Tower Hill Insurance Review

Are you looking for an insurance provider that can offer reliable coverage at affordable rates? Look no further than Tower Hill Insurance. With a range of policies to choose from and a strong reputation in the industry, this Florida-based company is worth considering.

In this review, we’ll take a closer look at what Tower Hill has to offer, including their types of insurance, pros and cons, rates, discounts, claims process, customer reviews and BBB rating. So sit back and read on to find out if Tower Hill is the right choice for your insurance needs!

Company Overview

Tower Hill Insurance was founded in 1972, making it one of the oldest and most established insurance providers in Florida. Over the years, Tower Hill has expanded to offer coverage in several other states as well. Today, the company is known for its commitment to providing high-quality service and comprehensive coverage options.

One thing that sets Tower Hill apart from many other insurers is their focus on technology. They have invested heavily in digital tools that make it easy for customers to manage their policies online or through a mobile app. This includes features like bill pay, policy updates, and claims filing.

Another key aspect of Tower Hill’s approach to insurance is their emphasis on risk management. They work closely with customers to help prevent losses before they occur, which can ultimately save both parties time and money.

All in all, Tower Hill Insurance has built a strong reputation over the past five decades for offering reliable coverage and outstanding customer support. With a range of different policies available at competitive rates, this provider could be an excellent choice if you’re looking for quality insurance coverage in Florida or beyond!

Types of Insurance Offered

Tower Hill Insurance is a Florida-based company that provides homeowners, flood, and rental property insurance. In addition to these policies, Tower Hill also offers condo unit owner’s insurance and personal umbrella liability coverage.

For homeowners, Tower Hill offers comprehensive home insurance policies that protect against damages caused by natural disasters such as hurricanes and tornadoes. They also offer additional coverages for high-value items like jewelry or artwork.

Their flood insurance policy covers both residential homes and commercial properties in the event of flooding due to natural causes such as heavy rainfall or storm surge. It’s important to note that standard homeowner’s insurance does not typically cover damage caused by floods.

For those who own rental properties, Tower Hill has an excellent policy designed specifically for landlords. The policy provides protection against damage to the property itself as well as any potential lawsuits filed against the landlord.

Regardless of your specific needs when it comes to insuring your property or assets, Tower Hill Insurance is worth considering due to their extensive range of policies catering towards various requirements at reasonable prices.

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Pros and Cons

When it comes to Tower Hill Insurance, there are several pros and cons that you should consider before making a decision.

On the positive side, one of the biggest advantages is their coverage options. They offer a variety of policies for both personal and commercial needs, including homeowners, flood insurance, business liability insurance and more. This means that you can easily find an insurance plan that suits your specific requirements.

Tower Hill Insurance also has excellent customer support services. Their representatives are knowledgeable about their products and responsive to customers’ inquiries or concerns.

However, one major downside to Tower Hill Insurance is their rates which tend to be higher than other providers in some areas. Moreover, they have been criticized for taking too long to process claims or denying them without proper explanation which could put unnecessary financial burden on policyholders.

While Tower Hill Insurance may not be perfect for everyone due to its high premiums and claim issues – if you need specialized coverage plans with excellent support services then this provider could still be worth considering


When it comes to insurance, one of the most important factors that people consider is pricing. Tower Hill Insurance offers competitive rates for their various coverage options.

One factor that affects pricing is location. Different areas have different risks and therefore different rates. The good news is that Tower Hill Insurance covers a wide range of states across the US, which means they can offer affordable rates in many areas.

Another factor affecting pricing is the type of insurance you are looking for. Tower Hill Insurance offers several types including home, flood, renters, and condo insurance – each with its own unique set of price points.

Additionally, customers can choose from multiple deductible options to help customize their policy and find an affordable rate that works for them.

While prices may vary depending on your specific needs and location, Tower Hill Insurance strives to offer fair and competitive rates across all their coverage options.


Tower Hill Insurance offers a variety of discounts to help you save money on your premiums. Here are some ways you can take advantage of their discounts:

Multi-Policy Discount: If you have more than one policy with Tower Hill, such as home and auto insurance, you can receive a discount on both policies.

