Tower Hill Specialty

At Tower Hill Specialty, we believe that every risk—whether it’s a traditional dwelling, a manufactured home, or a hard-to-place risk—deserves reliable protection.

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Why Tower Hill Specialty?

Our goal is to bring peace of mind to homeowners through financial strength, offering best-in-class customer-first insurance solutions tailored to both niche and standard monoline markets. Product offerings include Homeowners (HO3), Manufactured Homes (MHO), and Dwelling Fire (DP1 & DP3).

Our commitment to exceptional service, underwriting expertise, and our forward-thinking approach fuels our growth and ensures we’re always ready to meet the evolving needs of our policyholders and partners.

Tower Hill Specialty, LLC is a subsidiary of Tower Hill Insurance Group, LLC. Founded in 1972, Tower Hill Insurance is a leader among residential and commercial property insurers in the Southeast. Tower Hill Prime Insurance Company holds a Financial Stability Rating of A (Exceptional) from Demotech, Inc. as of July 2025.

Financial Strength

Service Excellence

Growth

Products

Tower Hill Specialty offers a range of coverages for homes valued up to $750,000, including seasonal and rental occupancies. Coverage is also available for vacant homes valued up to $1 million.

Recognizing that homes built mid century or earlier may have experienced multiple claims, we provide actual cash value loss settlement with replacement cost as an option in most programs. Comprehensive Personal and Premises Liability coverages are available with limits up to $500,000. Please note product availability will vary by state.

Dwelling

GuidelinesDP1 ProgramDP3 Program
Age of homeNo restrictions80 years of age and newer
Home value & occupancy typeUp to $500K for owner-occupied; seasonal; rental
Up to $1M for vacant homes
Up to $750K for rental
Up to $1M for seasonal and vacant
CoverageNamed peril coverageOpen peril coverage
LiabilityLimits up to $500,000 availableLimits up to $500,000 available
Fire PCAll protection classes eligibleAll protection classes eligible
Prior claimsMultiple claims eligible for considerationMultiple claims eligible for consideration
Loss settlementActual cash value (ACV)Replacement cost for home and other structures; ACV for contents with replacement cost optional

Manufactured

GuidelinesMHO Program
Age of homeNo restrictions
Home valueUp to $300K
Occupancy typeOwner-occupied; seasonal; rental; and vacant; occassional rental coverage available
CoverageOpen peril coverage
LiabilityLimits up to $500,000 available
Fire PCAll protection classes eligible
Prior claimsMultiple claims eligible for consideration
Loss settlementReplacement cost for homes up to 30 years old; actual cash value for homes over 30 years old

Homeowners

GuidelinesHO3 Program
Age of home80 years of age and newer
Home valueUp to $750K
Occupancy typeOwner-occupied and seasonal; occasional rental coverage available
CoverageOpen peril coverage
LiabilityLimits up to $500,000 available
Fire PCAll protection classes eligible
Prior claimsMultiple claims eligible for consideration
Loss settlementReplacement cost

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MAILING

PO Box 147018
Gainesville, FL 32614

PHONE

888.795.7256

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