Our homeowners products are designed with your clients in mind. We offer key coverages and policy options not readily available through national insurors; with competitive prices your customers will appreciate.
Guidelines
HO1 Basic
HO1 Basic Plus
Age of home
80 years old or newer unless renovated
80 years old or newer unless renovated
Home value
Max. value is $250,000 / Min. value $75,000
Max. value is $500,000 / Min. value $75,000
Occupancy type
Owner & seasonal occupancies
Owner & seasonal occupancies
Coverage
Named Perils
Named Perils
Liability
Personal Liability included at $25,000 with option up to $300,000
Personal Liability included at $25,000 with option up to $300,000
Fire Protection Class
Any protection class, including classes 9 & 10
Any protection class, including classes 9 & 10
Personal Property
Named Peril; 40% of dwelling limit included
Named Peril + additional coverages; 40% of dwelling limit included
Prior claims
Multiple claims acceptable, up to three losses in the past three years
Multiple claims acceptable, up to three losses in the past three years
Loss settlement
Actual Cash Value
Replacement Cost with Optional Modified Functional Replacement Cost
Coastal Risks
Accepted; Wind/Hail restrictions apply to risks located within wind pool zone 1
Accepted; Wind/Hail restrictions apply to risks located within wind pool zone 1
Tower Hill Specialty offers a unique blend of industry experience and broad Underwriting appetite for niche markets often underserved by national insurers. Our specialty homeowner, dwelling, manufactured home and condominium products provide key coverages and policy options at competitive prices. Our targeted programs provide access to a market specializing in often challenging to place risks.
Tower Hill Specialty, LLC is a subsidiary of Tower Hill Specialty Insurance Group, LLC headquartered in Florida. Founded in 1972, Tower Hill Specialty Insurance, is a leader among residential and commercial property insurers in the Southeast. Financial strength, product experience, a comprehensive reinsurance program and exceptional claims service are core business strategies of the organization. Learn more about Tower Hill Specialty.