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
Verified official producer-facing underwriting page remains the From the Tower underwriting tools/guidelines page, but the publicly accessible page appears to function mainly as an agent-training/webinar landing page rather than a detailed posted appetite guide. Current publicly posted guidance indicates Tower Hill focuses on property insurance written through agency partners, with personal and commercial availability across AL, AZ, FL, GA, LA, MS, NC, SC, TN, and TX; product availability is noted as limited in some states. For Home, Tower Hill publicly describes homeowners coverage for owner-occupied single-family and duplex homes, and in Texas specifically markets owner-occupied and seasonal homes with stated values up to $750,000, subject to underwriting requirements. Homeowners pages emphasize adequate Coverage A/replacement cost support, annual policy review, and agent-assisted coverage selection; they also note optional endorsements/add-ons may be available depending on state/product. For Flood, Tower Hill markets private residential flood through agency distribution, stating coverage is underwritten by RenaissanceRe and Hiscox London Market, with private flood limits up to $5 million building, contents up to 70% of building limit, optional replacement cost availability, loss-of-use up to 20% of building limit, and generally a 7-day waiting period except no waiting period for home closings or homes with continuous flood coverage; coverages vary by underwriting company. Geographic/binding note: as of the latest posted binding update on September 17, 2026, Tower Hill states it is currently binding new policies and accepting coverage-change requests for Jack and Palo Pinto counties in Texas, implying catastrophe or operational binding guidance may be managed through separate current bulletins rather than static underwriting manuals. Submission/producer instructions: Tower Hill distributes exclusively through agency partnerships; prospective agencies use the official PAQ form, can apply for personal and/or commercial lines, and Florida agencies seeking appointment must have a physical Florida location. The PAQ also signals screening around agency ownership, prior appointments, MGA/sub-producer relationships, and recent carrier terminations. Publicly posted declined/restricted classes are not clearly detailed on the verified official underwriting page, so no broad class declination list could be confirmed from official public sources. Operationally, expect agent-driven submission, state/product availability controls, property-specific underwriting eligibility, and reliance on current agent portal/training materials or binding bulletins for day-to-day acceptance rules.