Tower Hill Auto Insurance Review for 2024 (+Rates & Discounts)

This Tower Hill auto insurance review is about Tower Hill’s special property coverage designed for people living in Florida.

With its Emerald Coverage program, Tower Hill gives extra safety for personal belongings from bad weather damage, especially where hurricanes happen often. Supported by many agents around the state, Tower Hill provides dependable and individual help with property claims. Discover how comprehensive auto insurance covers unexpected damages.

Tower Hill Auto Insurance Rating

Rating Criteria
Overall Score	3.0
Business Reviews	3.0
Claim Processing	3.0
Company Reputation	4.0
Coverage Availability	1.0
Coverage Value	3.1
Customer Satisfaction	3.1
Digital Experience	3.5
Discounts Available	3.8
Insurance Cost	2.8
Plan Personalization	4.0
Policy Options	3.5
Savings Potential	3.1

Even if they do not offer auto insurance directly, Tower Hill has partnerships that allow people to reach other companies for more comprehensive coverage requirements. The review discusses Tower Hill’s intense money situation and good name, making it a top pick for full property insurance.

Use our free comparison tool above to find the cheapest coverage in your area.

What You Should Know About Tower Hill Insurance

Tower Hill is a regional insurance company that touts itself as one of Florida’s largest residential property insurers. Tower Hill repeatedly comes up as a legitimate provider of residential and commercial property insurance.

With home and business insurance taken care of, it is natural to wonder if Tower Hill offers auto insurance bundling options and if it is an excellent company to purchase commercial auto insurance.

Our detailed guide for Tower Hill Insurance in Gainesville, FL, provides contact information. It claims processes to company history and quote options, and we have the answers to your questions regarding Tower Hill car insurance. See our guide on how to file an auto insurance claim seamlessly.

Tower Hill Auto Insurance

The table below shows Tower Hill auto insurance monthly prices depending on age, gender, and how much coverage one wants. It points out that rates change significantly for different groups of people; younger drivers have to pay more for their insurance plans.

Tower Hill Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

Rates for the least coverage are always cheaper than full coverage. This is even more true for young drivers, with boys aged 16 and 18 paying the most. Their monthly costs can go up to $982 if they want full coverage.

Prices for insurance go lower as you get older, and when reaching 45 years old, the costs become more stable. For women, the least expensive option at this age is $113 each month. Older drivers, both men and women, like to have lower rates because they are seen as less dangerous for insurance.

Tower Hill Auto Insurance Monthly Rates by Driving Record

This table shows Tower Hill car insurance prices depending on driving history, showing how events change coverage costs. It looks at minimum and full coverage rates for different driving records, providing a clear view of possible price changes. Understand how auto insurance companies check driving records quickly.

Tower Hill’s Market Positioning in Coverage Pricing

The table shows how Tower Hill’s monthly prices compare with other well-known companies in the industry for two main coverage types: minimum and full. This simple comparison helps to understand how competitive Tower Hill’s plans are.

Tower Hill Auto Insurance Monthly Rates vs. Top Competitors by Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$61	$160
	$44	$117
	$53	$139
	$30	$80
	$68	$174
	$44	$115
	$39	$105
	$33	$86
	$37	$99
	$55	$135

Tower Hill’s monthly price for basic coverage is $55, putting it in the middle when compared to other leading choices. The cheapest one is Geico with a very low rate of $30, and Liberty Mutual has one of the highest prices at $68.

For full insurance, Tower Hill asks for $135. This price is cheaper than higher rates like Liberty Mutual’s at $174 but more costly compared to Geico’s fee of $80, which is the cheapest choice you can find. Allstate, Farmers, and Travelers are companies in the middle range. They offer various price options for minimum coverage plans as well as full coverage plans.

Tower Hill Auto Insurance Discounts by Savings Potential

Discount Type
Bundling	20%
Safe Driver	15%
Good Student	10%
Paid-in-Full	8%
Anti-Theft Device	5%
Paperless Billing	3%
Early Renewal	2%

The table above shows different discount options for Tower Hill auto insurance customers. Each type of discount gives a specific percentage off, helping policyholders to lower their total premium possibly. Uncover the best auto insurance discounts for good drivers right here.

Tower Hill Insurance’s Headquarters

Tower Hill Insurance is located at 7201 NW 11th Pl., Gainesville, FL 32605. The company also has over 850 partnered agencies throughout the state of Florida.

If you are looking for the closest Tower Hill Insurance location near you, the company does provide a search option on its website to find your local affiliate.

Tower Hill Insurance Agents

Tower Hill has agents throughout the state of Florida. The company has a search engine on its site that can assist you with finding the closest Tower Hill insurance agents near you. Tower Hill Insurance is partnered with over 850 insurance agencies throughout Florida, so chances are you will not have difficulty finding an agent in your area.

How to File a Claim With Tower Hill

Tower Hill Insurance claims can be filed online or by calling Tower Hill Insurance’s phone number for Claims Services at 1-800-342-3407. Claims documentation, such as Tower Hill Insurance photos, estimates, and receipts, can be emailed to [email protected]. Be sure to include your claim number in the subject line.

