Tower Hill Insurance Review | Florida Homeowners Insurance

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.

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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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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: Mar 4, 2022

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The Rundown

  • The Tower Hill Insurance Group sells residential insurance policies
  • You can’t bundle home and auto with Tower Hill Insurance
  • You must live in Florida to purchase a home insurance policy through the Tower Hill Insurance Group

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.

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.

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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.

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.

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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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
StateAverage Annual Car Insurance Rates
Alabama$868.48
Alaska$1,027.75
Arizona$972.85
Arkansas$906.34
California$986.75
Colorado$981.64
Connecticut$1,151.07
Delaware$1,240.57
District of Columbia$1,330.73
Florida$1,257.13
Georgia$1,048.40
Hawaii$873.28
Idaho$679.89
Illinois$884.56
Indiana$755.03
Iowa$702.46
Kansas$862.93
Kentucky$938.51
Louisiana$1,405.36
Maine$703.82
Maryland$1,116.45
Massachusetts$1,129.29
Michigan$1,364.00
Minnesota$875.49
Mississippi$994.05
Missouri$872.43
Montana$863.52
Nebraska$831.02
Nevada$1,103.05
New Hampshire$818.75
New Jersey$1,382.79
New Mexico$937.59
New York$1,360.66
North Carolina$789.09
North Dakota$773.30
Ohio$788.56
Oklahoma$1,005.32
Oregon$904.83
Pennsylvania$970.51
Rhode Island$1,303.50
South Carolina$973.10
South Dakota$766.91
Tennessee$871.43
Texas$1,109.66
Utah$872.93
Vermont$764.02
Virginia$842.67
Washington$968.80
West Virginia$1,025.78
Wisconsin$737.18
Wyoming$847.44
Countrywide$1,009.38
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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 provide discounts?

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
New Roof
Electrical Upgrades
Fire Alarm
Home & Auto
Home & Life
Home & Umbrella
Sprinklers
Security System
Gated Community
Water Safety System
Paid in Full
Customer Loyalty
Claim Free
New Home
Fire Resistant Construction
Storm Shutters
Plumbing Upgrades
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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.

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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