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.
Learn More ↓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
| 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 perils | Comprehensive; water included |
| Liability | Comprehensive personal or premises up to $500K | Comprehensive personal or premises up to $500K |
| Fire PC | Any protection class (incl. 9 & 10) | Any protection class (incl. 9 & 10) |
| Prior claims | Multiple claims acceptable | 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 |
| Coverage | Comprehensive MHO |
| Liability | Comprehensive personal or premises up to $500K |
| Fire PC | Any protection class (incl. 9 & 10) |
| Prior claims | Multiple claims eligible for consideration |
| Loss settlement | Stated value with replacement cost optional |
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 | Comprehensive |
| Liability | Comprehensive personal or premises up to $500K |
| Fire PC | Any protection class (incl. 9 & 10) |
| Prior claims | Multiple claims eligible for consideration |
| Loss settlement | Replacement 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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