something fishy
I was with Tower Hill also. I received a letter from them in June, indicating they are pulling their homeowners insurance out of Florida at the end of December this year. I had to find another insurance company. The company I went with in September indicated that i should sign up right away, because their company is rationing the number of homeowners policies they can write to 600 for their agency.
I would call Tower directly and see if is legitimate.
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