What is Tower Hill Exchange

| Tower Hill Insurance Exchange

Insurance for Floridians,
by Floridians!

Learn More ↓

2025 Exchange Annual Report

2025 ended quietly, which is not a bad thing from an insurance standpoint. We can thank Mother Nature for being kind to all of us who call Florida home.

As a member, we will always do our best to provide you with the best-in-class products and services. You’ve asked for more options to easily manage your policy or file a claim. We listened and delivered an easy-to-use mobile app—those using our app love it!

We’ve also working on adding to our product offerings, to provide you with options to bundle your insurance policies for additional premium savings. To learn more, be sure to read our annual report.

With questions about Exchange or this annual report, please call our Customer Service Center at 800-342-3407. If you have questions about your Exchange policy coverages, please contact your insurance agent for assistance.

View Annual Report →

  • Introducing Tower Hill Insurance Exchange

    Tower Hill Insurance is pleased to announce the formation of its newest risk-bearing entity, Tower Hill Insurance Exchange (“the Exchange”). The Exchange is a reciprocal insurer whereby the policyholders, also known as members, insure each other and share in the underwriting profits generated via subscriber savings accounts.

  • Why THIE?

    Tower Hill Insurance Exchange still has the same management team and strong member service that we’ve been providing for over 50 years. The Exchange currently holds a Demotech, Inc. Financial Stability Rating® of “A” (Exceptional) and aims to bring additional capacity to the Florida residential property marketplace during this unsettled time of dramatically rising premiums and declining coverage availability.

  • What’s a Subscriber Savings Account?

    As a member, you will receive a personal savings account, known as a Subscriber Savings Account (SSA), that will grow with the success of Tower Hill. This account will be established at a future date contingent upon the Exchange’s profitability and provides value to you when the company grows and prospers.

Related Documents

Document Icon

Sample Subscriber’s Agreement

THIE Attorney-in-Fact Agreement

Attorney-in-Fact Agreement

THIE Subscribers' Advisory Committee Charter

Subscribers Advisory Committee Charter

Subscriber Savings Accounts

Subscriber Savings Accounts Video Thumbnail

Get a Quote




    Frequently Asked Questions

    Tower Hill Insurance Exchange is dedicated to providing the same outstanding customer service and claim service that Tower Hill has afforded Florida customers since 1972. Uniquely, the Exchange is organized as a “reciprocal insurer,” which means you as a member become a part owner in the Exchange. Below we’ve included answers to frequently asked questions about the Exchange.