Tower Hill Insurance can trace its roots to 1972 when W.T. Shively founded Mobile Home Insurance Associates as a small insurance agency focused on providing insurance to owners of mobile homes in Southern Florida. With more than 50 years of experience and more than two million policyholders served, Tower Hill Insurance has grown from humble roots to become a leading insurer. Tower Hill Insurance has a focus on the mobile and manufactured home markets. Through the subsidiary Tower Hill Specialty (“Tower Hill”), Tower Hill provides mobile home insurance, manufactured home insurance, RV park model insurance, and modular home insurance. With its unique history, deep understanding of the mobile and manufactured home industry, and widely available coverage, Tower Hill is a preferred partner of National Mobile Home Insurance. National Mobile Home Insurance offers Tower Hill personal lines insurance products to its customers in Alabama, Arkansas, Arizona, Georgia, Indiana, Louisiana, Michigan, Missouri, Mississippi, North Carolina, Ohio, South Carolina, Tennessee, Texas, and Wisconsin.

Coverage, Discounts, & Payment Options

While coverage, discount, and payment options, limitations, and exclusions will vary by state and customer selection, Tower provides coverage options for all mobile and manufactured home occupancy types:

• Primary
• Seasonal
• Vacant
• Landlord
• Vacation rental
• Tenant

In addition to included base coverages, Tower Hill customers can modify their policies by selecting from a broad range of optional coverages and deductibles. Some available optional coverages:

• Replacement cost settlement for homes 30 years old or older
• Replacement cost settlement for homes under 30 years old
• Extended replacement cost for homes under 30 years old
• Inflation guard that automatically increases coverage for the home and other insured structures to keep pace with increasing costs.

Tower Hill offers its customers various ways to save:

• Discounts for the same agency auto policy (i.e., those insureds who maintain auto coverage with the same agent who they purchased their mobile home coverage from)
• Claims free for the past three years
• Paid in full policy
• Protective devices (e.g., connected security systems, etc.)
• Electronic document election.

For more information on specific coverage, deductible, and discount options, contact one of National Mobile Home Insurance’s licensed agents at 800-388-6780.

What makes Tower Hill’s mobile and manufactured home product offering unique?

In addition to servicing standard mobile and manufactured home customers, Tower Hill offers coverage options to individuals underserved by the general insurance markets. While certain limitations and exclusions will apply, they accept homes

• Most ages
• Homes in all protection classes. (including those that are not visible from the road)
• Offer coverage for coastal properties. (wind and hail exclusions may apply)
• Have no acreage limits for insured property.
• Offer optional coverage for hobby farming.
• Accept customers who have multiple claims.
• Have no limitation on the number of rental properties a policyholder can have.
• Offer coverage for stationary travel trailers.
• Offer coverage for tiny homes on wheels.

The post Tower Hill appeared first on National Mobile Home Insurance.

• Arizona
• Texas
• New Mexico
• Nevada

Unique Offerings

While certain limitations and exclusions apply, Standard Casualty accepts mobile homes of most ages, makes, and models. They offer coverage for mobile homes on private land and in parks. They offer coverage for mobile homes on owned and leased land.

Coverage, Discounts, and Payment Options

While limitations, exclusions, and options for coverage, discounts, and payments will vary by state and customer, Standard Casualty provides coverage options for most mobile and manufactured home occupancy types including primary, landlord, rental, vacation, and seasonal.

With a focus exclusively on mobile and manufactured homes, Standard Casualty has built a base mobile home insurance policy that offers more coverage than most carriers. Their typical comprehensive all-risk policy includes coverage for floods, earthquakes, change of a home’s location, additional living expenses, fire department service, and fees, emergency removal services, debris removal, radio and TV antennas, food spoilage, plants, trees, shrubs, and lawns.

In addition to included base coverages, Standard Casualty customers can modify their policies by selecting a broad range of coverages tailored to meet their needs. Some of the optional coverages available include replacement cost on the home and contents, replacement cost on personal property, replacement cost on adjacent structures (e.g., decks, sheds, skirting, satellites, air conditioners, etc.), coverage for collectibles (e.g., coins, jewelry, firearms, etc.), and increased coverage limits for personal liability up to $300,000.

Standard Casualty offers several ways for customers to save money including discounts for customers 50 years old and older and for full-time residency in a multi-section manufactured home. Standard Casualty offers its customers various payment options such as paying in full, escrow billed, and installment plans.

Claims

Standard Casualty has an excellent reputation in claims handling. They take pride in managing an efficient and satisfactory claims-handling process and monitor their performance by sending surveys for all processed claims. Unlike many carriers, Standard Casualty has an internal claims-handling staff with extensive experience settling mobile and manufactured home insurance claims. The average tenure of their claims staff is over ten years.

The Standard Casualty Story

Standard Casualty has more than 50 years of mobile home insurance experience and is actively involved with the Texas Manufactured Housing Association. Founded in 1961 and based in Texas, they exclusively insure mobile homes, manufactured homes, and modular homes. They offer coverage to owners of mobile, manufactured, and modular in Texas, Arizona, New Mexico, and Nevada. Their limited geographic presence allows them to focus on building products that meet the unique needs of mobile home and manufactured homeowners in the southern and southwestern United States. Standard Casualty, owned by Cavco Industries, is one of the nation’s largest producers of manufactured homes, mobile homes, RV Park Model homes, cabins, and vacation homes.

The post Standard Casualty Company appeared first on National Mobile Home Insurance.