Tower Hill Specialty

As a niche provider of specialty personal lines property insurance, Tower Hill Specialty offers residential insurance coverage for risks that are often underserved by conventional national carriers.

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Why Tower Hill Specialty?

Tower Hill Specialty is committed to providing excellent claims service and ensuring ease of use for both our strategic partners and policyholders. Our targeted programs provide access to a market specializing in often challenging-to-place risks. This allows producers the opportunity to focus on their primary product lines and helps drive higher overall customer retention.

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 midcentury or earlier may have experienced multiple claims, we provide actual cash value settlement with replacement cost as an option in most programs. Comprehensive Personal and Premises Liability with limits up to $500,000 is available.

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 perilsComprehensive; water included
LiabilityComprehensive personal or premises up to $500KComprehensive personal or premises up to $500K
Fire PCAny protection class (incl. 9 & 10)Any protection class (incl. 9 & 10)
Prior claimsMultiple claims acceptableMultiple 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
CoverageComprehensive MHO
LiabilityComprehensive personal or premises up to $500K
Fire PCAny protection class (incl. 9 & 10)
Prior claimsMultiple claims eligible for consideration
Loss settlementStated value with replacement cost optional

Homeowners

GuidelinesHO3 Program
Age of home80 years of age and newer
Home valueUp to $750K
Occupancy typeOwner-occupied and seasonal; occasional rental coverage available
CoverageComprehensive
LiabilityComprehensive personal or premises up to $500K
Fire PCAny protection class (incl. 9 & 10)
Prior claimsMultiple claims eligible for consideration
Loss settlementReplacement cost for home and other structures; ACV for contents with replacement cost optional

Interested?

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MAILING

PO Box 147018
Gainesville, FL 32614

PHONE

888.795.7256

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