subsidiaries of Tower Hill and Tower Hill Insurance Exchange. The latter only offers homeowners insurance in Florida. Hower, a subsidiary called Tower Hill Specialty offers HO-3 insurance in 16 states including Alabama, Arkansas, Arizona, Georgia, Illinois, Indiana, Louisiana, Missouri, Mississippi, Michigan, North Carolina, Ohio, South Carolina, Tennessee, Texas and Wisconsin.
Methodology
Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage levels:
40 year old
Married male and female homeowners
2016 build year
Primary home
Good credit score
Clean claim history
Dwelling coverage
$300,000
Other structures coverage
$30,000
Personal property coverage
$150,000
Loss of use coverage
$60,000
Liability coverage
$500,000
Medical payment coverage
$1,000
The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
Additional profiles:
Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000
Bankrate Scores
Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
5
Rating: 5 stars out of 5
Overall Score
Cost & ratings50%
Coverage & savings30%
Support20%
Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
What policyholders are saying about Tower Hill
Tower Hill has 25 reviews
Dive into community reviews below and see what others think about Tower Hill.
3.9
25
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
68% of consumers recommend this insurer
Score breakdown
5 stars
52%
4 stars
16%
3 stars
16%
2 stars
0%
1 star
16%
Score by category
Overall rating3.9 / 5
Original cost3.7 / 5
Coverage4.1 / 5
Customer Support4.3 / 5
How we got these ratings
In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
See what users like you are saying about Tower Hill.
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
They have the best coverage and pricing structure
How does this insurer compare to insurance companies you’ve had in the past?
Lower cost with good coverage
Insurance Type
Home
Score by category
Original cost5/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
I have been with them alot of years and never any problems they cant fix
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I best company to do business with, i would only leave them if they didnt renew my contract
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
If I ever have questions, I just have to give them a quick call and they’re very reassuring and greatness to any of my questions.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
If I ever decided to leave my company it It would have to be low pay or irresponsible people are being disrespectful or abusing their position to their Employees.
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage2/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
I liked the pricing the best
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I would consider leaving if another had better prices
Insurance Type
Home
Score by category
Original cost2/ 5
Customer Support2/ 5
Coverage1/ 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
Helps most of my cash
Insurance Type
Home
Score by category
Original cost2/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
I’d say it’s the specialization in this type of insurance for me
How does this insurer compare to insurance companies you’ve had in the past?
They are up there if not better than insurance companies I have used in the past.
Insurance Type
Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Customer service is good, the cost is very affordable, review from others who have used them is always a 5 star
How does this insurer compare to insurance companies you’ve had in the past?
I haven't changed insurance company since I started using them
Insurance Type
Home
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
They provide the best service
How does this insurer compare to insurance companies you’ve had in the past?
It actually meet my expectations
Insurance Type
Home
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
To ensure the safety of my car and home and for future purposes
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
It is very simple to access and easier to repay
Insurance Type
Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
It was difficult to get a home insurer in Florida so my choice of Tower Hill was a lucky one.
How does this insurer compare to insurance companies you’ve had in the past?
It is a good company because the agent practices excellent customer service and tries to be competitive with rates.
Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She is a licensed personal lines insurance producer in Colorado. Jessa currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including BiggerPockets, 401(k) Specialist, BP Wealth and more.
$3,541
