Renters 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

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)

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Program Package or Customize Coverage

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

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 Insurance Group, LLC headquartered in Florida. Founded in 1972, Tower Hill 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.

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