Protecting Florida's homes since 1972

"I would recommend Tower Hill to anyone that needs insurance, and who doesn't?"

Stella - Pensacola, FL

  • Homeowners
  • Mobile Home
  • Condo
  • Renters
  • Rental Property
  • Flood
  • Mobile Home Parks
  • Self Storage
  • Homeowners Assoc.
  • Office & Retail
  • Hotels & Motels

Florida Homeowners Insurance

No matter the square footage, location or architecture, your home is your castle. It may be one of your largest financial investments on paper, but we understand that it's so much more in all the ways that really count.

Your home is where you and your family should feel safe, protected and confident that, if the unthinkable happens, Tower Hill will be there to help you rebuild. When your home truly feels like your castle again to you, we know we've succeeded as your insurance company.   More

Mobile Home

Tower Hill originally opened its doors by protecting mobile homes in the Miami area. We know the dangers that mobile homes are exposed to in Florida's weather. We also know what it takes to rebuild.

When storm clouds come to Florida's shores, you can rest easily knowing that you have the Tower behind you, protecting your home and your belongings. After nearly 40 years of protecting Florida's mobile homes, we've helped thousands rest well knowing we have their back.   More


Many condo owners think that their condominium association's insurance will keep them covered in the event of a catastrophe. Look around the walls of your condo. In many cases, what's outside those walls is what the condominium association covers. Of course, Tower Hill knows that what is inside those walls is what is most important to our customers.

Tower Hill offers condo insurance that covers your belongings in the event of a fire or burglary, and liability for accidents that occur in your home. Click to learn more about ways in which your condo may not be covered, and how to fill gaps in your coverage at low cost.   More


You don't own the building, but you own all your possessions inside it! Disastrous weather and theft can rob you of your belongings, which are probably worth more than you think.

Renters insurance also covers your liability if someone injures themselves in your home. Learn more about the liabilities you have as a renter, and how to get the best coverage for the best price.   More

Rental Property

A fire in the home can be a frightening experience. Even when the family is safe, oftentimes many of your most valuable possessions will be unrecoverable. This is not the time to realize you have no coverage to help get your life back on track.

To build from the ashes of a dwelling fire, Tower Hill offers dwelling fire insurance to tenant-occupied homes. Learn more about the risk of a dwelling fire in Florida and how easy it is to secure coverage.   More


With such low elevations and so many ways for water to reach your home, it isn't surprising that floods are by far the most costly natural disaster in Florida. What may be surprising is that flood damage is not covered in home insurance policies. In fact, nearly two-thirds of all the flood insurance policies required by the National Flood Insurance Program are in Florida.

For most Floridians, flood insurance is must-have coverage to protect their homes and possessions. Don't wait until it's too late to consider what you may have at risk in a potential flood catastrophe. Learn the facts and protect yourself.  More

Mobile Home Parks

When storms hit Florida, mobile home parks are often hit the hardest. Tower Hill has been protecting park owners for nearly 40 years, standing strong through devastating hurricanes such as Andrew and Charley. The same strength that has helped us serve homeowners also makes us your best bet in the coverage of mobile home parks and other manufactured housing developments.

With a Tower Hill policy protecting your park, you can be covered for everything from a loss on a park-owned unit or the clubhouse to liability for injuries on premises. You want a partner who understands how to protect Florida's mobile home parks. Tower Hill is that partner.   More

Self Storage

Your self-storage business is built on the trust customers have to leave their eggs in your company's basket. Customers need to feel the security that comes from knowing their property is going to be safe. Fortunately, Tower Hill has been in the business of providing security for Floridians' property for nearly 40 years.

With the Tower covering your business, you are covered for the accidental loss of customer property, as well as many of the losses that can occur to your business property itself. After all, Tower Hill was built on our ability to provide peace of mind for customers by covering their property. Find out how you can buy into that promise to extend Tower Hill's strength to your self-storage facility.   More

Homeowners Associations

Florida's population is always growing, and homeowners associations play a big part of putting families in homes. Families in Florida have been looking to Tower Hill to provide security and peace of mind for their homes for decades, and that same peace of mind can help cover homeowners associations, too.

Tower Hill supports Florida's homeowners associations with competitive coverage for everything from community owned property to liability exposures. Working together, we can provide a solid foundation for Florida's communities to grow.   More

Office & Retail

Whether it houses your company, or is rented out to others, your office or retail space should have all the security of a home. After all, businesses are built on efficiency, and any bump in the road can mean a potential loss of revenue. That's why Tower Hill provides office and retail policies that are tailor-fit to your office space.

With Tower Hill providing care for the unforeseen losses that can occur, you can look ahead to building your business. We'll do what we do best and minimize bumps in your road, to help keep your business running smoothly.   More

Hotels & Motels

Whether you run a four-star beachside resort or a small highway motel, anything can happen. With all the responsibility of running a 24/7 business, these risks can be pretty staggering. That's why you need a partner who is among the highest-rated insurers for hotels and motels in the State of Florida.

Tourism is Florida's number one industry, so you can believe Tower Hill is serious about offering top-rate coverage for our state's hotels and motels. We want to see your business flourish, and bring more visitors to our beautiful state.   More

Get a Quick Quote

Popular Links

News Alert

Tower Hill unaffected by Heartbleed vulnerability

April 14, 2014

On April 8, 2014, security researchers announced a flaw in the OpenSSL encryption software library used by many websites to protect customers’ data. The vulnerability, known as "Heartbleed," could potentially allow a cyberattacker to access a website's customer data along with traffic encryption keys.

Tower Hill's server administrators have conducted a thorough review and confirmed that Tower Hill was not impacted by the Heartbleed vulnerability.

...Read More