1. Who is Lighthouse Property Insurance Corporation?
Lighthouse Property Insurance Corporation (Lighthouse) is a wholly owned subsidiary of Lighthouse Holdings, LLC, an insurance holding company. Lighthouse is approved by the Florida, Louisiana, North Carolina, South Carolina and Texas Departments of Insurance (DOI) to offer these products.
2. How do I file a claim?
You can file a claim 24/7 via the Customer Portal or by calling 888.544.4885. For more information on the claims process, please visit our Claims FAQs here.
3. What kind of reinsurance coverage does Lighthouse purchase?
All of our reinsurers have a Financial Stability Rating of “A-” (Excellent) or better by A.M. Best, or are fully collateralized. More information can be found on our Reinsurance page.
4. How can I update my mortgage company?
Contact your Lighthouse Agent to make any updates to your policy.
5. How can I update my contact information?
You can either submit a request with your Lighthouse Agent, or update your information online via our Customer Portal.
6. Can I pay my policy premium online?
Yes, payment can be made via our Customer Portal. We accept ACH payment, Visa, Mastercard and Discover (service fee applicable with credit card payments).
7. Who do I call if I need to add coverage to my policy (i.e., jewelry, computer, animal liability, etc.)?
There are several optional coverages (commonly known as endorsements), which enhance your basic homeowners policy offered by Lighthouse Property Insurance Corporation. Contact your agent to determine which coverage options are best for your needs and at what additional cost.
8. What is a deductible?
With a homeowner’s policy, a deductible applies to the property portion of the policy. A deductible is an amount you would have to pay out of your pocket before the insurance coverage kicks in for a covered loss. Under most Florida policies, you have two separate deductibles. One applies solely to hurricane-related losses (commonly known as the Hurricane deductible). One applies to all other perils (commonly known as the AOP deductible). Typically, the higher the deductible you select, the lower your premium payment is for the same coverage.
9. Does my homeowner’s policy cover damage caused by floods?
We do offer flood coverage as a separate policy and, eventually, an endorsement that can be added to the policy.