Tower Hill Homeowners Insurance Review & Ratings (2022)

Tower Hill Insurance sells homeowners, renters, condo, and other types of insurance to residents of Florida. A homeowners insurance policy with Tower Hill ranges in price based on a number of factors, including your location. You can get an insurance quote on the Tower Hill website. Tower Hill Insurance has an A+ rating with the Better Business Bureau.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 21, 2022

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The Rundown

  • Tower Hill Insurance Company offers homeowners, condo, renters, and flood insurance to Florida residents
  • Tower Hill homeowners insurance offers a basic coverage package with optional add-ons for peace of mind
  • Tower Hill has an A+ rating with the Better Business Bureau

If you are looking for homeowners insurance in the Florida area, you may want to learn a bit more about Tower Hill Insurance Company.

Tower Hill Insurance offers several different insurance options to Florida residents. Tower Hill homeowners insurance is a popular product with the company.

As you search for homeowners insurance, be sure to look for free insurance quotes online that compare rates from multiple companies at once so you get a better idea of what you can expect to pay for coverage.

In fact, you can use our free quote tool above to start your search today and see which companies in your area offer the best homeowners coverage for the most affordable rates.

What does Tower Hill homeowners insurance cover?

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.

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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.

How much is Tower Hill insurance?

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.

Average Annual Homeowners Insurance Rates by State

StateAverage Annual Rates
Alabama$1,433
Alaska$959
Arizona$825
Arkansas$1,373
California$1,008
Colorado$1,495
Connecticut$1,479
Delaware$833
District of Columbia$1,235
Florida$1,951
Georgia$1,267
Hawaii$1,102
Idaho$730
Illinois$1,056
Indiana$1,000
Iowa$964
Kansas$1,584
Kentucky$1,109
Lousiana$1,968
Maine$882
Maryland$1,037
Massachusetts$1,488
Michigan$942
Minnesota$1,348
Mississippi$1,537
Missouri$1,285
Montana$1,174
Nebraska$1,481
Nevada$755
New Hampshire$972
New Jersey$1,192
New Mexico$1,017
New York$1,309
North Carolina$1,086
North Dakota$1,253
Ohio$862
Oklahoma$1,885
Oregon$677
Pennsylvania$931
Rhode Island$1,551
South Carolina$1,269
South Dakota$1,202
Tennessee$1,196
Texas$1,893
Utah$692
Vermont$918
Virginia$999
Washington$854
West Virginia$940
Wisconsin$779
Wyoming$1,156
Countrywide$1,211
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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.

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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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.

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.

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