In This Review: Our Rating | Pros & Cons | Cost & Discounts | Coverage | Customer Reviews | Our ConclusionTower Hill vs. Competitors | Company Info | FAQs | Methodology

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:

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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

ProsCons
24/7 customer portalOnly available in Florida
Nearly 50 years of experienceFew discounts
A+ BBB rating

 


 

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 CoverageAmount 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 Coverage

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

Coverage

TypeDescription
Dwelling + other structuresCovers the cost to repair or rebuild your home, including detached structures like sheds and fences, in the event of a covered loss
Personal propertyCovers the cost of damage or destruction of personal items, like furniture, clothing, appliances, and electronics
Personal liabilityCovers the cost of legal fees if you are sued after a guest is injured on your property
Loss of use/additional living expensesCovers the costs associated with temporarily living away from home, including accommodations and meals, due to covered loss
Medical payments to othersCovers 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

 


 

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.”

 


 

Our 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:

 


 

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

ProviderTower Hill Insurance GroupLemonadeAmica
Get a Free QuoteNot available through This Old HouseLemonade.comNot available through This Old House
Our Score86.5083.5096.60
State Availability123*47 (not available in AK, FL, or HI)
BBB RatingA+B+A+
Years in Business485113
24/7 Claims Service by Phone
Protective Devices/Safety Features Discount
Bundling Discount
Mobile AppX

*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

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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+

 


 

Frequently Asked Questions about Tower Hill

 


 

Our Methodology

The This Old HouseReviews team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.

With that in mind, we created an objective rating system to score each home insurance company. Here’s what that review process looked like:

  • We analyze the information on each company’s website. This allows us to determine what products and services are offered by each home insurance provider.
  • We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
  • We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.

With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:

  • Coverage (30): We rated home insurance companies higher if they offered the six main types of homeowner protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
  • State availability (7.5): Companies scored higher if they covered more states than their competitors.
  • Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
  • Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
  • Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau (BBB) ratings.
  • Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.

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.

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