Pros
Cons
Tower Hill Website Review, 2026
Tower Hill's claim agent and response to a slight disaster at my house restored some faith in insurance companies. Very prompt response and follow up. Professional and quite pleasant, given the circumstances. From day one to the final disposition of the claim was very quick (just two weeks!). They have my ringing endorsement.
I have been with Tower Hill since I purchased my new home. The first year the premium was $1,036, the second year (current) is $1,511 and now they want to renew for $2,745. That is an 80% increase! I have had no claims. I'm 50+ miles to the coast and have a great insurance credit score. Upon calling them they advised me that since there has been damage along the coast from the past couple hurricanes, they increased their rates.
It should be illegal to raise insurance rates more than 5% a year. My insurance literally doubled within 2 years for virtually no reason. This company still gets credit for being the cheapest insurance in Florida, but that is completely false! Before changing insurers, literally every quote was over 30% cheaper and had much better coverage.
This insurance company does not return calls and does not keep its word when dealing with their customers! After submitting an application for house insurance as of 3/1/2025 (due to previous insurance company leaving the state) we were accepted with the yearly premium paid in full. We received an email requesting proof of prior insurance along with an electrical panel that needed to be covered on 4/2/2025. The problems were corrected and at time of notifying them of the corrections being made they canceled our policy base on photographs taken by an authorized home inspector with no reasoning what so ever.