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Secure Comprehensive Quotes for Tower Hill Insurance in Florida

Tower Hill Insurance Florida

Protecting your assets and investments with comprehensive insurance coverage is crucial in today’s uncertain world. Finding comprehensive policies allows you to assess your risks and ensure your insurance adequately protects you. Regarding Florida’s residents, Tower Hill Insurance stands out as a trusted provider that offers reliable coverage options tailored to the unique needs of Floridians.

Tower Hill Insurance is one of Florida’s largest insurers of residential and commercial properties. The company has over eight hundred and fifty insurance agencies representing it across the state. The company is among the most trusted insurers, with excellent responsiveness and many choices for policyholders. Known for its exceptional customer service, sound financial stability, and comprehensive coverage options, Towel Hill has been consolidating its position among the market leaders in the industry.

Tower Hill Insurance’s History

The company has nearly two million policyholders for homeowners insurance. It has operated in the state for almost five decades and has several subsidiaries. The company started as an insurance agency. The owners founded it in 1972 in South Florida. The company is still owned and operated by the founding family. The company has more than four hundred employees.

W.T. Shively founded Tower Hill as Mobile Home Insurance Associates. It moved from Miami to Gainesville in Florida circa 1980. It teamed up with Omega Insurance Company in 1987 and endured the aftermath of Hurricane Andrew in 1992. The company was renamed Tower Hill in 1995. It moved its corporate offices to its present location in 1996 and acquired Regency Insurance Company in 2000. The Regency Insurance Company became Tower Hill Preferred. The company continued its acquisitions and expansion simultaneously. It acquired DeSoto Prime Insurance Company in 2003, later becoming Tower Hill Prime. It expanded to Kentucky with a base in Lexington in 2004. The same year, it formed Tower Hill Select Insurance Company.

Expansion Continues

The insurer endured the aftermath of hurricanes Charley, Jeanne, Ivan, and Frances. Then, it underwent rebranding a year later before dealing with claims following hurricanes Katrina, Dennis, Wilma, and Rita. Finally, it partnered up with Royal Palm Insurance Company in 2009. Tower Hill Preferred continued its expansion when it merged with the Hillcrest Insurance Company in 2010. Finally, the company acquired Royal Palm Insurance Company in 2011 and became a Tower Hill Signature affiliate. Following Hurricane Matthew in 2016, the company expanded to other states while consolidating its market share in Kentucky.

Tower Hill Family of Companies includes: 

  • Tower Hill Prime
  • Tower Hill Preferred
  • Tower Hill Select
  • Tower Hill Signature
  • Omega Insurance Company 

Tower Hill’s specialty insurance partners include:

  • RenRe 
  • Ascot Syndicates at Lloyd’s
  • XL Catlin
  • SkiSafe 

All companies of Tower Hill Insurance have excellent ratings for financial strength from independent agencies such as Demotech.

Types of Insurance Tower Hill Offers in Florida

Tower Hill broadly categorizes its offerings into two types: Personal Coverage and Commercial Coverage. The Personal Coverage options for homeowners insurance in Florida include standard and optional policies. Homeowners’ insurance requirements depend on a residential property’s location, architecture, square footage, and other attributes. As a result, there are various policies to choose from, most of which can be customized to meet specific requirements.

In addition, Tower Hill offers insurance policies for landlords. It could be a duplex, single-family dwelling, or condominium. The owner may either occupy the property or be considered a landlord. They regard such policies as standard coverage. Furthermore, there are standalone fire insurance policies as well. Florida condo insurance is a separate subcategory in personal coverage. These policies usually offer a range of personal belongings in case of theft, burglary, and damage caused by fire. In addition, the scope includes personal liability for accidents that may happen in the condominium.

Also, Tower Hill offers Florida renters insurance for tenants who want coverage for their possessions. The terms will cover known perils, including damages caused by weather or theft. However, there is standalone flood insurance for homeowners, landlords, and renters. Flood insurance, aka hurricane insurance, requires an independent policy due to the risks in Florida. However, they can include it with a Florida homeowners’ insurance policy. They also provide mobile home insurance in Florida, although it differs significantly from a typical homeowners insurance policy. Finally, they offer coverage for various watercraft. However, they provide Florida boat insurance via SkiSafe.

