Tower Hill is revising its underwriting guidelines for its Manufactured Homeowners Program in several states, including South Carolina, Texas, and Arizona, with effective dates set for October 1, 2025, for both new and renewal business.

In South Carolina, the filing (THSP-134612478) was approved on July 25, 2025, and focuses solely on rule updates—specifically revised underwriting guidelines. No changes to rates or forms were submitted, and there is no impact on existing premiums. The company earned over $6.1 million in premium in this line in the state, with a reported 0.25% market share.

In Texas, Tower Hill submitted a similar filing (THSP-134615779), currently under review, also focused on underwriting rule changes. The company has requested the same October 1 effective date. The filing includes a revised set of guidelines to align with current risk selection criteria.

In Arizona, the update (THSP-134617253) was acknowledged by the Department of Insurance on July 28, 2025. As a “use and file” state, Arizona allows insurers to implement changes while awaiting regulatory response. The updated underwriting matrix outlines several ineligible risks, including homes with solar panels, properties within 1,000 feet of rising water, and dwellings with certain heating sources or structural conditions.

All filings are part of Tower Hill’s ongoing efforts to standardize and modernize its manufactured home underwriting practices across its operating footprint.