Actual Cash Value vs. Replacement Cost

August 15, 2026 | Tower Hill Insurance

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When it comes to homeowners insurance, understanding how your household belongings are valued after a covered loss can make a big difference. Two common methods are Actual Cash Value (ACV) and Replacement Cost (RC).

So, what’s the difference between Actual Cash Value and Replacement Cost? And how could each affect the amount you receive from an insurance claim? Let’s take a closer look.

When it comes to homeowners insurance, understanding how your household belongings are valued after a covered loss can make a big difference. Two common methods are Actual Cash Value (ACV) and Replacement Cost (RC).

So, what’s the difference between Actual Cash Value and Replacement Cost? And how could each affect the amount you receive from an insurance claim? Let’s take a closer look.

Fall Home Maintenance

September 19, 2025 | Tower Hill Insurance

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It’s that time of year in Florida! When you take a break from cheering on your favorite football team, consider tackling some of these fall home improvement projects. As the temps become chillier and the daylight hours grow even shorter, you’ll be glad to have checked these items off your to-do list!

It’s that time of year in Florida! When you take a break from cheering on your favorite football team, consider tackling some of these fall home improvement projects. As the temps become chillier and the daylight hours grow even shorter, you’ll be glad to have checked these items off your to-do list!

Damaged Florida home

How Do You Manage Major Repairs and Restoration?

April 11, 2025 | Tower Hill Insurance

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Major renovations on your home, or repairing and rebuilding after a storm, can be challenging tasks. Here are some tips on how to manage home repairs, work with contractors, and handle common issues after you have hired a contractor.

Major renovations on your home, or repairing and rebuilding after a storm, can be challenging tasks. Here are some tips on how to manage home repairs, work with contractors, and handle common issues after you have hired a contractor.

man cleaning gutters

How Often Should You Clean Your Gutters?

March 20, 2025 | Tower Hill Insurance

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Wondering how often you should clean out your gutters? Experts recommend cleaning them at least twice a year, typically in the spring and fall.

If you have overhanging trees or frequent storms, clean them more often. This helps prevent clogs, roof leaks, and water damage. Neglecting your gutters can lead to costly repairs, including mold growth and foundation issues.

Wondering how often you should clean out your gutters? Experts recommend cleaning them at least twice a year, typically in the spring and fall.

If you have overhanging trees or frequent storms, clean them more often. This helps prevent clogs, roof leaks, and water damage. Neglecting your gutters can lead to costly repairs, including mold growth and foundation issues.

Holiday Safety for Guests

November 26, 2024 | Tower Hill Insurance

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Here are some last minute tips to make your holiday guests feel welcome and safe.

Here are some last minute tips to make your holiday guests feel welcome and safe.

Storm debris on street

How to Check for Damage and Clean Up After a Storm

October 10, 2024 | Tower Hill Insurance

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As soon as the storm has passed (and it’s safe to get outside), it’s a good time to inventory the damage to your home and begin to clean up debris.

As soon as the storm has passed (and it’s safe to get outside), it’s a good time to inventory the damage to your home and begin to clean up debris.

Here For You.

Behind the Scenes: How Tower Hill Prepares for Hurricane Season

October 9, 2024 | Tower Hill Insurance

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Here are just a few ways we stay committed to our members, policyholders, and agents before, during, and after the storm.

Here are just a few ways we stay committed to our members, policyholders, and agents before, during, and after the storm.

Old roofs on Florida homes

Retrofitting Your Older Home

August 21, 2024 | Tower Hill Insurance

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Do you own a home built before 2002? You could benefit from retrofitting your home to make it stronger and save money in the process!

Do you own a home built before 2002? You could benefit from retrofitting your home to make it stronger and save money in the process!

Home with tarped roof

Claim FAQs

August 31, 2023 | Tower Hill Insurance

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Find answers to frequently asked questions about selecting a contractor, repairs, claim payments, deductibles, reimbursements for additional living expenses, and more.

Find answers to frequently asked questions about selecting a contractor, repairs, claim payments, deductibles, reimbursements for additional living expenses, and more.

VIDEO: Ordinance or Law Coverage

July 25, 2023 | Tower Hill Insurance

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What exactly is Ordinance or Law coverage, and why is it important to your homeowners policy?

What exactly is Ordinance or Law coverage, and why is it important to your homeowners policy?