Homeowner Program

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


HO3 Program

Age of home

80 years of age and newer (if older than 80 years please refer to DP1 program)

Home value

Minimum $150K / maximum $500K

Occupancy type

Owner-occupied and seasonal; occasional rental coverage available




$100K Comprehensive personal liability included, may be purchased up to $500K

Fire PC

Any protection class (incl. 9 & 10)

Prior claims

Multiple claims acceptable

Loss settlement

Replacement cost for home and other structures; ACV for contents with replacement cost optional

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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.

Tower Hill Specialty Insurance | Florida Homeowners Insurance and More