Choosing an insurance carrier in Florida is not just about price. It is about confidence. Homeowners want to know their carrier understands Florida risk, has been here before, and will still be here after the next storm.
That is where Tower Hill Insurance stands apart.
For more than 50 years, Tower Hill has focused on one thing: protecting Florida homes through changing markets, evolving regulations, and some of the most destructive hurricanes on record.
A Florida Carrier with Deep Roots
Tower Hill was founded in 1972 with a clear mission to serve Florida homeowners. Unlike newer or out-of-state carriers still learning the complexities of Florida risk, Tower Hill brings decades of firsthand experience.
They have insured homes through Hurricanes Andrew, Charley, Irma, Michael, Ian, Milton, and many others. That history matters. It shapes how policies are written, how claims are handled, and how the company prepares for the future.
In a market where some insurers have scaled back or exited Florida entirely, Tower Hill has remained committed to serving this state and its homeowners.
Financial Strength That Matters When It Counts
Insurance is a promise, and that promise is only as strong as the company standing behind it.
Tower Hill maintains more than $383 million in surplus, supported by long-standing relationships with highly rated reinsurance partners. This financial foundation is designed to help the company respond not only to everyday claims, but also to large-scale catastrophic events that impact entire communities.
For homeowners, this means confidence that their carrier is positioned to pay claims and remain stable, even after a challenging hurricane season.
Claims Experience That Exceeds Expectations
Claims handling is where insurance becomes real.
Tower Hill’s claims performance reflects a strong focus on policyholder experience. Based on customer feedback, Tower Hill earned a 2024 Claims Net Promoter Score of 86, compared to an industry average of 45. In insurance, scores above 70 are considered excellent, placing Tower Hill basically at a “world class” level.
For homeowners, this translates into clearer communication, responsiveness during stressful situations, and a claims process shaped by decades of catastrophe experience.
Why We Trust Tower Hill for Our Clients
At Ricci Insurance Group, we are selective about the carriers we recommend. Our responsibility is not just to place coverage, but to help our clients choose insurers that will still perform when it matters most.
We trust Tower Hill because they have demonstrated long-term commitment to Florida, financial discipline, and a proven ability to handle claims after major storms. Their experience, stability, and consistency give us confidence that our clients are insured with a carrier that understands Florida homes and Florida risk.
When something goes wrong, our clients deserve a carrier that has been through it before and knows how to respond.
The Bottom Line
Tower Hill’s value is not based on trends or short-term market cycles. It is built on more than five decades of experience insuring Florida homes, a strong financial foundation, and a claims operation that consistently earns high marks from policyholders.
For homeowners looking for stability, experience, and a carrier that remains committed to Florida, Tower Hill continues to be a trusted choice.