Dwelling Fire Program

Our homeowners products are designed with your clients in mind. We offer key coverages and policy options not readily available through national insurors; with competitive prices your customers will appreciate.

Coverages & Options


DP1 Program


Age of home

No restrictions

80 years old or newer

Home value

Up to $500K | Up to $1M for vacant homes

Up to $500K for rental | Up to $1M for seasonal and vacant homes

Occupancy type

Owner-occupied; seasonal; rental; not a residence; vacant

Rental; seasonal; vacant


Named perils

Comprehensive; water included


Comprehensive personal or premises up to $500K

Comprehensive personal or premises up to $500K

Fire PC

Any protection class, including classes 9 & 10

Any protection class, including classes 9 & 10

Prior claims

Multiple claims acceptable

Multiple claims acceptable

Loss settlement

Actual cash value (ACV)

Replacement cost for home and other structures; ACV for contents with replacement cost optional

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A Proud Partner of Tower Hill Specialty

Tower Hill Specialty offers a unique blend of industry experience and broad Underwriting appetite for niche markets often underserved by national insurers. Our specialty homeowner, dwelling, manufactured home and condominium products provide key coverages and policy options at competitive prices. Our targeted programs provide access to a market specializing in often challenging to place risks.

Tower Hill Specialty, LLC is a subsidiary of Tower Hill Specialty Insurance Group, LLC headquartered in Florida. Founded in 1972, Tower Hill Specialty Insurance, is a leader among residential and commercial property insurers in the Southeast. Financial strength, product experience, a comprehensive reinsurance program and exceptional claims service are core business strategies of the organization. Learn more about Tower Hill Specialty.

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