Tower Hill Insurance Review 2019


Review written by:

- Policy holder
If I could give 0 stars I would. This is the worst insurance company out there. If you are looking for a reliable company you can trust avoid this company at all cost. If your looking for someone to take your money and treat you horribly when you need them for the very first time then go with this company. We are hurricane Irma victims. Our home was severely damaged and this company was absolutely horrible. We lived in our master bedroom for 3 months while waiting on them to do something. They said they wanted us to get quotes on the damage. I got 2 quotes from 2 different construction companies stating the house had over 20,000 Dollars worth of damage and in the end all tower Hill ended up paying for was the roof leaving us having to get an additional loan on the house to get the rest fixed. It took almost a year of fighting and getting the work done for our house to be normal again. Oh and let's not forget they said the interior and exterior damage was from flood damage which they don't cover and we don't even live in a flood zone. Both construction companies that gave us the quote said that it wasn't from flooding it was from the hurricane force winds. Joke of a company. Don't give them your hard earned money. We've had to keep them until hurricane season was over. Now that it's December we are in the process of getting rid of them for a better company. Good riddance.
Melissa M.
- Policy holder
Had an issue with them paying our claim for Hurricane Michael damage, and by the end of the day, they had resolved it completely. Thank you for the excellent service, Tower Hill!
Lucia S.
- 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.

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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