A leading provider of residential property insurance in Florida, Tower Hill Insurance now offers stand-alone flood policies with coverage up to $5 million. Standard coverage through the National Flood Insurance Program (NFIP) is only available up to $250,000 for most homes.

Tower Hill’s new private flood program offers Florida homeowners significant advantages over standard NFIP policies.

  • Building replacement cost up to $5 million
  • Contents coverage up to $2.5 million
  • Additional living expense coverage
  • Single claims adjusting for wind and water damage
  • Payment plans

The program is currently available for single-family residences located in coastal counties, including secondary or seasonal homes. Coverage for inland county risks and condominiums will be available in the near future. For even greater flexibility, the Flood Plus package provides a range of expanded coverage limits for items such as artwork, collectibles, and business property. Customers may also choose from policy deductibles between $1,000 and $50,000.

Tower Hill Insurance

About Tower Hill Insurance


Founded in 1972, Tower Hill Insurance Group has become one of Florida's most trusted names in homeowners insurance. Our commitment to Florida homeowners has been proven again and again, as we weathered even the strongest storms - Hurricanes Andrew, Charley and Wilma - and helped our customers rebuild after each one.