Tower Hill Insurance Group

  • Company name: Tower Hill Insurance Group
  • Specialty: Tower Hill Home Insurance
  • Company type: Public
  • CEODon Matz
  • Year founded: 1972
  • Headquarters: Post Office Box 147018, Gainesville, FL 32614
  • Bundle option with auto: No
  • Eligibility requirement: Tower Hill home insurance is only available in Florida
Tower hill insurance

About Tower Hill Insurance Group 

Tower Hill Insurance Group was established in 1972 Gainesville, Florida. The company has grown to be one of Florida’s largest residential property insurance providers over the past 50 years. Tower Hill home insurance offers a wide range of insurance products in 17 states. Most of its customers are located in the southeast. However, Tower Hill’s Home insurance Policies are not available outside of Florida.

Expertise in dealing with hurricanes makes this a strong choice for Florida residents. It is really good for those people who want a one-stop shop for home and flood insurance or the owners of high-value homes. But some People who want to bundle home and auto insurance may get disappointed.

Tower Hill is an unusual home insurance company as it offers policies for both standard dwellings or high-value homes. Tower Hill offers high coverage limits and optional endorsements for expensive Florida oceanfront properties. Standard policy also includes coverage for catastrophic ground cover collapse.

Also Know>> Best Jobs For Shy People & Introverts

Tower Hill Home Insurance Pros & Cons


  • 24/7 customer portal
  • Nearly 50 years of experience
  • BBB rating- A+


  • Only available in Florida.
  • Few discounts.

Tower Hill offers many endorsements to allow you to tailor your coverage.

  • Perishables
  • Forgery and counterfeit money with credit cards
  • Replacing locks
  • Sump overflow and water backup
  • Identity fraud
  • Power shortages can cause loss of use

The company provides coverage for homeowners, mobile homeowners and renters of rental property, condos, condominiums, renters, commercial, flood, equipment breakdown, and other purposes.It has offices in Gainesville (Florida), Lexington (Ky.), and Cincinnati (Ohio). Tower Hill doesn’t offer online purchasing, so it’s difficult for customers to buy a policy without speaking with an agent. The policyholders of Tower Hill will almost always need to speak with an agent or broker in order to obtain a quote and/or purchase a policy.

Also Know>> Highest Paying Insurance Jobs

Tower Hill Products

Tower Hill offers a wide range of coverage options, so insurance shoppers will be able to find the coverage they are looking for. This includes flood insurance and increased coverage for homes with high-value properties.

The company offers standard home insurance, including coverage for your home and possessions. It also has policies that can supplement traditional (HO-3) home insurance. Flood insurance, higher coverage levels for high-value properties, and specialized coverage for landlords, renters, and owners of mobile homes and condominiums are all available. However, the company does not offer automobile insurance.

Tower Hill insurance is generally less expensive than other Florida home insurance companies.The company also received slightly higher than average customer service reviews among Florida insurance companies. Most complaints were about the claims department. This included unsatisfactory settlement amounts, and denials.

 Also Know>> Best Cars Insurance Companies Of US

Tower Hill Home Insurance Coverage

The company provides all the coverages that Florida residents expect from a homeowner’s insurance company. Tower Hill also provides a variety of less-known coverage options to protect your home, including flood coverage and extended limits for homeowners with high-value properties.

Home insurance with high-value

Tower Hill provides coverage for homes of high value. It is usually available for homes between $750,000 to $5 million. These homes might be large or in desirable locations, or offer a lot more amenities such as a private tennis court or pool.

Tower Hill offers two levels of high-end homeowner insurance: Prime Plus or Spire. Both offer the same coverage, but the Spire ultra-premium coverage has more add-ons.

Company’s high value home policies will have higher coverage than a typical home in many respects. Tower Hill’s high value policies offer a few coverage options that significantly exceed the typical homeowner’s limits.

Flood insurance

Tower Hill provides flood insurance for Florida homeowners through two types: the federally backed National Flood Insurance Program, (NFIP), and its own private flood insurance policy.

This insurance company is a great option for flood insurance because homeowners can get multiple options from one insurance company.

Tower Hill offers additional coverage options

Tower Hill offers homeowners a variety of additional coverages, which are not as common. They can also add these coverages to their policy if desired. These coverages cover more than just home insurance and can be used to pay for any additional expenses that you may incur due to a covered peril.

Coverage for Ordinance/Law. This coverage pays for any additional home reconstruction costs necessary to bring a home up-to-code. This coverage would cover additional costs if the house is damaged by wind or if it is discovered that it needs to be upgraded to comply with new fire safety standards.

Landscaping: Indemnifies you for any damage to your landscaping, including the lawns.

Removal of debris. Additional costs for debris removal after a storm or other natural disaster.

Loss assessment: As long as you are not a covered peril, if you are a homeowner or neighborhood association member, you will be reimbursed for all assessments that the association charges.

Also Know>> How U.S Health Insurance Works?

Tower Hill standard insurance coverages

Tower Hill’s standard coverages cover your home, other structures, including a shed or detached garage, and personal property like clothing and appliances. In addition to providing liability coverage, the insurer will also cover you financially in the event that someone sues for financial damages. For example, if they are injured on your property.

Coverage for dwellings/ Coverage A: This policy covers the structure and dwelling of your home including the windows and doors, roof, and interior and exterior walls.

Coverage for other structures/Coverage B: Protects any other structures on your property such as a detached garage or shed, or a pool house.

Personal property/Coverage C: Protects personal property that you have in your home, such as furniture or electronics.

Additional Living Costs/Coverage D:If you are forced to move because of a covered reason, this policy will pay for additional living expenses, such as a hotel room or temporary rent.

Insurance coverage: Liability coverage covers the cost of any injury that someone causes to your property.


Among home insurance companies that operate in Florida, Tower Hill is a strong option: Its affordable rates and good financial standing make it an appealing option for Florida homeowners. The company’s limited online tools make it more difficult to purchase insurance coverage than some of its rivals, who offer the option of purchasing the policy online. 

With accreditation and A+ rating from the Better Business Bureau, we believe Tower Hill home insurance is a solid choice if you live in Florida. In terms of coverage, cost, availability, and more it is 8.5 out 10.

Tower Hill Insurance Group is a good choice for Florida home insurance. This Insurance Group offers comprehensive coverage that includes catastrophic ground cover collapse coverage as well as a variety endorsements. Tower Hill Insurance Group is distinguished by its 4-star rating from the Better Business Bureau.

The company’s small service area and lack of discounts are a drawback.  

Also Know>> Liability Insurance Coverage In car Insurance