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 provides Florida homeowners significant advantages over the standard NFIP policies, through our Flood Program:

  • Building replacement cost up to $5 million, with contents up to $2.5 million
  • Deductible options ranging from $1,000 to $50,000
  • Option for replacement cost on contents
  • Loss of Use $5,000
  • One adjuster; streamlined claims process for wind and water damage

The Tower Hill Flood Program is available exclusively through Lloyd’s, an Excess & Surplus Lines carrier, which holds a Financial Strength Rating (FSR) of “A” by A.M. Best Company.

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.