Property Insurance

Basic and Basic Plus


  • 80 years of age and newer
  • Minimum $75K / Basic max: $250K | Basic Plus max: $500K
  • Owner-occupied and seasonal
  • Basic: 9 Named Perils | Basic Plus: 18 Named Perils

Homeowner Program


  • 80 years of age and newer (if older than 80 years please refer to DP1 program)
  • Minimum $150K / maximum $500K
  • Owner-occupied and seasonal; occasional rental coverage available
  • Comprehensive

Condominium Program


  • No home age restrictions
  • Home value up to $500k
  • Owner-occupied; seasonal; rental; vacant units can be placed in the Dwelling
  • Named peril for dwelling and personal property

Manufactured Home Program


  • No home age restrictions
  • Home value up to $300k
  • Owner-occupied; seasonal; rental; vacant units can be placed in the Dwelling (DP1) program
  • Comprehensive MHO

Dwelling Fire Program


  • No home age restrictions
  • Home value up to $500k
  • Owner-occupied; seasonal; rental; not a residence; vacant
  • Named perils

Renters Program


  • Actual Cash Value with Replacement Cost available
  • Personal Property value up to $100k
  • Schedule Personal Property, Bed Bug, Earthquake, Identity Theft & Pet Damage
  • Named perils

A Proud Partner of Tower Hill Specialty


Tower Hill Specialty offers a unique blend of industry experience and broad Underwriting appetite for niche markets often underserved by national insurers. Our specialty homeowner, dwelling, manufactured home and condominium products provide key coverages and policy options at competitive prices. Our targeted programs provide access to a market specializing in often challenging to place risks.

Tower Hill Specialty, LLC is a subsidiary of Tower Hill Insurance Group, LLC headquartered in Florida. Founded in 1972, Tower Hill Insurance, is a leader among residential and commercial property insurers in the Southeast. Financial strength, product experience, a comprehensive reinsurance program and exceptional claims service are core business strategies of the organization. Learn more about Tower Hill.

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