Where To File A Claim
|Claims documentation, such as photos, estimates, and receipts, can be emailed to . Be sure to include your claim number in the subject line.
|FLOOD WITH Lloyd’s
Available at no cost and exclusively for Tower Hill policyholders, CastleCare is a credentialed contractor network program for when repairs or rebuilding are necessary. CastleCare works closely with the adjuster to determine the level of assistance needed.
|Auto Club Insurance Co
|800-222-7623 ext. 5000
Call 24 hours a day:
Report the claim to your agent
Other Tower Hill Perks Worth Considering
In addition to home insurance, Tower Hills also offers commercial business insurance and other types of personal lines insurance. This includes:
- Commercial insurance: Business owners in Texas, Alabama, South Carolina and Florida may be interested in looking into what business-owner and monoline 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 can insure their belongings. Similar to other property insurance, it also provides liability and loss of use coverage.
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 Hills A- financial rating, which is quite uncommon among Florida-based carriers.
Since April 2013, Tower Hill Insurance has been accredited with the Better Business Bureau 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.
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Tower Hill Insurance Review 2022
Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs.
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 stricteditorial integrity,this post may contain references to products from our partners. Here’s an explanation of how we make money.Our content is backed byCoverage.com, LLC, a licensed entity . For more information, please see ourInsurance Disclosure
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Prevent Further Damage To Your Home
To help avoid further damage, you can make minor repairs . Be sure to keep your repair receipts. If possible, gather the following information prior meeting with your Claims Adjuster: an inventory of damaged items, including photos and/or receipts and a copy of the fire or police departments report, if applicable.
Tower Hill Home Insurance
While specific coverage availability may vary by state, Tower Hill home insurance gives homeowners an opportunity to build out their own home insurance plan. The Typical policy and mid-tier Prime Plus provide base-level home insurance coverage, but homeowners can add endorsements, like extended replacement cost, water back up coverage and personal injury coverage, as needed. Tower Hill also offers unique add-on coverage options that might be difficult to find with other carriers. This includes landscaping coverage, food spoilage, trampoline liability, lock replacement and more.
The companys highest-tier Spire package is intended for high-value homes and comes with many of these optional coverages built into the policy. The AOP waiver is particularly noteworthy, as it is only available on Spire policies and eliminates your deductible in the event of a major loss from covered events other than hurricanes. Keep in mind, though, that policy coverage options may vary by state, so youll need to work with a Tower Hill insurance agent to see what coverage is available to you.
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What Is A Reciprocal Insurer And How Does It Work
Tower Hills newest risk-bearing entity, Tower Hill Insurance Exchange , is considered a reciprocal insurer because the policyholders will insure each other and share in the underwriting profits generated via subscriber savings accounts.
Whereas conventional carriers are owned by shareholders or private investors, reciprocal insurance companies are owned by their members. Some of the best known and popular reciprocals are USAA, Farmers Insurance, Privilege Underwriters Reciprocal Exchange , and Erie Insurance.
Who Manages The Exchange
THIE will be managed by Tower Hill Risk Management as the Attorney-in-Fact . THRM will be responsible for all facets of the Exchanges operations. When you sign the Power of Attorney, you are authorizing the Attorney-in-Fact to manage the company on your behalf. Tower Hill Risk Management is an affiliate of Tower Hill Insurance Group, LLC.
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Filing A Claim With Tower Hill
The majority of shoppers want their property claims paid quickly and fairly. After all, isnt that the primary purpose of buying homeowners insurance?
You can file a claim by:
- Completing an online claims form
- Calling 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.
Not Sure If Tower Hill Is Right For You Consider These Alternatives
When shopping for home insurance, its helpful to obtain multiple quotes to find the best home insurance company for your needs. Below are a few carriers that could be comparable to Tower Hill:
- Kin Insurance: Kins groundbreaking approach to homeowners insurance and continued growth in high-risk states may make it worth a look for Florida residents.
- Chubb Insurance: Chubb offers extensive home insurance endorsements tailored to high-value homes.
- State Farm: State Farm consistently receives high customer satisfaction scores, which may be ideal for customers who want personalized service.
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What Are Subscriber Savings Accounts
SSAs are accounts which allow reciprocal members to share in the Exchanges underwriting profit. For Tower Hill Insurance Exchange members, SSAs will be established at a later date upon the Exchange’s achieving underwriting profitability. Details on how the SSA works are spelled out in the that the member is required to sign and return.
