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’s verified public guidance remains largely producer-facing and product-level rather than a full public appetite matrix. Core personal-lines focus remains residential property, with products marketed through appointed independent agencies; current public materials show Florida as the main retail consumer market for Home and Flood, while Tower Hill’s prospective agency materials indicate broader writing capability across multiple states, with product availability limited in some states. For homeowners, Tower Hill states coverage may be bound by an appointed agency and is then subject to underwriting review and approval, with Florida underwriting completion occurring within 60 days and post-bind inspection on almost all new policies, typically 1–3 weeks after inception; internal inspections may also be required. This means preferred business is standard residential property submitted through appointed agents with complete application/supporting information and readiness for inspection review. Public-facing pages do not publish a detailed declined-risk list for Home, so any hard restrictions are not verified from official public sources. For Flood, Tower Hill offers private residential flood coverage in Florida through appointed agents, underwritten by RenaissanceRe and Hiscox London Market, with positioning for homes needing limits beyond NFIP, including building limits up to $5 million, contents up to 70% of building, optional replacement cost availability, loss-of-use coverage, and a 7-day waiting period with exceptions for home closings or continuous prior flood coverage. Flood submission guidance on the official form requests property address, rebuild/coverage amount, policy number if applicable, and optional supporting documents such as current declarations page, property photos, and elevation certificate to improve quote accuracy. Broker/producer guidance available publicly is primarily appointment-related: Tower Hill distributes exclusively through agency partnerships; agencies seeking Florida appointments must have a physical Florida location; the prospective agency questionnaire asks for current premium mix, key carriers, homeowners/mobile home/dwelling fire/flood in-force premium, recent production, business plan, and at least two standard homeowners-market loss runs, with optional specialty-lines loss runs. Tower Hill also publicly posts binding updates, so producers should check catastrophe/geography-specific binding status before submission or coverage changes. No newer official public underwriting/appetite page with detailed class-by-class acceptability was verified beyond the legacy underwriting tools page and current agent/consumer guidance.