Tower Hill Insurance Review & Ratings (2024)

The comprehensive guide on Tower Hill Insurance provides a thorough overview of the company’s offerings, coverage options, pricing, and customer reviews. Tower Hill Insurance, primarily serving Florida residents, extends coverage for homeowners, condos, renters, and flood insurance.

The company is well-established, holding an A+ rating from the Better Business Bureau. The article details the coverage provided by Tower Hill for homeowners, including flexible options and add-ons like the Emerald endorsement. It explores the pricing factors and encourages potential policyholders to shop around for the best rates.

The guide delves into the user-friendliness of the Tower Hill website, the claims process, and the digital features offered by the company, such as a mobile app and online account management. Customer reviews, ratings, and the company’s history are also covered, presenting a well-rounded perspective.

Additionally, the article introduces key competitors in the insurance market and concludes by highlighting Tower Hill’s strengths, limitations, and its competitive standing in the industry.

What You Should Know About Tower Hill Insurance

Welcome to our comprehensive guide on Tower Hill Insurance. In this article, we will explore everything you need to know about Tower Hill Insurance, including its coverage options, customer reviews, pricing, and more. Whether you’re looking for homeowners insurance, renters insurance, or flood insurance, we’ve got you covered.

We’ll also provide valuable insights and tips to help you make an informed decision about your insurance needs. To find the best rates and coverage from the top insurance providers in your area, enter your zip code below and get your free quotes now. Don’t miss out on the opportunity to protect your home and belongings with Tower Hill Insurance.

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Who is Tower Hill Insurance?

The Tower Hill Insurance Group traces its roots back to 1972 when it was originally known as Mobile Home Insurance Associates. It merged with Omega Insurance in 1987 before reinventing itself as Tower Hill Insurance in 1997. Tower Hill has continued to grow since then. There are now over three Tower Hill Insurance Group companies, including Tower Hill Specialty and Tower Hill Preferred.

It is important to note that Tower Hill Insurance Group only provides policies to Florida residents. Now, if you live in Florida and would like a quote from this company, you’ll be pleased to learn that you can acquire quotes directly from the Tower Hill Insurance website. Additionally, you can contact Tower Hill at 1-352-332-8800 to learn more about this homeowners insurance company.

Tower Hill Insurance Coverage Options

Homeowners insurance with Tower Hill will cover a single-family or duplex residence, as long as that house can be covered under a standard policy. Tower Hill offers flexible homeowners insurance depending on the size of your house, the types and amounts of coverage you need, and additional coverage options.

The comprehensive coverage with Tower Hill homeowners insurance covers both the replacement of the home and the replacement of personal property, additional structures, and liability. If you are interested in add-ons with Tower Hill homeowners insurance, you can speak to an independent agent about Tower Hill’s Emerald endorsement, which carries a number of enhancements.

Tower Hill advises that every potential policyholder speaks with an agent to learn how much coverage is appropriate for a home and to help with anything else in the insurance-buying process.

What insurance coverage does Tower Hill Insurance provide?

The Tower Hill website doesn’t provide much detail about the coverages offered with a Tower Hill home insurance policy, but typical homeowners insurance coverage includes:

• The structure of your home
• Personal property
• General liability
• Additional living expenses

These are standard yet very important coverages. For example, if you didn’t have homeowners insurance in Gainesville, Florida, you would have to pay for repairs out of pocket if your home were to catch fire or be struck by lightning. It is important to note that Tower Hill Insurance specifically states that flood damage isn’t covered by its standard home insurance policy.

A good tip to remember when shopping for homeowners insurance is to always check to determine what losses are excluded from your policy, so that you will know exactly when you can file a claim.

Now, if a covered loss damages items in your home, you can use your personal property coverage to replace those items. Some insurance companies, but not all, will allow you to replace those items at their original value, so you should also check before signing your name on the dotted line.

Your liability coverage is also incredibly important because although it can’t protect you from a natural disaster, it can safeguard you from other people. For instance, if you are having a party and someone falls down your stairs, that person could file a claim against your insurance company to pay for their medical bills. If you don’t have coverage, that person could file a lawsuit against you in order to recoup what they expend on their injuries.

Last on the list is additional living expenses, which can help you cover the costs of living in a temporary space and even purchase food until repairs have been made to your home if a covered loss damages it.
In addition to homeowners insurance, Tower Hill also provides condo, renters, and mobile home insurance policies.

What else does Tower Hill offer?

In addition to homeowners insurance, Tower Hill offers the following coverage options:

• Condo
• Renters
• Flood
• Mobile home
• Watercraft
• Equipment breakdown

With many of these insurance coverages, Tower Hill includes add-ons you may be interested in.