Once the account is established, the member will be able to monitor their balance however, they will not be able to access their balance until they leave the Exchange and are no longer a member. Accounts cannot lose value in the event the Exchange has an unprofitable year. Distribution of fund balances is at the sole discretion of the AIF but must be pre-approved by the Florida Office of Insurance Regulation .
Will State Of Florida Assessments Be Added To Tower Hill Insurance Exchange Policies
As an admitted carrier in the State of Florida, the Exchange is subject to the same potential assessments from FIGA, the FHCF, and Citizens Property Insurance Corporation as all other Florida admitted insurers. Therefore, all Exchange members will have any assessments levied by these entities added to their policy.
However, as an Exchange subscriber, your liability to the Exchange is limited to the costs of your insurance, including premium and surplus contribution, for your policy. You cannot be assessed for any premium shortfalls incurred by the Exchange.
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Will My Tower Hill Policy Coverages Change With Tower Hill Insurance Exchange
While your Exchange policy contains comparable coverage to your prior Tower Hill policy, we have made some coverage changes. For specific coverages included in your policy, please refer to your individual Declarations Page and Coverage Comparison chart that will be included with your policy offer. Please contact your insurance agent with coverage-related questions or to make policy changes.
Tower Hill Multiple States
Tower Hill Specialty is a reasonably new, niche division under the Tower Hill brand. Tower Hill Specialtys purpose is to provide competitive rates and excellent service for the specialty property market. Tower Hill Specialty offers coverage for:
- Homes on stilts
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 Insurance Login
Tower Hill Insurance policyholders can make payments, view policy/coverage information, review payment history/payment plan details, and more by creating an online account. This page details how to register an account, reset your password, file a claim, make a payment, and more.
Is Tower Hill Insurance Right For You
If you own a high-value home in Florida, Tower Hill offers coverage tiers that may help you retain the value of your property if it is damaged. But what makes Tower Hill especially appealing is its addition of flood insurance, which may be added as an endorsement or purchased separately. The fact that Tower Hill’s coverage goes beyond what’s available via an NFIP plan, and can be paid for as an addition to your home insurance on one invoice, sets it apart from other insurers’ offerings.
With the risks of coastal living in the Sunshine State known for its vulnerability to hurricanes and tropical storms Tower Hill could be a solid option with local expertise. But if the price isnt right, continue comparing homeowners insurance rates. The best way to find affordable rates is to compare quotes from as many insurance companies as possible.
Save an average of $440 a year by comparing your options.
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Tower Hill Insurance Review
Credible StaffUpdated August 15, 2022
Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. By refinancing your mortgage, total finance charges may be higher over the life of the loan. Credible Operations, Inc. NMLS # 1681276, is referred to here as “Credible.”
In 1972, Tower Hill Insurance began as a small Southern Florida insurance agency. Under Tower Hills founding family , 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 theyre expanding into more states with their Specialty offering.
Heres everything you need to know about Tower Hill insurance:
Whats A Subscriber Savings Account
As an owner, you will receive a personal savings account, known as a Subscriber Savings Account , that will grow with the success of Tower Hill. This account will be established at a future date contingent upon the Exchanges profitability and provides value to you when the company grows and prospers.
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Tower Hill Insurance Discounts And Reward Programs
THIG offers fewer discounts than most home insurance providers. These discounts may vary, so consult your insurance agent or insurance agency to see which discounts you qualify for.
Enroll in more than one Tower Hill insurance policy to earn a small discount.
If you havent made a claim in the last three years, you can expect a lower premium.
Pay your premium in one payment and youre good for the year, in addition to getting a small discount.
If you lower your risk by equipping your home with a central fire and smoke alarm, burglar alarm, deadbolts, or a fire extinguisher, Tower Hill offers small discounts that can help lower your rate.
If I Have A Question About Policy Billing Or Need To Report A Claim Whom Should I Contact
Tower Hill Insurance Exchange still has the same management team and strong member service that Tower Hill has been providing to customers for 50 years! Please contact our Customer Service Center at 342-3407) with questions about billing or to report a Claim. If you need emergency repair services, such as water extraction or roof tarping, contact CastleCare at for assistance 24/7. CastleCare is an exclusive benefit available for Exchange members and Tower Hill customers.
