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
Tenant HO-4 Program
Occupancy type
Individuals renting a residence from the owner of the residence
Personal Liability
Up to $300,000
Loss settlement
Actual Cash Value with Replacement Cost available
Personal Property
Up to $100,000 without the need for prior underwriting approval
Coverage
Named Peril
Fire PC
All protection classes accepted (including PTC 9 & 10)
Optional Coverages
Schedule Personal Property, Bed Bug, Earthquake, Identity Theft & Pet Damage
Prior claims
Multiple claims acceptance, will allow two claims in the past 3 years
* Package programs available (see below)
LIABILITY
BASIC
ESSENTIAL
PREMIER
Personal Property
$10,000
$20,000
$30,000
Loss of Use
20%
20%
20%
Personal Liability
$100,000
$100,000
$100,000
$300,000
Medical Payments
$1,000
$1,000
$1,000
$1,000
Settlement Option
ACV
ACV
RC
Enhanced Coverage
No
No
Yes
Modified Coverage Limitation
Yes
No
No
Theft Limitations
Yes
No
No
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.