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)


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


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.

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Program Package or Customize Coverage

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, manufactured home and condominium 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. Learn more about Tower Hill.

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