What Tower Hill Insurance Is

Tower Hill Insurance is a property and casualty insurance company that sells homeowners insurance, auto insurance, and commercial coverage in multiple states. The company operates under several brand names depending on your location — you may see it as Tower Hill Insurance, Heritage Insurance, or Homeowners Choice, Inc. (HCI) — but they are all part of the same parent organization. Tower Hill does not sell life insurance or health insurance.

Tower Hill is a publicly traded company based in Florida and has been operating since 1972. It focuses primarily on states with high hurricane risk, including Florida, Hawaii, and other coastal regions, though it also writes policies in other states. If you receive a quote or policy document from Tower Hill, it will show the specific brand name under which you are being quoted or insured.

Key Takeaways

  • Tower Hill Insurance sells homeowners, auto, and commercial insurance under multiple brand names, with the strongest presence in hurricane-prone states like Florida and Hawaii.
  • You can get a quote online, by phone, or through an independent insurance agent, and the company will ask about your property, driving history, and claims history.
  • Tower Hill homeowners policies typically cover the structure of your home, personal belongings, liability if someone is injured on your property, and additional living expenses if you cannot stay in your home.
  • Deductibles, coverage limits, and premium costs vary based on your location, the age and condition of your home, your claims history, and the specific policy you choose.
  • If you have a claim, you report it to Tower Hill by phone or online, provide documentation, and an adjuster will inspect the damage and determine what the policy covers.

How to Get a Quote from Tower Hill

You can request a quote through three main routes: Tower Hill's website, a phone call to their customer service line, or an independent insurance agent who represents Tower Hill in your state. On the website, you will enter your address, information about your home or vehicle, and your contact details. The company will then provide an estimate, usually within minutes for auto insurance and within a few hours for homeowners insurance.

If you call directly, a representative will walk you through the same questions: the year your home was built, the square footage, the roof type and age, whether you have had prior claims, and your driving record if you are quoting auto insurance. Be ready to provide your current insurance information if you have it, because Tower Hill will ask about your prior coverage and claims history. This information affects your premium.

Using an independent agent can be helpful if you want someone to explain the differences between Tower Hill's policies and competitors' policies side by side, or if you prefer to work with a local agent rather than online or over the phone. Agents can also tell you whether Tower Hill is currently writing new business in your area, since the company periodically stops accepting new customers in certain regions.

What Homeowners Policies Cover

A Tower Hill homeowners policy typically includes four main types of coverage. Dwelling coverage pays to repair or rebuild the structure of your home if it is damaged by a covered peril — fire, wind, theft, or vandalism, for example. Personal property coverage pays to replace your belongings (furniture, clothing, electronics) if they are damaged or stolen. Liability coverage pays legal costs and damages if someone is injured on your property and sues you. Additional living expenses (also called loss of use) pays for hotel, meals, and other costs if your home becomes uninhabitable and you have to live elsewhere while repairs are made.

Tower Hill homeowners policies do not cover flood damage or earthquake damage — those require separate policies. Flood insurance is sold through the National Flood Insurance Program (NFIP) or private flood insurers, and earthquake insurance is a separate add-on. If your home is in a flood zone or an earthquake-prone area, you will need to purchase those coverages separately.

The amount of dwelling coverage you choose determines your premium. You can select a coverage limit based on the estimated replacement cost of your home, which is what it would cost to rebuild it from scratch. Tower Hill will provide an estimate, but you can adjust it up or down. If you choose a limit that is too low, you may not be fully reimbursed if your home is damaged.

Deductibles and How They Affect Your Premium

A deductible is the amount you pay out of pocket when you file a claim. Tower Hill offers several deductible options, typically ranging from $500 to $2,500 or higher for homeowners insurance, and $250 to $1,000 for auto insurance. Choosing a higher deductible lowers your monthly or annual premium, because you are agreeing to pay more of the cost yourself if something happens.

For example, if you choose a $1,000 deductible and file a homeowners claim for $5,000 in damage, you pay $1,000 and Tower Hill pays $4,000. If you choose a $500 deductible instead, your premium will be higher, but you would only pay $500 out of pocket for the same claim. The right deductible depends on how much you can afford to pay if you need to file a claim.

Some Tower Hill policies also include a separate deductible for wind or hurricane damage, which may be higher than the standard deductible. This is common in coastal states. The policy documents will clearly show whether a separate wind deductible applies and what it is.

How to File a Claim with Tower Hill

If you experience damage to your home or vehicle, contact Tower Hill as soon as possible. You can report a claim by phone, through the Tower Hill website, or via their mobile app if you have it installed. Have your policy number ready. The representative will ask what happened, when it happened, and whether anyone was injured. They will also ask whether you have already contacted anyone else (like a contractor or another insurance company).

After you report the claim, Tower Hill will assign an adjuster to your case. The adjuster will contact you to schedule a time to inspect the damage in person. Bring any photos you took, receipts for damaged items, and any repair estimates you have obtained. The adjuster will document the damage, take their own photos, and determine what your policy covers and what the repair or replacement will cost.

Tower Hill will then send you a settlement offer. If you agree with the amount, they will issue payment, usually within a few weeks. If you disagree with the settlement, you can request a review or hire an independent appraiser to dispute the amount. The policy documents explain the process for handling disagreements.

Auto Insurance Coverage Through Tower Hill

Tower Hill auto insurance includes liability coverage, which pays for injuries or property damage you cause to someone else in an accident. Most states require a minimum amount of liability coverage by law. Tower Hill also offers collision coverage (pays for damage to your car if you hit something), comprehensive coverage (pays for theft, weather, or vandalism), and uninsured motorist coverage (pays if you are hit by a driver with no insurance).

You can add coverage for rental car reimbursement, roadside information, and gap insurance (which covers the difference between what you owe on a car loan and what the car is worth if it is totaled). The premium depends on your age, driving record, the type of vehicle you drive, how much you drive, and the coverage limits and deductibles you choose.

Tower Hill may offer discounts for bundling auto and homeowners insurance, maintaining a clean driving record, completing a defensive driving course, or installing safety features in your vehicle. Ask about available discounts when you get a quote.

Frequently Asked Questions

Can I cancel my Tower Hill policy anytime?

Yes, you can cancel at any time, though some policies have a cancellation fee if you cancel before the policy term ends. The amount of the fee and the cancellation process are explained in your policy documents. You can usually cancel by phone, online, or through your agent.

Does Tower Hill offer discounts?

Tower Hill offers several discounts, including bundling discounts (combining homeowners and auto), loyalty discounts, discounts for safety features or security systems, and discounts for completing a defensive driving course. The specific discounts available depend on your state and the type of policy. Ask about all available discounts when you get a quote.

What should I do if I disagree with Tower Hill's claim settlement?

You can request a formal review of the settlement or hire an independent appraiser to assess the damage. If you and Tower Hill still disagree, many states allow you to file a complaint with the state insurance commissioner. Your policy documents explain the dispute resolution process.

Is Tower Hill available in my state?

Tower Hill operates in multiple states but not all of them. The company has a strong presence in Florida, Hawaii, and other coastal areas, but availability varies. Check the Tower Hill website or call their customer service line to confirm whether they write policies in your state.

What is the difference between Tower Hill, Heritage Insurance, and Homeowners Choice?

These are all brand names under the same parent company. The specific brand you see depends on your state and the type of policy. They operate under the same underwriting standards and offer similar coverage, but the brand name on your policy documents may differ based on where you live.