How to Get a Tower Hill Insurance Quote

Tower Hill has a quick quote and a search option for potential policyholders to receive Tower Hill homeowners insurance quotes, which are on its website. If you would rather a more personable approach, you can reach out a Tower Hill agent, at the phone number: 1-800-342-3407. Once again, an agent search option is available online to speak directly about estimates on your home or commercial property.

Even though Tower Hill does not offer auto insurance quotes, you can still get detailed auto insurance estimates in your area with our free online quote option. You only type in your ZIP code; we care for the rest. In no time, you’ll receive a list of quotes from your area’s top auto insurance companies. It is that simple. Get insights on how to check your auto insurance claims history now.

History of the Tower Hill Insurance Company in Florida

Tower Hill is a young company that began operations in 1972 with the same focus they have today on residential and commercial property insurance in the Florida region. Founded by W.T. Shively in Miami, Florida, like Mobile Home Insurance Associates, the company quickly partnered with Omega Insurance by 1987, expanding its operations outside the mobile home division to all residential and commercial properties.

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The Office of Coastal Management reports that in the Florida region, hurricanes have accounted for close to 14 percent of damaged property costs in the U.S. since 1986, 68.6 billion out of the measured 515.4 billion in catastrophic damage costs.

Tower Hill saw this need in the Florida insurance market for better coverage in case of catastrophic hurricanes and has been there for its policyholders for over 13 of Florida’s most devastating hurricanes.

Tower Hill Insurance’s popularity in the Florida region is warranted, given its track record in paying out claims following hurricanes. Tower Hill home insurance policy plans were structured to promote full coverage on both property and personal items.

According to the Insurance Information Institute (III), standard homeowner policies only provide 50–70 percent of the amount of insurance you take out on the structure of your home. Since hurricanes generally damage closer to 100 percent of residents’ property, Tower Hill adapted its homeowners’ insurance policies to offer additional coverage options for personal items under the Tower Hill Emerald Coverage.

The video below explains the Florida region’s need for such add-ons and endorsements.

Today, Tower Hill has continued its expansion, extending operations to out-of-state while merging with Hillcrest and Royal Palm Insurance divisions. It has even begun to rival larger insurance-affiliated companies, such as Frontline, having serviced over 1.7 million customers since the company’s inception.

Is Frontline a good insurance company? How does the rating of Frontline, a larger property insurance company in the Southeastern region of the U.S., compare with Tower Hill? The Tower Hill Insurance Demotech rating (a credit rating agency for regional insurance carriers) is an A superior rating, as Frontline’s.

What is Tower Hill Insurance Company rated by consumer agencies? Regarding customer reviews of Tower Hill Insurance, its BBB rating is a solid A+. It seems Tower Hill has emerged as the Southeastern front-runner for residential and commercial property insurance in the short time it has been in operation. See how auto insurance competition helps customers get lower rates effectively.

Evaluating Tower Hill Insurance: Key Pros and Cons

Tower Hill Insurance gives a big benefit to people living in Florida who need dependable protection for their properties. They have special choices that are good for tough weather situations.

• Property Coverage Strength: Known for solid home and business insurance options across Florida.
• Extensive Agent Network: Over 850 agents provide accessible, hands-on support throughout the state.
• Hurricane-Related Options: Unique coverage add-ons for residents in hurricane-prone zones.

Tower Hill is good for people living in Florida, but there are some things that future customers should consider.

• Limited Service Area: Tower Hill’s insurance is mostly available in Florida, so people living in other states find it tough to use their services.
• Online Claims Access: Making claims online has extra steps since there are not many options available. This can be a hassle for customers who know how to use technology well.

Tower Hill’s focus on the Florida area brings good advantages in that state, but these limits might make some people want insurance from companies with a bigger online or wider geographic presence. Explore top options on where to buy auto insurance online today.

Tower Hill’s Consumer Satisfaction Rating

This table highlights Tower Hill’s strengths in customer satisfaction and financial stability. It reflects a blend of consumer opinions and solid business ratings. Learn about the recommended auto insurance coverage levels for comprehensive security.

Tower Hill Insurance Business Ratings & Consumer Reviews

Ratings
	Score: 760 / 1,000 Avg. Satisfaction
	Score: A+ Excellent Business Rating
	Score: 80/100 Positive Customer Feedback
	Score: 0.68 Fewer Complaints Than Avg.
	Score: A- Strong Financial Stability

Tower Hill scores a 760/1,000 on J.D. Power, showing high customer satisfaction. A A+ business rating show company has very good name in industry, and Consumer Reports score of 80/100 mean customers give positive feedback. Tower Hill have low complaint ratio of only 0.68, showing it take care customer well. Finally, an A- from A.M. Best confirms its dependable financial footing.

Choosing Tower Hill for Localized Property Support

Tower Hill is a good choice for Florida property owners looking for robust, locally focused insurance options. Significant is their focus on hurricane coverage. The company does well in helping homeowners with local agents and policies that fit Florida’s unique risks. However, Tower Hill has a limited range of digital claim services, which some other insurers offer.

For people living in Florida, Tower Hill gives reliable insurance for homes and businesses. However, there might be better choices for those who want auto insurance that covers multiple states. In the end, Tower Hill is a good option if you need property protection focused on Florida because they have a solid network to meet local needs. Discover if owning a home affects auto insurance rates here.

Finding cheaper insurance rates is as easy as entering your ZIP code into our free quote comparison tool below.