Tower Hill Insurance Rates Breakdown

Tower Hill offers quotes for homeowners insurance on the company’s website, but the rates differ dramatically based on the area you live in. Keep in mind that Tower Hill only offers homeowners insurance in the state of Florida.

If you are in Florida and want to get a quote, Tower Hill will use your ZIP code to generate a basic quote for your home. But if you’re in a different state and you’re curious how much you can expect to pay for homeowners insurance, see the table below for your state’s average annual homeowners insurance rates.

Home Insurance Monthly Rates by State

State	Monthly Rates
Alabama	$119
Alaska	$80
Arizona	$69
Arkansas	$114
California	$84
Colorado	$125
Connecticut	$123
Delaware	$69
Florida	$163
Georgia	$106
Hawaii	$92
Idaho	$61
Illinois	$88
Indiana	$83
Iowa	$80
Kansas	$132
Kentucky	$92
Louisiana	$164
Maine	$74
Maryland	$86
Massachusetts	$124
Michigan	$79
Minnesota	$112
Mississippi	$128
Missouri	$107
Montana	$98
Nebraska	$123
Nevada	$63
New Hampshire	$81
New Jersey	$99
New Mexico	$85
New York	$109
North Carolina	$91
North Dakota	$104
Ohio	$72
Oklahoma	$157
Oregon	$56
Pennsylvania	$78
Rhode Island	$129
South Carolina	$106
South Dakota	$100
Tennessee	$100
Texas	$158
Utah	$58
Vermont	$77
Virginia	$83
Washington	$71
Washington, D.C.	$103
West Virginia	$78
Wisconsin	$65
Wyoming	$96
U.S. Average	$101

Keep in mind that the rates listed above will vary quite a bit based on a number of factors, including:

• Where you live
• The price of your home
• The amount of coverage you want
• Your home’s age and condition
• Your credit score
• Your deductible

There are a few things you can do in your area to find cheap home insurance while still getting the coverage you’re looking for. If you want to have a more specific baseline for how much you can expect to pay for homeowners insurance, use an online quote tool with your ZIP code to get started on your research.

Does Tower Hill Insurance sell car insurance?

If you are hoping to combine your auto and homeowners insurance in Panama City, Florida, you’ll need to look for a different insurance company. You won’t be able to purchase car insurance through Tower Hill, as it only sells residential insurance to individuals. If you need to buy car insurance, you can plan your budget by reviewing the average auto insurance rates in your state:

Average Annual CarInsurance Rates by State

Remember that every driver will be offered a different rate, as insurance companies send every application through an underwriting process. This process reviews your insurance history, credit score, and driving record to determine how much risk you pose to the company. If you have an unfavorable driving history, you may encounter higher rates. On the other hand, you may be offered lowered rates if you have a pristine driving record and a high credit score.

Does Tower Hill Insurance offer competitive rates?

While you can procure a free quote from the Tower Hill Insurance Group website, you won’t be able to find sample rates on the site. However, you can compare a quote from Tower Hill to the average rate of Florida home insurance policies, which is $1,353 per year.

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Tower Hill Insurance Discounts Available

Unlike some of the best insurance companies in the business, you won’t be able to find a list of insurance discounts on the Tower Hill Insurance Group website. When you shop for home insurance online, you can use this list of common home insurance discounts as a guide to ensure that you aren’t being excluded from any money-saving opportunities:

Common Home Insurance Discounts

You can also save money by shopping around for insurance. Request quotes from at least three different companies to verify that you are receiving the best deal possible.

Understanding Tower Hill Insurance’s Claims Process

Ease of Filing a Claim

Tower Hill Insurance offers a user-friendly claims process that allows policyholders to file claims conveniently. Customers can choose to file claims online through the company’s website, over the phone, or by using mobile apps. This flexibility in filing options ensures that policyholders can select the method that suits their preferences and needs.

Average Claim Processing Time

The average claim processing time with Tower Hill Insurance is an important factor for policyholders seeking prompt resolution of their claims. While specific processing times may vary depending on the nature and complexity of the claim, Tower Hill strives to provide efficient and timely claim handling to meet customer expectations.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is invaluable when evaluating an insurance company’s claims process. Tower Hill Insurance has garnered valuable insights from customer experiences with claim resolutions and payouts. These insights help prospective policyholders gauge the company’s commitment to customer satisfaction and its track record in handling claims effectively.

Diving Into Tower Hill Insurance’s Digital and Technological Features

Mobile App Features and Functionality

Tower Hill Insurance offers a mobile app that provides policyholders with convenient access to their insurance information and services on the go. The app includes features such as policy management, claims filing, and digital ID cards. Understanding the mobile app’s features and functionality is essential for policyholders looking to maximize their insurance experience.

