Tailored Coverages
and Risk Management
Programs Designed
for Peace of Mind

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  • Overview

    Our high value home programs provide the flexibility in coverage options you want, backed by the financial strength of an A.M. Best A- Rated insurance company. Tower Hill has been protecting homes since 1972 and provides customers with exceptional products, outstanding service, and, most importantly, peace of mind.

  • Customer Care

    Tower Hill is committed to providing exceptional service to our High Value Home policyholders with a Customer Care Team dedicated exclusively to the program’s customers. Customer Care Representatives are available to assist with routine billing or policy questions, as well as claims handling and status inquiries.

  • Risk Management

    Interior and exterior inspections are conducted on all homes. Specific recommendations based on the home inspection will be provided to customers. Also, Tower Hill will offer loss prevention tips and additional resources to help assist in the ongoing care for the home. Recommendations for vendors specializing in necessary services are also available.

Q&A: Tower Hill’s High Value Home Program

Shaun Murphy, Pablo Beach Insurance Group

What type of home typically qualifies for Tower Hill’s High Value Home Program? What can a high net worth client expect from Tower Hill? Pablo Beach Insurance Group’s Shaun Murphy answers some common questions about Tower Hill’s High Value Homeowners product, the Imperial Shield Program.

Rebuild Costs vs. Market Value

Jason Sullivan, Foundation Insurance of Florida

Today, more than ever, having a licensed insurance professional help to simplify the complexity of buying homeowners coverage is critically important. As we rebuild in the aftermath of Hurricane Irma, customers often want to understand exactly how insurance carriers determine the rebuild cost of a home.

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Q&A: Tower Hill’s High Value Home Market

Shaun Murphy, Pablo Beach Insurance Group

  • What typically is considered or can qualify for Tower Hill’s High Value Home program?
  • What are some of the basics of the coverage package and special considerations?
  • What can the High Value client expect from the claims experience with Tower Hill?
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Imperial Shield for High Value Homes

With its climate and expansive coastlines, Florida offers many advantages for residents, even for seasonal and secondary homeowners. However, there is often a gap between the coverages available in standard insurance policies and the options required for larger, more expensive homes. Tower Hill’s Imperial Shield Program is designed to bridge that gap and provide a range of coverages to choose from, depending on your individual needs.

Flexible Coverage Options

Typical CoverageImperial Shield
Extended Replacement CostNot Included20% up to 50% for dwelling, other structures, and contents
Other Structures2%; 0% up to 70% of dwelling by endorsement10%; 0% up to 70% of dwelling by endorsement
Personal Property
25% up to 70% of dwelling25% up to 70% of dwelling
Scheduled Personal PropertyNot IncludedUp to 50% of contents up to $1 million
Additional Living Expenses (ALE)Up to 20% of dwellingUp to 30% of dwelling
Loss Assessment$1,000Up to $50,000 available
Landscaping5% of dwelling; $500 per item5% of dwelling; $2,500 per item
Debris RemovalUp to 5% over dwelling limitUp to 10% over dwelling limit
Credit Card, Forgery, & Counterfeit Money$500$10,000
Identity Fraud Expense CoverageNot Included$15,000

Deductible Options

Typical CoverageImperial Shield
All Other Perils (AOP)Up to $5,000Up to $50,000
AOP Deductible WaiverNot AvailableAvailable for large losses above $50,000

Liability Options

Typical CoverageImperial Shield
Personal Liability$100,000$500,000; $1 million available
Animal Liability$25,000Up to Personal Liability Limit
Diving Board & Pool
Slide Liability
Trampoline Liability$25,000$100,000

Loss Prevention Tips for the High Value Homeowner

Water Damage

  • Replace the supply lines to your sinks, toilets, washing machine, refrigerators, dishwashers, and other appliances if they are more than eight years old. They may look fine on the outside, but corrosion inside can cause a burst pipe. Braided stainless steel supply lines cost approximately $15 and can save you your deductible and thousands of dollars in damage.
  • Install a water shut-off device. In leak prone areas in your kitchen, bathroom, and laundry room, these devices can automatically turn off the water supply when they detect moisture. The alarm can alert you immediately to a pipe break and prevent thousands of dollars of damage.

Fire Damage

  • Test your smoke alarms biannually and change the batteries. Have your family practice a fire drill to ensure everyone knows safe escape routes from any part of the home.
  • The leading causes of fires in the kitchen is unattended cooking. Keep fire extinguishers in your kitchen and outside by any grills or fireplaces. Replace unused fire extinguishers every 15 years.
  • Ask your security and fire alarm company to perform annual checks of your systems.
  • If a circuit breaker in your electrical panel repeatedly trips, call a licensed electrician to inspect the wiring in your house.

Theft Losses

  • Change all of your locks before you move in.
  • Update your security system’s passkey, and contract with a 24/7 home security monitoring service that you know and trust.
  • Avoid posting on social media sites information that might tip criminals to you being away from your home on vacation or business.
  • Only use secure websites to transact purchases with credit cards, and never provide your password information over the phone or email.
  • Enroll in a reputable identity theft protection service, which will monitor your bank and credit card accounts, as well as alert you to loan and credit applications made in your name.

Roof Damage

  • Composition shingles average 12-15 years life expectancy before repair or replacement is needed. Tile and metal roofs can last much longer but require annual maintenance to keep them watertight.
  • Have your roof and gutters inspected each spring. Leaves and other debris can collect and cause water to back up under the shingles. Annual maintenance of your roof can head off major problems when the wind blows or the rain falls.
  • Trim any branches that are hanging over the roof to prevent damage and keep vermin away.

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