Homeowners Basic and Basic Plus

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.

Coverages & Options

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

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A Proud Partner of Tower Hill Specialty

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.

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