Tower Hill Auto Insurance Review (2024)

Tower Hill Insurance is a regional carrier for the Florida area and is focused on residential and commercial property insurance. It has made a name for itself in the short run since the 1970s, but it does not offer auto insurance plans. If you are looking for cheap auto insurance rates, Tower Hill is not the insurance company for you.

Are you still interested in finding affordable auto insurance in your area?

If so, try out our free online quote option now that you’ve finished this Tower Hill insurance review. You simply type in your ZIP code, and we will guide you through the rest of the process. Before you know it, you’ll receive detailed quotes from multiple insurance companies in your area. It’s that simple.

What You Should Know About Tower Hill Insurance

Tower Hill is a regional insurance company that touts itself as one of Florida’s largest residential property insurers. Tower Hill repeatedly comes up as a legitimate provider of residential and commercial property insurance.

With home and business insurance taken care of, it is natural to wonder if Tower Hill offers auto insurance bundling options and if it is a good company to purchase auto insurance from. Our detailed guide for Tower Hill insurance in Gainesville, FL provides contact information and claims processes to company history and quote options, and we have the answers to your questions regarding Tower Hill car insurance.

We know that choosing the right auto insurance company can be a difficult process, and we are here to help make that decision-making process easier. Before jumping into our Tower Hill auto insurance review, try out our free online quote option if you’re looking for affordable estimates from multiple auto insurance companies.

Tower Hill Auto Insurance

Tower Hill Insurance Group does not currently sell auto insurance, so any ideas about auto insurance discounts are clearly not an option. Rather, the company focuses primarily on residential and business property insurance in the Florida region.

Tower Hill does have partnerships with multiple insurance agencies, so there is a possibility that your local area affiliate could provide auto insurance. However, it would not be directly through Tower Hill Insurance Group LLC or its affiliates.

The table below shows what you can expect to pay annually for auto insurance.

Average Annual Auto Insurance Rates by Marital Status, Age, and Gender

If you are a Florida resident, we suggest that you don’t hold your breath waiting for Tower Hill to sell auto insurance and start looking elsewhere when choosing the right auto insurance company for your coverage.

Tower Hill Insurance’s Headquarters

Tower Hill Insurance is located at 7201 NW 11th Pl., Gainesville, FL 32605. The company also has over 850 partnered agencies throughout the state of Florida.

If you are looking for the closest Tower Hill Insurance location near you, the company does provide a search option on their website to find your local affiliate.

Tower Hill Insurance Agents

Tower Hill has agents throughout the state of Florida. The company has a search engine on its site that can assists you with finding the closest Tower Hill insurance agents near you.

Tower Hill Insurance is partnered with over 850 insurance agencies throughout the state of Florida, so chances are you will not have any difficulty finding an agent in your area.

How to File a Claim With Tower Hill

Tower Hill Insurance claims can be filed online or by calling Tower Hill Insurance’s phone number for Claims Services at 1-800-342-3407.

Claims documentation, such as Tower Hill Insurance photos, estimates, and receipts, can be emailed to [email protected]. Be sure to include your claim number in the subject line.

How to Get a Tower Hill Insurance Quote

Tower Hill has what it calls a quick quote option, which is a search option for potential policyholders to receive Tower Hill homeowners insurance quotes located on its website.

If you would rather a more personable approach, you can reach out a Tower Hill agent, at the phone number: 1-800-342-3407. Once again, an agent search option is available online to speak directly about estimates on your home or commercial property.

Even though Tower Hill does not offer auto insurance quotes, you can still get detailed auto insurance estimates in your area with our free online quote option. All you do is type in your ZIP code, and we take care of the rest. In no time, you’ll receive a list of quotes from the top auto insurance companies in your area. It really is that simple.

History of the Tower Hill Insurance Company in Florida

Tower Hill is a young company having begun operations in 1972 with the same focus they have today on residential and commercial property insurance in the Florida region. Founded by W.T. Shively in Miami, Florida, like Mobile Home Insurance Associates, the company quickly partnered with Omega Insurance by 1987 continuing to expand its operations outside of the mobile home division to all residential and commercial properties.

The Office of Coastal Management reports that in the Florida region, hurricanes have accounted for close to 14 percent of damaged property costs in the U.S. since 1986, which is 68.6 billion out of the measured 515.4 billion in catastrophic damage costs.

Tower Hill saw this need in the Florida insurance market for better coverage in case of catastrophic hurricanes and has been there for its policyholders for over 13 of Florida’s most devastating hurricanes.

Tower Hill Insurance popularity in the Florida region is definitely warranted given its track record in paying out claims following hurricanes. Tower Hill home insurance policy plans were structured to promote full coverage on both property and personal items.

According to the Insurance Information Institute (III), standard homeowner policies actually only provide 50–70 percent of the amount of insurance you take out on the structure of your home. Since hurricanes generally damage closer to 100 percent of residents’ property, Tower Hill adapted its homeowners insurance policies to offer additional coverage options for personal items under the Tower Hill Emerald Coverage.

The video below explains the need for such add-ons and endorsements in the Florida region.

Today, Tower Hill has continued its expansion even extending operations to out-of-state while merging with both Hillcrest and Royal Palm Insurance divisions. It has even begun to rival larger insurance affiliated companies, such as Frontline, having serviced over 1.7 million customers since the company’s inception.

Is Frontline a good insurance company? How does the rating of Frontline, a larger property insurance company in the Southeastern region of the U.S., compare with the likes of Tower Hill? The Tower Hill Insurance Demotech rating (a credit rating agency for regional insurance carriers) is an A superior rating, as is that of Frontline.

What is Tower Hill Insurance Company rated by consumer agencies? As far as customer reviews of Tower Hill Insurance, its BBB rating sits at a solid A+. It seems Tower Hill has emerged as the Southeastern front runner for residential and commercial property insurance in the short time that it has been in operation.