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
| Guidelines | DP1 Program | DP3 Program |
|---|---|---|
| Age of home | No restrictions | 80 years of age and newer |
| Home value & occupancy type | Up 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 |
| Coverage | Named peril coverage | Open peril coverage |
| Liability | Limits up to $500,000 available | Limits up to $500,000 available |
| Fire PC | All protection classes eligible | All protection classes eligible |
| Prior claims | Multiple claims eligible for consideration | Multiple claims eligible for consideration |
| Loss settlement | Actual cash value (ACV) | Replacement cost for home and other structures; ACV for contents with replacement cost optional |
Manufactured
| Guidelines | MHO Program |
|---|---|
| Age of home | No restrictions |
| Home value | Up to $300K |
| Occupancy type | Owner-occupied; seasonal; rental; and vacant; occassional rental coverage available |
| Coverage | Open peril coverage |
| Liability | Limits up to $500,000 available |
| Fire PC | All protection classes eligible |
| Prior claims | Multiple claims eligible for consideration |
| Loss settlement | Replacement cost for homes up to 30 years old; actual cash value for homes over 30 years old |
Homeowners
| Guidelines | HO3 Program |
|---|---|
| Age of home | 80 years of age and newer |
| Home value | Up to $750K |
| Occupancy type | Owner-occupied and seasonal; occasional rental coverage available |
| Coverage | Open peril coverage |
| Liability | Limits up to $500,000 available |
| Fire PC | All protection classes eligible |
| Prior claims | Multiple claims eligible for consideration |
| Loss settlement | Replacement cost |
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MAILING
PO Box 147018
Gainesville, FL 32614
PHONE
888.795.7256
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