Insurer profile · Tower Hill · NAIC + CMS
Tower Hill Insurance
Tower Hill Insurance's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.
- F
- Reputation grade
- 2.12
- Complaint index
- 3
- States active
The verdict
Tower Hill Insurance earns a F reputation grade - a significantly worse record than peers, according to the NAIC's published complaint index, its ratio runs 2.12, above the 1.0 market average.
- F
- reputation grade
- 2.12
- NAIC complaint index
Graded on 1 of 3 measures: NAIC complaints. The score is rescaled across the measures available, so it is not directly comparable with a carrier graded on more of them.
How we calculated this grade →NAIC CIS filing desk
NAIC 18082 F · 15.2
GRADE-F · INDEX-HOT · DENIAL-NONE · RANK-WORST · PHOTO-FINISH · LINES-1 · BOOK-RICH
- GRADE-F F · 15.2
- INDEX-HOT 2.12
- DENIAL-NONE No CMS file
- RANK-WORST #59/72
- PHOTO-FINISH Oscar Health · D
- LINES-1 1 line
- BOOK-RICH 6/7 fields
Nearest complaint-index peer: Oscar Health (±0.02 index pts)
Instrument codes from this carrier’s NAIC Consumer Information Source filing: grade band, complaint index, CMS denial band, corpus rank, photo-finish peer, line book, and field completeness. Not an official NAIC rating.
Complaint-index neighbourhood around Tower Hill Insurance
Quietest and hottest poles plus nearest index peers, not a full NAIC corpus board reprint.
Tower Hill Insurance - complaint index neighbourhood
- Northwestern Mutual… · quietest 0
Northwestern Mutual… · quietest
0 complaint index
- Esurance (Allstate) · near
Esurance (Allstate) · near
2 complaint index
- Tower Hill Insurance · this carrier
Tower Hill Insurance · this carrier
2 complaint index
- Oscar Health · near
Oscar Health · near
2 complaint index
- Ambetter (Centene) · near
Ambetter (Centene) · near
2 complaint index
- Dairyland Insurance… · near
Dairyland Insurance… · near
2 complaint index
- Gainsco Insurance · hottest
Gainsco Insurance · hottest
4 complaint index
What this shows According to PlainInsurer's dataset, Tower Hill Insurance has a lower (better) NAIC complaint index than 18% of the 72 rated insurers it tracks and ranks #13 of 17 carriers by complaint ratio in Home Insurance.
Where Tower Hill Insurance sits on complaints
- Best in data 0
Lowest complaint index in PlainInsurer's dataset: 0.23
0 complaint index
- Market avg 1
Market average complaint index = 1.0 (NAIC benchmark)
1 complaint index
- Tower Hill Insurance
Tower Hill Insurance: complaint index 2.12
2 complaint index
- Worst in data
Highest complaint index in PlainInsurer's dataset: 3.87
4 complaint index
What this shows Tower Hill Insurance's complaint index of 2.12 is 112% above the 1.0 market average for a carrier of its size.
Tower Hill Insurance vs. the full rated-insurer dataset
212% 18th percentile more affordable than 18% of 72 rated insurers
Each bar is a band; taller bars hold more rated insurers. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source NAIC published complaint index (2024) · 2024
Scale vs. complaint-adjusted score
Complaint record by line of business
| Line | Est. complaints | Complaint index | States active |
|---|---|---|---|
| Home Insurance | ~787 | 2.12 | 3 |
Home insurance market share
National ranking by direct written premiums, NAIC 2024
What the NAIC filing desk shows for Tower Hill Insurance
According to PlainInsurer's dataset, Tower Hill Insurance has a lower (better) NAIC complaint index than 18% of the 72 rated insurers it tracks and ranks #13 of 17 carriers by complaint ratio in Home Insurance.
Tower Hill Insurance is outside the CMS marketplace file, but the claim-denial rate ranking shows what that data reports for the carriers it does cover. How complaint indexes place Tower Hill Insurance.
Nationwide insurers with similar scores or complaint volume
Two corpus-wide peer sets for Tower Hill Insurance: nearest national-scale carriers by composite score and by NAIC complaint volume. These are cross-market neighborhoods, not the corporate-family list or same-grade chips above.
Similar composite score
Nearest carriers by composite score (15.2 here). Floored at 50+ complaints and 5+ states.
Similar complaint volume
Nearest carriers by NAIC complaint count (787 here). Deduped against the score peers so the two sets stay distinct.
Questions about Tower Hill Insurance
What does Tower Hill Insurance's grade mean?
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Verify Tower Hill Insurance
Tower Hill Insurance is filed with the NAIC under company number 18082. Search that number directly in the NAIC's own public consumer-information tool to cross-check this page against the primary source.
Verify on NAIC Consumer Information SourceSource: NAIC published complaint index data Complaint index, reputation grade for Tower Hill Insurance · 2024
Share, download, and related pages for Tower Hill Insurance
Download the data behind this page
The full PlainInsurer extract, covering every insurer including Tower Hill Insurance, is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.
Data: NAIC published complaint index (2024). Not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.