Hurricane Resistant Features Discount: If your home has certain hurricane-resistant features like impact windows or doors, reinforced roofs or shutters, Tower Hill will offer you a discount on your homeowners’ insurance.

Alarm System Discount: If your home is equipped with an alarm system that alerts authorities in case of fire or burglary, Tower Hill may provide a discount on your premium.

New Home Construction Discount: If the home was built within 10 years before buying the policy, it might qualify for this discount.

Other Discounts Available include loyalty discounts for customers who renew their policies every year without any claims filed and claims-free discounts for people who haven’t filed claims during a specified period.

It’s important to note that not all discounts may be available in every state where Tower Hill operates. Be sure to ask about which ones apply when shopping around for coverage.

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Filing a claim can be stressful and overwhelming, but Tower Hill Insurance strives to make the process as smooth as possible. They offer several ways to file a claim including online, via phone, or through their mobile app. Once your claim is filed, you will be assigned a claims adjuster who will guide you through the process.

Tower Hill Insurance understands the importance of timely resolution of claims and works diligently to ensure that all claims are handled promptly and efficiently. Their team of experienced professionals assesses each case on an individual basis ensuring that every client receives personalized attention.

In addition, Tower Hill has made investments in technology which enable them to streamline their processes resulting in quicker resolution times for clients. Customers have praised Tower Hill’s response time when filing a claim with many stating they received payment within days of filing.

If you find yourself needing to file a claim with Tower Hill Insurance rest assured that they have measures in place to help make this process less daunting for clients while working hard towards timely resolutions.


Reviews are an important aspect to consider when choosing an insurance company, and Tower Hill Insurance is no exception. One of the best ways to gauge the reliability of a company is through their customer reviews. Online platforms such as Google Reviews, Trustpilot and Yelp can be great resources for this.

Taking a look at Tower Hill Insurance’s reviews, it appears that they have received mixed feedback from customers. Some people praise their customer service and speedy claims process while others complain about denied claims or difficulty reaching representatives.

It’s important to note that every customer experience may vary based on individual circumstances and expectations. However, it’s still worth taking into account what other customers have experienced with this insurer before making a decision.

When reading reviews, it’s essential to pay attention to trends in feedback rather than individual comments because these indicate areas where the company excels or needs improvement. Also keep in mind that not all online reviews can be trusted as some are fake or biased.

Ultimately, combining research with your own personal judgement will help you make more informed decisions when selecting an insurance provider.

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BBB Rating

When it comes to insurance companies, it’s important to know their reputation and how they handle customer complaints. One way to gauge this is by checking their rating with the Better Business Bureau (BBB).

Tower Hill Insurance has an A+ rating with the BBB, which indicates that they have a good track record of addressing customer complaints in a timely and satisfactory manner.

To maintain their high rating, Tower Hill Insurance works closely with the BBB to address any issues that may arise. This includes resolving disputes and making changes to policies or procedures as necessary.

The BBB also provides customers with valuable information about businesses, including reviews from other consumers who have had experiences with the company. This can be a helpful tool when deciding whether or not to choose Tower Hill Insurance for your insurance needs.

Having a high rating with the BBB is an indicator of trustworthiness and reliability. It shows that Tower Hill Insurance takes its customers’ satisfaction seriously and strives to provide quality service consistently.


After conducting a thorough review of Tower Hill Insurance, it is clear that they offer a variety of insurance options for homeowners and renters alike. Their website is easy to navigate, and their customer service team is readily available to answer any questions or concerns.

While rates may vary depending on the location and type of property being insured, Tower Hill offers some competitive pricing compared to other insurance providers in the market. They also provide various discounts that can help lower costs even further.

Their claims process appears to be straightforward and efficient, with many positive reviews from satisfied customers who have filed claims successfully. Additionally, their A+ rating from BBB indicates that they are committed to resolving any complaints or issues promptly.

Tower Hill Insurance seems like a reliable choice for those looking for comprehensive home or rental coverage at an affordable price. With their range of policy options and excellent customer service reputation, they certainly deserve consideration when selecting an insurance provider.