Tower Hill Prime Insurance Company has submitted an initial filing in Texas to introduce its Homeowners (HO-3) Program, effective for new business on January 1, 2026. The filing relies on ISO coverage forms and introduces a range of endorsements, including Increased Replacement Cost Coverage, Earthquake Coverage, Water Damage Exclusion, and Cyber Loss Exclusion.

The submission is accompanied by rate/rule, credit scoring model, and underwriting guidelines filings. Forms are designed to meet readability standards (e.g., Earthquake Coverage at 42.700) and use bracketed sections to allow administrative updates without re-filing. Coverage terms include definitions for “personally identifying information” in the context of online fraud and data breach, along with claim submission requirements and insurer response timelines.