Tower Hill Insurance Review

  • With 1.6/5 stars in 2024, Tower Hill is a below average insurance company.
  • Read Tower Hill reviews, complaints and prices before you buy.
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Beth Swanson

SEO Content Strategist

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Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

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Ross Martin

Insurance Writer

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  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Kristine Lee

Insurance Analyst

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  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Tower Hill insurance: Ratings and reviews

1.6 100% filled Star icon 60.00000000000001% filled Star icon 0% filled Star icon 0% filled Star icon 0% filled Star icon

Rating from The Zebra Question mark icon

Offering homeowners insurance, condo insurance and other personal lines policies in Florida and a few other states, Tower Hill Insurance Group (THIG) is an insurance company well-versed in the risks to which coastal states are susceptible. Certain states have an elevated risk of natural disasters like windstormshurricanes and subsequent flooding, which can make it difficult to find coverage for homeowners.

Based in Gainesville, Florida, Tower Hill is no stranger to these perils, providing competitive insurance products that cater to the needs of homeowners in certain areas of the United States (they offer certain policies in 17 states). Unfortunately for those who may be looking to bundle coverage, Tower Hill does not offer auto coverage. Subsidiaries in the insurer's network include Tower Hill Prime, Tower Hill Preferred, Tower Hill Select, Tower Hill Signature and Omega Insurance.

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1.6 stars Rating from The Zebra
Ratings based on price, customer service, coverage, and financial strength.
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Pros
  • Offers coverage in Florida and other high-risk states

  • High-value home coverage

  • Flood coverage option that exceeds NFIP plan coverage

Cons
  • Does not offer auto insurance

  • Personal lines offered in limited states

  • Limited discount selection


Is Tower Hill a good insurance company?

The majority of The Zebra's review incorporates how well Tower Hill scores in terms of customer service. In order to determine that we looked at the following third-party ratings.

BBB customer reviews: 3.69/5

  • The Better Business Bureau also rated Tower Hill as 3.69/5 in customer satisfaction[1]

Complaint Index: Below average

  • The National Association of Insurance Commissioners (NAIC) receives Below average customer complaints for Tower Hill[2]

Financial Strength: A (Exceptional)

  • Tower Hill received an A (Exceptional) financial strength rating from Demotech for its ability to pay out claims[3]

The Zebra Customer Satisfaction Survey

In addition to third-party ratings, we like to incorporate the results from our own consumer survey where we ranked which home insurance companies are the best based on feedback from real customers. However, we did not collect a sufficient amount of data on Tower Hill for it to be included.


How much does Tower Hill insurance cost?

Being a smaller insurance company that operates in some states with higher-than-average risks, Tower Hill's pricing data is not widely available, which unfortunately is something else we use to calculate our review. 

We do know that Florida, for example, can be an expensive location in which to find homeowners insurance. Your rates there will likely be much higher there than, for example, in the Midwest, simply because of the increased risks in areas prone to natural disasters such as hurricanes.

We always recommend getting a quote on homeowners insurance in your area to see if a particular company can offer sufficient coverage within your budget.

 

Discounts offered

Most insurance companies offer home insurance discounts to help them stay competitive in the market, and stay appealing to consumers. Tower Hill offers the following savings opportunities, but keep in mind these discounts may vary by state.

Windstorm loss mitigation discounts:

If your home has documented wind loss mitigation measures, such as the following, you may save on out-of-pocket expenses as well as your insurance premiums.

  • Roof Covering
  • How Your Roof Is Attached
  • Roof-to-Wall Connection
  • Roof Shape
  • Secondary Water Resistance (SWR)
  • Opening Protection

Additional discounts available:

  • Secured community
  • Accredited builder
  • Smart home water protection
  • Companion policy discount
  • Auto policy with Safeco

Read more about all the discounts Tower Hill offers here

Search, compare and buy all on one site. Start saving today!

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What types of coverage does Tower Hill offer?

Another important part of Tower Hill's review is the types of coverage they offer.

All of the standard home insurance coverages can be found at Tower Hill, including coverage for your dwellingother structurespersonal propertypersonal liability, loss of use and medical payments. The following coverage can be purchased through Tower Hill:

  • Homeowners insurance
  • Flood insurance
  • Dwelling fire
  • Condo insurance
  • Renters insurance
  • Mobile home insurance
  • CyberShield
  • Equipment breakdown
  • Watercraft

Tower Hill focuses on Florida home insurance, but through its Tower Hill Specialty Program, it also offers insurance in the following states: GA, IN, OH, TX, WI, AL, AZ, AR, IL, MI, MO, MS, SC, TN, NC.

Tower Hill logo

CyberShield

CyberShield is a suite of services offered by Tower Hill that is designed to protect against things that are all too common in today's age of technology: cyber attacks, data breaches, cyber extortion, identity theft and more.

There are multiple levels of coverage so you can decide what components are most important for you. For example, Identity Theft Coverage costs about $25 annually and provides you with a third-party investigator to help you get back on your financial feet after a case of identity theft. If you want to add on other coverages like cyber extortion, online fraud and even cyber bullying, choose from either the CyberShield tier ($50 annually) or CyberShield+ ($70 annually).

Get the details about cyber protection from Tower Hill here.


Tower Hill insurance review: Summary

Tower Hill Insurance Group may be a great option if you're looking to insure a home in Florida, where it can be difficult to find coverage in general, let alone at the right price. However, the company doesn't offer auto policies, so if you want to keep multiple policies under one insurance carrier this isn't the best option. Tower Hills works in 17 states total, but personal lines aren't available in all of them, and it's difficult to discover which states they currently operate in on their website. They are also lacking scores from JD Power for claims and customer service, yet have a strong financial rating from Demotech for being able to pay out claims, which adds confidence.

For specific policy rate information, you'll want to reach out to Tower Hill directly. As with any insurance decision, we at The Zebra encourage potential clients to fully evaluate their individual needs, the coverage options available and the company's services before finalizing their choice.

Methodology — how The Zebra reviews insurance companies

The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:

  • Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
  • Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
  • Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
  • Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
  • The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.

For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

These sample premiums are dynamic and automatically refresh whenever the newest data is made available.

To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.

For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.

Tower Hill insurance: Frequently asked questions

Tower Hill Insurance Group is a good option for those seeking high-value home coverage in Florida. They offer flood coverage that exceeds NFIP coverage, have few NAIC complaints and a strong Demotech financial rating, indicating an ability to pay out claims. Those wishing to bundle auto and home policies should look elsewhere as they don't offer auto insurance. While they operate in 17 states, it's unclear which states they currently operate in from their website.

Tower Hill Insurance is migrating all policies to the Tower Hill exchange at renewal. Tower Hill Exchange is a reciprocal insurer whereby the policyholders, also known as members, insure each other and share in the underwriting profits generated via subscriber savings accounts.

Tower Hill is not currently rated by AM Best, but they received a strong financial score from Demotech of A (Exceptional).

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.