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Enroll In Online Access
Step 1 Go to the main sign-in page and then click the Create Account link. You will be taken to the five-step registration form.
Step 2 Enter your policy number, agent ID, and ZIP code into the input fields. Click the continue button to move on to the next step.
Step 3 Create your account profile and security verification credentials.
How To Log In
Step 1 Go to the homepage and then click the Customer Login link in the top menu .
Note: You can also click the login button at the top of this page to go directly to the sign-in page.
Step 2 Enter your user ID and password, then press the Login button to sign in to your account.
Forgot Password On the main sign-in page, click the Forgot Password link. Enter your user ID and then verify your identity to have your password sent to your email address.
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Introducing Tower Hill Insurance Exchange
Tower Hill Insurance is pleased to announce the formation of its newest risk-bearing entity, Tower Hill Insurance Exchange . The Exchange is a reciprocal insurer whereby the policyholders, also known as members, insure each other and share in the underwriting profits generated via subscriber savings accounts.
Tower Hill Home Insurance Coverage Options
For homeowners insurance, Tower Hill offers two coverage tiers. The best tier for you depends on your needs as a homeowner, including your property details and your home’s overall value.
The basic tier is Tower Hills standard home insurance policy. This coverage is in line with many other companies’ homeowners policies. It offers common coverages you might find while comparison-shopping: it is essentially an .
- : Coverage A protects the structure of your home with replacement cost value.
- : Also known as Coverage B, this safeguards property that is detached from your home, like a shed or garage.
- : If youre liable for damage to someone elses property or if someone sues you after suffering a bodily injury on your property, liability coverage is to be used as a method of defense and helps cover expenses, like legal costs.
- : Coverage C protects the contents of your home, including valuables like electronics and furniture. Policyholders can choose to add a “personal articles” endorsement to safeguard high-value items like jewelry and antiques.
- : If you can no longer live in your home due to a covered loss, Coverage D will cover your living expenses if you need to temporarily relocate.
High-value home coverage
This coverage tier offers extra protection for customers with . Tower Hill Insurance Group offers two programs for those seeking more comprehensive coverage. Here are the key coverage differences between the company’s Prime Plus and Spire programs.
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Company History & Overview
Tower Hill Insurance Group opened in 1972 as a small insurance agency in Miami, Florida, then called Mobile Home Insurance Associates. Founded by W.T. Shively, the company is still owned by his family, and is now one of Floridas largest residential property insurance companies.
Tower Hill insures over 1.7 million clients and expanded into a group of companies, currently employing 400 full-time workers. More than 850 insurance agencies across the State of Florida represent their brand.
In 1980, Tower Hills corporate offices relocated to Gainesville, Florida, and in 1987, they partnered with Omega Insurance Company. When Hurricane Andrew devastated Florida, especially the Miami area, in 1992, homeowners insurance was never more important. The company was there to help with thousands of claims.
The company changed its name in 1995 to Tower Hill Insurance Group, Inc. and the following year, moved the corporate headquarters to its current location.
In 2009, Tower Hill partnered with Royal Palm Insurance Company and was purchased by Tower Hill Signature two years later. Tower Hill Preferred merged with Hillcrest Insurance in 2010. Surviving the would-be apocalypse in 2012, Tower Hill celebrated four decades of business that year.
Tower Hill Personal Insurance Products
Regardless of the size, style, or neighborhood, your home is your sanctuary and one of your most significant investments. Tower Hill has your home covered in all areas, from dwelling to fire. All plans include insurance for your property and its content, as well as liability coverage which is actually not the norm for a majority of homeowners policies.
Coverage A is required dwelling insurance and you may also want some extras, depending on your needs. Ask your about the Tower Hill Emerald Endorsement, which offers a package of enhancements.
Protect your belongings in the event of a fire or burglary. Policies include liability coverage for mishaps that take place inside your condo. If you own a condo, you should insure the contents of your home such as clothing, collectibles and furniture, in addition to appliances, cabinetry, and plumbing.
Condo associations may be responsible for the units floor, ceiling and bare walls. It is important to know clearly where their responsibility ends and yours begins. Additional coverage is available for your condos building items to insure a greater array of events or lifestyle, such as Golf Cart Coverage.
Landlord, or dwelling fire policies are ideal for single-family homes or duplexes that are considered rentals, and not occupied by the owner.
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