Online Account Management Capabilities

Managing insurance policies online has become increasingly important in today’s digital age. Tower Hill Insurance provides online account management capabilities, allowing policyholders to access and update their policies, make payments, and view important documents through the company’s secure online portal. Understanding these capabilities can help policyholders streamline their insurance-related tasks.

Digital Tools and Resources

In addition to its mobile app and online account management, Tower Hill Insurance offers a range of digital tools and resources designed to assist policyholders. These tools may include calculators, educational materials, and resources for understanding coverage options. Exploring these digital resources can empower policyholders to make informed decisions about their insurance coverage.

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How Tower Hill Insurance Ranks Among Providers

In the competitive landscape of insurance providers, Tower Hill Insurance faces various rivals, each vying to meet the diverse needs of policyholders. Let’s delve into the main competitors, exploring their strengths, coverage offerings, and customer satisfaction.

• State Farm Insurance: State Farm’s competitive edge lies in its extensive reach, financial stability, and a reputation for excellent customer service. They boast a variety of discounts and customizable policies, making them a formidable competitor.
• Allstate Insurance: Allstate’s strength lies in its cutting-edge technology, such as the Digital Locker app for inventory management. They emphasize customer education and offer a range of discounts, positioning themselves as a tech-savvy and customer-centric choice.
• Progressive Insurance: Progressive stands out with its “Name Your Price” tool, allowing customers to find a policy that fits their budget. Their emphasis on transparency and ease of use in the online space makes them a strong competitor for those seeking simplicity.
• Geico Insurance: Geico’s competitive edge lies in its cost-effectiveness and the ability to bundle various insurance policies for additional savings. Their user-friendly online platform and 24/7 customer support contribute to a hassle-free experience.
• Liberty Mutual Insurance: Liberty Mutual differentiates itself with its personalized approach, utilizing local agents to understand and meet the unique requirements of customers. Their emphasis on comprehensive coverage and customizable policies makes them a strong competitor in the market.

While Tower Hill Insurance has its strengths, understanding the offerings and competitive advantages of key rivals like State Farm, Allstate, Progressive, Geico, and Liberty Mutual is crucial for consumers. The choice between these insurers often comes down to individual preferences, coverage needs, and the overall customer experience offered by each company.

Does Tower Hill have good ratings and reviews?

The Better Business Bureau has given Tower Hill Insurance Company an A+ rating. This is good news for any policyholder or potential customer.

While Tower Hill Insurance does have some negative reviews on the BBB website from current and former policyholders, there are no known lawsuits against the company, and a large number of the complaints have been resolved in the past 12 months.

Tower Hill Insurance Review & Ratings

Tower Hill Insurance provides home insurance to Florida residents. The average homeowner insurance rate in Florida is $1,353/year, but you can request a free quote from Tower Hill Insurance to see if you can get a cheaper rate.

Purchasing the right home insurance policy is a vital step when protecting your dwelling. If you need homeowners insurance in Lake City, FL, or in any other Florida location for that matter, you can turn to Tower Hill Insurance to obtain the coverage you need. This insurance institution has been in the business of protecting Florida homeowners for over 40 years.

Continue reading to discover if the Tower Hill Insurance Group is the right insurance company for your coverage needs.

Is Tower Hill Insurance highly rated?

Tower Hill Insurance Group is a Better Business Bureau accredited company with an A+ rating. It also has an A rating from Demotech, proving that it is a strong company with the financial integrity to pay out any claims you may need to file. If you ever need to file a claim with Tower Hill Insurance Group, you can do so via email or by calling 800-342-3407.

Is the Tower Hill website easy to use?

The Tower Hill website is simple, but it’s also user-friendly and fairly intuitive. On the company website, you can request an insurance quote, use your Tower Hill insurance login to see your specific insurance information, and more.

If you are an agent, you can use your Tower Hill Insurance agent login to help individual clients and stay up-to-date on key information with the company.

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Should I buy homeowners insurance with Tower Hill?

If you live in Florida and are in need of a homeowners insurance policy, it’s not a bad idea to contact Tower Hill to get a quote and see how much your coverage with them would be. It is advisable to continue to shop around to find reasonable and affordable coverage in your area before you decide which company you’ll purchase a policy with.

If you’re searching for homeowners insurance coverage, be sure to use our free quote tool below to find and compare rates from the best companies in your area to get started.

What You Need to Know About Tower Hill Insurance

Florida homeowners can obtain the coverage they need with a Tower Hill insurance policy. While this company may not provide many additional coverage options, you’ll be able to obtain standard coverages that can protect your home and belongings.

Now, if you don’t live in Florida and are hoping to score a home and auto discount, you’ll need to shop online for insurance, as Tower Hill Insurance Group only sells residential policies to Florida residents. When shopping online, be sure to acquire quotes from different companies so that you can compare policies and find the best deal.

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