Tower Hill offers all the most common coverages Florida residents would expect from a homeowners insurance company. But buyers should be prepared to work alongside an insurance agent for a quote, as Tower Hill's online tools are lackluster. However, it is worth noting that financial rating service AM Best does have a degree of concern over whether continued large-scale disasters, like Hurricane Irma and Hurricane Florence in 20, may put Tower Hill in financial jeopardy.īottom line: Tower Hill is a solid, affordable choice for homeowners looking for a one-stop shop for homeowners and flood insurance. For example, some customers noted that the company’s insurance agents or claims department reached out both before and after major storms to assist with claims. As a Florida-specific insurer, Tower Hill has experience dealing with hurricane claims. Of particular significance to Florida homeowners is Tower Hill's ability to respond to hurricanes. The most common issue cited in complaints was regarding the claims department, particularly unsatisfactory settlement amounts and claim denials.
Furthermore, the company received slightly better than average reviews for its customer service among Florida insurers. The price of insurance from Tower Hill was generally cheaper than competing Florida home insurance companies. The company, however, does not provide automobile insurance. This includes flood insurance and higher available coverage levels for high-value homes, as well as specialized coverage for renters, landlords and owners of condominiums and mobile homes. In addition to typical home insurance offerings, like coverage for your home's structure and your possessions, the company has a variety of policies available that may supplement traditional (HO-3) home insurance. Tower Hill's coverage options are fairly broad, meaning insurance shoppers are likely to find the type of coverage they need from the company. People considering buying coverage from Tower Hill will almost always have to work with an agent or broker to get a quote or purchase a policy. However, the company's limited online tools make the process of actually buying insurance coverage more challenging than with some of its competitors, which provide the ability to complete the purchase entirely online. Among home insurance companies that operate in Florida, Tower Hill is a strong option: Its affordable rates and good financial standing make it an appealing option for Florida homeowners.
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