Commercial Insurance Offerings

Commercial coverage is primarily for business owners. However, it is also applicable to associations of owners of residential properties. These include apartment complexes and multiple-building condominiums. Commercial coverage provided by Tower Hill is relatively more affordable in Florida than other insurance companies’ propositions. There is standard and optional coverage to choose from. In addition, policyholders can opt for value-added benefits such as risk-based recommendations and onsite visits by loss control specialists. 

Additionally, Tower Hill is now offering commercial lines of monoline property policies. These are relevant for veterinary and preschool businesses in the state. These policies are available via the Tower Hill Prime Insurance Company. Commercial coverage is available for apartments, condominiums, townhomes, and homeowners associations. It is primarily for common areas and investment or rental properties rented out.

Finally, Tower Hill has corporate-focused policies for: 

  • Homeowners Associations
  • Cooperative-Owned Communities
  • Planned Unit Developments 
  • Office Buildings
  • Retail Facilities
  • Shopping Centers with multiple tenants
  • Hotels and Motels
  • Housing Parks 
  • Travel Trailer/RV Parks 
  • Resident-Owned Parks
  • Campgrounds
  • Wholesale Businesses 
  • Condominiums
  • Apartment Complexes 
  • Rental Dwellings 
  • Self-Storage Facilities
  • Warehouses

Why Tower Hill Always Has A Solution

The inventory of products offered by Tower Hill Insurance is amongst the most inclusive for insurers. It is not just considered diverse in Florida but across the entire country. The inclusiveness of such a wide range of policies has made it the preferred brand in Florida. Moreover, the company has a simple claims settlement process. It has helpful and resource customer service executives who can provide prompt assistance at any correspondence stage. 

A broad spectrum of subsidiaries enables the company to offer highly personalized and targeted policies for specific needs. In addition, the company does not have to try and deal with diverse needs under the same brand name. More importantly, strategic partnerships with specialized companies also help the insurer to find a foothold across niches.

Understanding the Importance of Secure, Comprehensive Quotes

Secure, comprehensive quotes from Florida Insurance Quotes are essential because they allow you to make informed decisions about your insurance coverage. By assessing the risks associated with your property, such as damage from natural disasters, theft, or accidents, you can determine the level of coverage you need. Comprehensive quotes provide a detailed breakdown of the coverage options available, enabling you to select the most suitable policy.

Moreover, secure, comprehensive quotes provide transparency and clarity regarding insurance premiums and deductibles. By understanding the costs associated with your insurance policy upfront, you can budget effectively and ensure that the coverage you choose aligns with your financial capabilities. Additionally, comprehensive quotes offer an opportunity to compare different insurance providers and policies, empowering you to make a well-informed decision.

Tower Hill Insurance: Your Trusted Provider in Florida

Tower Hill Insurance has been serving the residents of Florida for over 45 years, offering reliable and comprehensive insurance coverage. As a trusted provider, Tower Hill understands Floridians’ unique risks, including hurricanes, floods, and other natural disasters. With a range of insurance options, including homeowners, renters, and condominium insurance, Tower Hill ensures its customers can access the coverage they need to protect their valuable assets.

Tower Hill Insurance takes pride in its commitment to customer satisfaction. With a team of dedicated professionals, the company strives to provide exceptional service and support to its policyholders. Their experienced agents are available to assist customers in understanding their insurance needs, explaining coverage options, and helping them obtain secure, comprehensive quotes that align with their requirements and budget.


Securing a Tower Hill Insurance quote from Florida Insurance Quotes is crucial to successful insurance coverage. We help customers assess risks, make informed decisions, and protect their assets effectively. Tower Hill Insurance is a trusted and reliable choice for Florida insurance providers. With their commitment to customer satisfaction and comprehensive coverage options, Tower Hill Insurance ensures that Floridians can obtain the insurance they need to safeguard their valuable assets. Contact us today to secure comprehensive quotes tailored to your unique requirements.

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