Tower Hill uses independent agencies to place business with us and service the policies.  We are not a direct-writer company that sells policies to the consumer.  Your agent controls your policy and can place it with any insurance carrier that you and your agent decide provides you with the best value.   Your agent may also place other policies for you and therefore has a comprehensive knowledge of your family’s exposures and all the insurance products you’ve purchased.
If you contact our Customer Service Center, we are pleased to provide assistance with billing. Tower Hill bills you or your mortgagee directly, and your agent is not responsible for that function. We can also help explain policy rating factors such as credits and surcharges, but we cannot recommend changes. If you would like to make a policy change or review your coverage options, we will ask you to speak to your agent because he or she has more complete knowledge of your insurance program. Your agent can also assist you with policy notices that require an explanation from our Underwriting Department.