Tower Hill Insurance Review 2021


Review written by:

- Policy holder
Professional, Customer Focused, incredible teamwork, pricing is highly competitive, service is and was over the top. I spoke with several people in the agency and each one was knowledgeable, supportive, helpful and amazingly courteous and kind! I was in a crunch to get insurance for a new home purchase and this team handled me with incredible efficiency, clarity in explaining my options, recommended best coverage and quoted a competitive and comprehensive policy in an incredibly short amount of time. Joyner is the only agency to work with in this area - I called several others and some took days to return my calls. After all was completed, I received a personal email from David Joyner, owner of the agency. These folks know insurance and how to treat customers.
Kary M.
- Policy holder
We have been with Tower Hill for almost five years. We had one claim prior to hurricane Erma due to a leak. Tower Hills preferred contractor did an outstanding job in identifying and remediating the issue. Following Hurricane Erma, we discovered serious damage to our roof due to the 120 mph plus winds. Our total roof replacement is underway and our experience with Tower Hill to date has been excellent. They have been responsive and reasonable in all respects. I highly recommend them!
Thomas B.
- Policy holder

Carrier Overview

One of Florida’s largest residential property insurers, Tower Hill Insurance Group is represented by more than 850 insurance agents throughout Florida. The group is made up of a number of subsidiary insurance companies, including Tower Hill Prime and Tower Hill Preferred.

Today Tower Hill is one of Florida’s largest residential property insurers, represented by more than 850 insurance agencies throughout the state. Tower Hill has been protecting Florida’s home and business owners for nearly half a century. Although many things have changed over the decades, it remains committed to our company’s original core values — Choices, Confidence, Responsiveness, & Trust.  

Tower Hill is committed to responding quickly – you can trust them to be there when you need them, whether damage to your home is relatively minor or completely devastating. It has the resources to give you peace of mind that they will be here after a disaster. That’s why more than 1.7 million Floridians have chosen Tower Hill to protect their homes. You can choose from our wide range of products and coverage options, so you can be confident that your policy is designed to best fit your individual insurance needs. 

Customer Service Number: 1-800-342-3407



  • ‍Homeowners
  • High-value homes
  • Flood
  • Landlord
  • Condo
  • Renters
  • Mobile home
  • Watercraft
  • Commercial

How to Buy a Policy

Tower Hill can offer you an estimated quote online. After filling in a questionnaire, the company then gives you a range of what your premium with the company could look like. You are then urged to provide your name and contact details that is then submitted to an agent.

You may also locate an agent by using the “Agent Search” tool on the website. Contact information for agents is provided after entering your zip code.

Get a quote here.


Discounts offered



How to make payments

You can pay for your policy by using a checking account, Visa, Mastercard, American Express, Discover, or a debit card with the Visa or Mastercard logo.

To create your online account, you will need your policy number, agent ID, and property zip code. To make a payment over the phone, call 800-342-3407.

You may also choose to mail your payment using the payment coupon and envelope included with each premium invoice. You can send the payment to Tower Hill Insurance Group, P.O. Box 865001, Orlando, FL 32886-5001.


How to File a Claim

In the event you need to file a claim, Tower Hill asks that you do so online or over the phone. To file a claim for a residential property, you can fill out an online form here, or you can call 800-342-3407.

To file a flood claim, you can visit towerhill.managemyfloodpolicy.comor call 877-254-6819.



  • Policy number
  • Date of loss
  • Loss description

Reinsurance program

According to its website, Tower Hill buys $2.3 billion in reinsurance. This purchase enables the company to survive a large severity event, such as a hurricane loss with a 1 percent probability of occurrence or a rare frequency event such as four hurricanes making landfall in Florida in the same year, the company states.

Reinsurance also enables Tower Hill to insure homes of all types, from single-family homes to condominiums to mobile homes, and for a wide range of values — from $50,000 to $5 million. The reinsurance we buy transfers the vast majority of our hurricane exposure to the balance sheets of extremely well-capitalized reinsurers located around the globe.

With a 44-year history of buying reinsurance and an enviable track record, Tower Hill is the beneficiary of long-term relationships within the reinsurance market and a competitively priced reinsurance program.

Career Opportunities

Tower Hill Insurance Group has over 400 employees and boasts of offering great opportunities for career advancement and personal growth, along with competitive benefits and rewards. The company says it is growing at a consistent pace and seeks professional individuals with drive, team mentality, who want to make an impact, and are committed to a long-term career in the insurance industry. Here are some of the latest job opportunities.


How to Become an Agent 

If you are an agent looking to work with Tower Hill, you can apply for a personal lines appointment by filling out an online form.

Before you apply, you will need a copy of your agency business plan and a copy of loss runs from two standard homeowners markets at hand. For more information, you can email

become an agent

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