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Tower Hill Home Insurance Review (2021)

In this Tower Hill home insurance review, we examine the provider’s plans, prices, and reputation to help you determine if the company is right for you. 

A classic home with a red front door, healthy green lawn, and flower pots. Adobe

Homeowners insurance is a financial safety net, protecting you from unexpected disasters. Instead of paying for repair, replacement, and rebuild costs fully out of pocket when your home’s structure or your personal belongings are damaged or destroyed, your homeowners insurance company will help cover the expenses so you can rest easy at night.

However, choosing the best home insurance company for your needs can be tricky. Not all homeowners insurance providers are of the same quality, and they can vary in terms of coverage, cost, availability, and more. The This Old House Reviews Team created this in-depth Tower Hill Insurance Group home insurance review to help you determine if it’s the best fit for your needs.

To ensure you get the best deal on homeowners insurance, it's always a good idea to get quotes from multiple companies. For free quotes from providers in your area, call 855-948-5219 or enter you zip code in the quote tool below:

Our Take on Tower Hill Home Insurance

Tower Hill Insurance Group is a Florida insurance company with several subsidiaries, including Tower Hill Prime, Tower Hill Preferred, and Tower Hill Signature. The insurance company offers comprehensive coverage, including catastrophic ground cover collapse coverage. With accreditation and A+ rating from the Better Business Bureau, we believe Tower Hill home insurance is a solid choice if you live in Florida. Overall, we give the company a score of 86.50 out of 100 on key metrics like coverage, cost, availability, and more.

On Tower Hill Insurance Group’s Better Business Bureau profile, complaints cite a lack of follow-up from claims adjusters. Reviews are largely positive and range from praising efficiency and professionalism to citing concerns about policy cancellations.

Pros & Cons

Compare the advantages and disadvantages of Tower Hill home insurance.

Tower Hill Pros & Cons

Pros Cons
Pros Cons
24/7 customer portal Only available in Florida
Nearly 50 years of experience Few discounts
A+ BBB rating

Tower Hill Home Insurance Coverage

Tower Hill Insurance Group offers all six forms of industry-standard protections.

Coverage

Type Description
Type Description
Dwelling + other structures Covers the cost to repair or rebuild your home, including detached structures like sheds and fences, in the event of a covered loss
Personal property Covers the cost of damage or destruction of personal items, like furniture, clothing, appliances, and electronics
Personal liability Covers the cost of legal fees if you are sued after a guest is injured on your property
Loss of use/additional living expenses Covers the costs associated with temporarily living away from home, including accommodations and meals, due to covered loss
Medical payments to others Covers the medical costs for injuries that occur to others while on your property

Catastrophic ground cover collapse coverage is also included in the standard policy.

Tower Hill also offers a wide range of endorsements that allow you to customize your coverage:

  • Perishables
  • Credit card, forgery, and counterfeit money
  • Lock replacement
  • Water backup and sump overflow
  • Identity fraud
  • Loss of use due to power shortage

Availability

Tower Hill Insurance Group’s home insurance is only available in Florida. If you do not live in Florida, we recommend comparing quotes from providers in your area:

How Much Does Tower Hill Home Insurance Cost?

The exact amount you pay for Tower Hill home insurance depends on a variety of factors, including your property value, its size, the materials it was constructed with, where you live, the coverage limits you select, the insurance deductible you choose, and more.

We received a quote for a new construction, single-family, roughly 2,400-square-foot home in Point Orange, Florida, with an insured value of roughly $300,000. The monthly premium came out to $130.16.

Cost

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $300,000
Other structures $6,000
Personal property $150,000
Loss of use/additional living expenses $60,000
Personal liability $300,000
Medical payments to others $5,000
Monthly Cost $130.16

Discounts

Tower Hill Insurance Group offers the following discounts to help lower your monthly premium:

  • Age of roof
  • New home
  • Protective devices
  • Claims-free
  • Multi-policy

Tower Hill Home Insurance Reviews

Tower Hill Insurance Group is accredited by the Better Business Bureau and holds an A+ rating from the organization and 4 out of 5 stars from customers. Here’s what some homeowners had to say about their experience with Tower Hill, via the BBB.

Dot B. said:

“After moving last December, I took out a home owner’s policy with Tower Hill for the first time. In early May, I had to file a claim for water damage. Not knowing this company, I had no idea how this claim would be handled. I did not need to worry, as my claim was handled efficiently, professionally, and with great kindness. I would (and have) highly recommend Tower Hill for your insurance needs.”

A.C. said:

“Absolutely the worst experience I have ever had in dealing with any insurance claim. Had I known what a terrible company at the time we were seeking homeowners insurance we certainly would have looked elsewhere. They had to pay a $5,000 claim for us and they promptly cancelled our insurance with them. The person that made the accusation was lying and Tower never even took into consideration my actual side of the incident. Never, never use this company.”

Tower Hill Insurance Group vs. the Competition

See how Tower Hill Insurance Group stacks up against some of its top competitors on key metrics.

Comparison

Provider Tower Hill Insurance Group Lemonade Amica
Provider Tower Hill Insurance Group Lemonade Amica
Get a Free Quote Not available through This Old House Lemonade.com Not available through This Old House
Our Score 86.50 83.50 96.60
State Availability 1 23* 47 (not available in AK, FL, or HI)
BBB Rating A+ B+ A+
Years in Business 48 5 113
24/7 Claims Service by Phone
Protective Devices/Safety Features Discount
Bundling Discount
Mobile App X

*Lemonade home insurance is available in AZ, CA, CO, CT, DC, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NY, OH, OK, OR, PA, TN, TX, VA, WI

Conclusion

If you live in Florida, Tower Hill Insurance Group could be a solid choice for home insurance. The company offers comprehensive coverage, including catastrophic ground cover collapse coverage and a variety of endorsements. Its 4-star rating on the Better Business Bureau makes Tower Hill Insurance Group stand out.

Unfortunately, the company’s limited service area and few discounts are drawbacks. We give Tower Hill an overall score of 86.50.

When searching for a home insurance provider, it's always a good idea to get quotes from multiple companies so you can find the best option for your home. To get free quotes, call 855-948-5219 or input your zip code in the tool below:

Company Information

  • Company name: Tower Hill Insurance Group
  • Company type: Public
  • CEO: Charles Williamson
  • Year founded: 1972
  • Headquarters: Post Office Box 147018, Gainesville, FL 32614
  • State availability: 1
  • BBB rating: A+

Our Methodology

The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created an objective and comprehensive rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

Frequently Asked Questions

Is Tower Hill a good insurance company?

We believe Tower Hill Insurance Group is a solid company for home insurance with comprehensive coverage, an A+ Better Business Bureau rating, and a variety of endorsements. However, it is only available in Florida.

What is the best homeowners insurance in Florida?

We believe the best homeowners insurance in Florida is provided by Allstate, State Farm, and Liberty Mutual.

Is State Farm good for homeowners insurance?

State Farm is one of our top recommendations for homeowners insurance, earning the rank Best Endorsements because the insurer makes it easy to customize your plan with a variety of add-on options.

Who has the cheapest homeowners insurance?

Of the homeowners insurance companies we have evaluated, Lemonade and Costco have some of the lowest rates. To find out how much a Lemonade home insurance policy would be for you, get a free online quote.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.