Unique Market. Broad Appetite.

As a niche provider of specialty personal lines property insurance, Tower Hill Specialty offers residential insurance coverage for risks that are often underserved by conventional national carriers.

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Why Tower Hill Specialty?

Tower Hill Specialty is committed to providing excellent claims service and ensuring ease of use for both our strategic partners and policyholders. Our targeted programs provide access to a market specializing in often challenging-to-place risks. This allows producers the opportunity to focus on their primary product lines and helps drive higher overall customer retention.

Products

Tower Hill Specialty offers a range of coverages for homes valued up to $500,000, including seasonal and rental occupancies. Coverage is also available for vacant homes valued up to $1 million.

Recognizing that homes built midcentury or earlier may have experienced multiple claims, we provide actual cash value settlement with replacement cost as an option in most programs. Comprehensive Personal and Premises Liability with limits up to $500,000 are available.

Tower Hill Specialty Rollout Map

Homeowners

GuidelinesHO3 Program
Age of home80 years of age and newer
Home valueUp to $500K
Occupancy typeOwner-occupied and seasonal; occasional rental coverage available
CoverageComprehensive
LiabilityComprehensive personal or premises up to $500K
Fire PCAny protection class (incl. 9 & 10)
Prior claimsMultiple claims acceptable
Loss settlementReplacement cost for home and other structures; ACV for contents with replacement cost optional

Dwelling

GuidelinesDP1 ProgramDP3 Program
Age of homeNo restrictions80 years of age and newer
Home value & occupancy typeUp to $500K for owner-occupied; seasonal; rental
Up to $1M for vacant homes
Up to $500K for rental
Up to $1M for seasonal and vacant
CoverageNamed perilsComprehensive; water included
LiabilityComprehensive personal or premises up to $500KComprehensive personal or premises up to $500K
Fire PCAny protection class (incl. 9 & 10)Any protection class (incl. 9 & 10)
Prior claimsMultiple claims acceptableMultiple claims acceptable
Loss settlementActual cash value (ACV)Replacement cost for home and other structures; ACV for contents with replacement cost optional

Manufactured

GuidelinesMHO Program
Age of homeNo restrictions
Home valueUp to $300K
Occupancy typeOwner-occupied; seasonal; rental; tenant; and vacant
CoverageComprehensive MHO
LiabilityComprehensive personal or premises up to $500K
Fire PCAny protection class (incl. 9 & 10)
Prior claimsMultiple claims acceptable
Loss settlementStated value with replacement cost optional

Condominium

GuidelinesHO6 Program
Age of homeNo restrictions
Home valueUp to $500K
Occupancy typeOwner-occupied; seasonal; short-term rental; vacant units can be placed in the Dwelling Basic (DP1) program
CoverageNamed peril for dwelling and personal property
LiabilityPremises liability $100,000 included, with options for $300,000 or $500,000
Fire PCAny protection class (incl. 9 & 10)
Prior claimsMultiple claims acceptable
Loss settlementReplacement cost for dwelling; ACV for contents with replacement cost optional
Homeowners
GuidelinesHO3 Program
Age of home80 years of age and newer
Home valueUp to $500K
Occupancy typeOwner-occupied and seasonal; occasional rental coverage available
CoverageComprehensive
LiabilityComprehensive personal or premises up to $500K
Fire PCAny protection class (incl. 9 & 10)
Prior claimsMultiple claims acceptable
Loss settlementReplacement cost for home and other structures; ACV for contents with replacement cost optional
Dwelling

DP1

GuidelinesDP1 Program
Age of homeNo restrictions
Home value & occupancy typeUp to $500K for owner-occupied; seasonal; rental
Up to $1M for vacant homes
CoverageNamed perils
LiabilityComprehensive personal or premises up to $500K
Fire PCAny protection class (incl. 9 & 10)
Prior claimsMultiple claims acceptable
Loss settlementActual cash value (ACV)

DP3

GuidelinesDP3 Program
Age of home80 years of age and newer
Home value & occupancy typeUp to $500K for rental
Up to $1M for seasonal and vacant
CoverageComprehensive; water included
LiabilityComprehensive personal or premises up to $500K
Fire PCAny protection class (incl. 9 & 10)
Prior claimsMultiple claims acceptable
Loss settlementReplacement cost for home and other structures; ACV for contents with replacement cost optional

Manufactured
GuidelinesMHO Program
Age of homeNo restrictions
Home valueUp to $300K
Occupancy typeOwner-occupied; seasonal; rental; tenant; and vacant
CoverageComprehensive MHO
LiabilityComprehensive personal or premises up to $500K
Fire PCAny protection class (incl. 9 & 10)
Prior claimsMultiple claims acceptable
Loss settlementStated value with replacement cost optional
Condo
GuidelinesHO6 Program
Age of homeNo restrictions
Home valueUp to $500K
Occupancy typeOwner-occupied; seasonal; short-term rental; vacant units can be placed in the Dwelling Basic (DP1) program
CoverageNamed peril for dwelling and personal property
LiabilityPremises liability $100,000 included, with options for $300,000 or $500,000
Fire PCAny protection class (incl. 9 & 10)
Prior claimsMultiple claims acceptable
Loss settlementReplacement cost for dwelling; ACV for contents with replacement cost optional

Leadership

Manny Rios

Manny Rios

Chief Executive Officer

Mr. Rios has more than 30 years of experience and began his career with Allstate in 1985 as a financial analyst. During his 14 years there, he held several different leadership roles across multiple functions from Underwriting to Marketing. Mr. Rios left Allstate in 1999, when he joined Homesite Insurance Group as Chief Underwriting Officer. He has also served as Senior Vice President and Chief Underwriter for USAA, Chief Executive Officer for American Modern Insurance Group, and Chief Executive Officer for Telesure Investment Holdings.

Mr. Rios holds a Master’s degree in Organizational Behavior from the University of Incarnate Word in San Antonio, Texas, and a BA in Business Administration from Benedictine College in Atchison, Kansas.

John Spritzky

John Spritzky

Chief Underwriting Officer

Mr. Spritzky has more than 20 years’ experience in the insurance industry. With the exception of a two-year period with Great American Insurance Group from 2001 to 2003, he has spent his career with American Modern Insurance Group, where he has held various positions in Claims, Underwriting, Sales, and, most recently, Vice President of Product Management.

Mr. Spritzky holds a Bachelor of Arts in Business Administration from Hanover College and has industry designations of CPCU and CIC.

Naren Kanteti

Naren Kanteti

Chief Operating Officer

Mr. Kanteti has over 20 years of experience in the Information Technology domain, with the last 15 years focused in the financial services industry. Prior to joining Tower Hill Specialty in 2017, Mr. Kanteti held positions of Software Engineer with Emerson Electric Company, Technology Architect with Fifth Third Bank, Senior Director of IT with American Modern Insurance Group, and Vice President of Transformation Programs with Western Southern Financial Group.

Mr. Kanteti holds a Master’s degree in Finance and MBA from Indiana University and a Bachelor’s degree in Engineering from Osmania University in India. He received his CPCU designation in 2016.

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MAILING

PO Box 147018
Gainesville, FL 32614

PHONE

Tower Hill Specialty is a subsidiary of
Tower Hill Insurance Group, LLC.

Copyright © 2018 Tower Hill Specialty Group.