Renters Insurance
Our homeowners products are designed with your Texas 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 (Texas)
Guidelines
Tenant HO-4 Program
Occupancy Type
Individuals renting a residence from the owner of the residence
Personal Liability
Up to $300,000
Loss Settlement
Actual Cash Value with Replacement Cost available
Personal Property
Up to $100,000 without the need for prior underwriting approval
Coverage
Named Peril
Fire PC
All protection classes accepted (including PTC 9 & 10)
Optional Coverages
Schedule Personal Property, Bed Bug, Earthquake, Identity Theft & Pet Damage
Prior claims
Multiple claims acceptance, will allow two claims in the past 3 years
* Package programs available (see below)
Aspen MGA will consider risks with the following characteristics, based on location and condition. Through Tower Hill Prime Insurance Company. An “A” Rated Company.
Download PDFProgram Package or Customize Coverage
| LIABILITY | BASIC | ESSENTIAL | PREMIER | |
|---|---|---|---|---|
| Personal Property | $10,000 | $20,000 | $30,000 | |
| Loss of Use | 20% | 20% | 20% | |
| Personal Liability | $100,000 | $100,000 | $100,000 | $300,000 |
| Medical Payments | $1,000 | $1,000 | $1,000 | $1,000 |
| Settlement Option | ACV | ACV | RC | |
| Enhanced Coverage | No | No | Yes | |
| Modified Coverage Limitation | Yes | No | No | |
| Theft Limitations | Yes | No | No |
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, and manufactured home 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 Insurance Group, LLC headquartered in Florida. Founded in 1972, Tower Hill 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. To learn more about Tower Hill Products click here.
