Tower Hill Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Tower Hill is a Florida‑centric residential property writer (now largely through Tower Hill Insurance Exchange in FL and Tower Hill Specialty/Prime and affiliates for non‑standard and out‑of‑state business). The carrier’s public site is marketing‑oriented; detailed underwriting rules sit in company/program manuals and broker FAQs distributed through MGAs and agency portals. Operationally, agents should assume a catastrophe‑sensitive, inspection‑heavy appetite with tight eligibility in coastal and older‑home segments. Preferred / target business – homeowners - Primary, owner‑occupied one‑ to two‑family dwellings with solid maintenance and favorable loss history in lower‑risk FL territories and selected expansion states. ([thig.com](https://www.thig.com/personal-coverage/homeowners/?utm_source=openai)) - Newer construction or homes with fully updated roofs, electrical, plumbing, and HVAC; wind‑mitigation features and compliant roof coverings are viewed favorably (wind‑mitigation inspections are commonly requested in FL). ([onthegulfhomeinspectionservices.com](https://www.onthegulfhomeinspectionservices.com/4-point-inspection/tower-hill-insurance-4-point-inspections/?utm_source=openai)) - Clean prior loss profile or limited, well‑documented prior losses (generally no more than 1 significant non‑weather loss in three years; CLUE is used on all new business, and inspections may be ordered). ([site.siuins.com](https://site.siuins.com/wp-content/uploads/2025/10/H6-GA-PM-000107-18-TH.pdf?utm_source=openai)) Restricted / declined – homeowners & dwelling fire - Multiple prior losses: underwriting rules for Prime/Specialty indicate four or more losses within three years (or more than one fire/theft/liability loss, or more than two of any other single cause) are ineligible; significant fire, large theft, or major water losses must be referred with full details and proof of remediation. ([site.siuins.com](https://site.siuins.com/wp-content/uploads/2025/10/H6-GA-PM-000107-18-TH.pdf?utm_source=openai)) - Poor condition, unrepaired damage, or serious hazards identified on inspection – agents should expect mandatory repairs and possible declination or non‑renewal if issues are not resolved, particularly for roof, water, and electrical exposures. ([towerhillagency.com](https://www.towerhillagency.com/faqs/?utm_source=openai)) - High‑frequency or severe liability history; arson, undetermined‑cause fires, or intentional acts are not acceptable. ([site.siuins.com](https://site.siuins.com/wp-content/uploads/2025/10/H6-GA-PM-000107-18-TH.pdf?utm_source=openai)) - Very tight appetite for older roofs and homes with prior water losses; minimum deductibles or actual cash value/limited settlement options may be imposed based on roof age, prior claims, or location. ([site.siuins.com](https://site.siuins.com/wp-content/uploads/2025/10/THSFAQ10.2025.Final-002.pdf?utm_source=openai)) Geographic notes - Core homeowners business remains Florida‑focused; Tower Hill has historically been one of the larger FL residential writers and continues to operate there via Tower Hill Insurance Exchange and related companies with substantial catastrophe reinsurance. ([thig.com](https://www.thig.com/personal-coverage/homeowners/?utm_source=openai)) - The group and its agency arm also write residential property outside Florida (e.g., AZ, GA, TN, TX for the Tower Hill Agency), but appetite, forms, and carriers differ by state and program; agents should confirm which Tower Hill entity is used and follow that program’s specific manual. ([towerhillagency.com](https://www.towerhillagency.com/?utm_source=openai)) - Binding may be suspended or restricted temporarily in CAT‑exposed areas (e.g., during named storms); agents must monitor binding authority notices and carrier bulletins. Flood insurance (private and NFIP‑related) - Tower Hill offers a branded private flood product in Florida backed by RenaissanceRe and Hiscox London Market. Coverage may be written monoline or in conjunction with a Tower Hill homeowners policy, with limits and terms varying by underwriting company. ([thig.com](https://www.thig.com/personal-coverage/flood/?utm_source=openai)) - Appetite is strongest for standard residential risks that meet elevation and mapping criteria; higher‑limit or high‑risk locations may be available through specialty/high‑limit flood channels or program partners rather than direct Tower Hill paper. ([newagencymarkets.com](https://www.newagencymarkets.com/towerhill?utm_source=openai)) Submission & documentation expectations (agents/brokers) - New business must meet program‑specific eligibility manuals (Prime, Specialty, Exchange, etc.). A CLUE report is obtained on all new business, and underwriting will order inspections on most new policies to verify condition, updates, and occupancy. ([site.siuins.com](https://site.siuins.com/wp-content/uploads/2025/10/H6-GA-PM-000107-18-TH.pdf?utm_source=openai)) - For referred risks (e.g., significant prior losses, large water, theft, or fire claims), underwriters expect detailed narratives and supporting documentation: cause of loss, dollar amounts, completed repairs, and preventive measures; fire losses typically require a fire department report. ([site.siuins.com](https://site.siuins.com/wp-content/uploads/2025/10/H6-GA-PM-000107-18-TH.pdf?utm_source=openai)) - Agencies must maintain documentation on protective devices (alarms, leak detection, smart home systems) for new and renewal business and provide certificates on request; such mitigation can influence acceptability and pricing. ([site.siuins.com](https://site.siuins.com/wp-content/uploads/2025/10/THSFAQ10.2025.Final-002.pdf?utm_source=openai)) Broker / producer notes - Agency access and specific underwriting rules often flow through MGAs/wholesalers (e.g., AmSuisse for coastal commercial and certain property programs); producers should rely on those program guides and contact listed underwriting teams for current binding authority and coastal/wind guidelines. ([newagencymarkets.com](https://www.newagencymarkets.com/towerhill?utm_source=openai)) - Tower Hill publicly emphasizes underwriting discipline and forward‑looking risk management in its Exchange and Specialty entities; in practice, agents should expect conservative treatment of coastal wind, water losses, roofs, and older properties compared with pre‑2022 FL practices. ([thig.com](https://www.thig.com/companies/tower-hill-insurance-exchange/2023-annual-report/?utm_source=openai)) Operational takeaway: treat Tower Hill as a disciplined, catastrophe‑sensitive residential property market. Lead with well‑maintained, primary, owner‑occupied homes (especially newer or fully updated) and submit any risk with meaningful prior losses, roof issues, or coastal exposure for pre‑underwriting review with full documentation. Confirm state, Tower Hill company, and program manual before binding, and monitor binding suspensions in CAT season.