Easy Online Quoting: Air BNB, Fire Dwelling, Homeowners, Manufactured Homes, Condos

All Products

  • Animal Liability limit up to full coverage
  • Water Backup coverage up to $25,000
  • Competitive Rating
  • Multi-policy discount available, if agent maintains auto policy with another carrier


  • True ISO DP3 with full water coverage and Ordinance or Law included
  • Vacant homes acceptable with up to $1M Coverage A and customers may choose from these available options: basic or special form coverage; replacement cost; enhanced replacement cost; or modified functional replacement
  • Builder’s risk/renovation and/or unfurnished new construction coverage (homes must be fully enclosed)


  • True HO3 policy form includes: comprehensive risk coverage; and full water damage coverage with optional buy-down
  • Broad market availability: prior claims; PC 9&10; coastal; and counties other carriers typically do not write
  • Seasonal/secondary homes accepted
  • Homes up to 80 years

Tower Hill Specialty will consider risks with the following characteristics, based on location and condition.


HO3 Program

Age of home

80 years of age and newer

Home value

Minimum $150K / maximum $500K

Occupancy type

Owner-occupied and seasonal; occasional rental coverage available




Comprehensive personal up to $500K

Fire PC

Any protection class (incl. 9 & 10)

Prior claims

Multiple claims acceptable

Loss settlement

Replacement cost for home and other structures; ACV for contents with replacement cost optional

Manufactured Home

  • Comprehensive form with agreed value loss provision
  • Replacement Cost on homes up to 30 years of age
  • No age restrictions on Actual Cash Value loss settlement


  • Accept rentals, including short-term and seasonal
  • Accept prior claims, including water
  • Accept attached to converted from commercial risk


Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change.

Policies are written by one of the licensed insurers of Tower Hill Insurance Group.

For more information please reach out to Jill Zauner or John Goolsby.