We protect your most valuable assets. Like peace of mind.

We know exactly what it takes to protect your family and home in Florida. Our local agents live and work here just like you, and they understand the unique property insurance challenges. We can help guide your way to the right policy whether you live along the coast or inland. And Lighthouse policies are always built with reliable coverage you can trust.
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Florida Insurance Policies

Homeowners Insurance
We are committed to providing you with the right home insurance to fit your specific needs. Our comprehensive policy includes property and liability protection, and is customizable with over a dozen options to help you determine the coverage needed.

That’s why we offer a menu of options for you to choose from, instead of a standard homeowners policy package.

Optional Coverages

Titanium Package
Our Titanium Policy Package provides the highest level of coverage protection, allowing you to add several enhanced coverages for one discounted price.

Equipment Breakdown and Service Line Coverage
Our optional equipment breakdown and service line coverages could save you money over costly home warranty plans.

Flood Insurance
Flood damage is not included in your homeowners policy. We recommend a flood insurance policy to keep your family and belongings protected in the event of a flood, which is considered the number one disaster in the United States.

Flood Insurance
Flooding is considered the number one natural disaster in America. Yet, homeowners insurance policies do not cover floods. In order to receive coverage in the event of a flood, a separate flood policy is needed. The truth is, anywhere it rains, it can flood. So, when you’re ready, we’re here for you.

Condo Insurance
Did you know your condo association’s master policy only covers limited parts of your unit? A condo insurance policy covers your personal property and permanently attached structures not covered by your association, such as kitchen cabinets, built-in appliances or wall-to-wall carpeting.

With our condo policy, we offer several options for customizing your policy to meet your needs.

Optional Coverages
Condo Policy Enhancements include:

  • Animal liability
  • Golf cart physical damage and liability
  • Loss assessment
  • Unit owner rental to others
  • Scheduled personal property
  • Personal property replacement cost
  • Water backup and sump overflow
  • Personal injury protection
  • Special personal property
  • Home computer
  • Ordinance or law

Renter’s Insurance
Did you know that your landlord’s insurance policy does not cover your personal property?

A renters insurance policy covers your personal property, such as valuables lost from events like theft, fire or water damage. This policy also covers your liability if someone is injured in your home and provides an allowance for living expenses, should you have to temporarily relocate during repairs.

To help assist you in determining how much personal property coverage is necessary, we recommend a home inventory checklist that includes estimated replacement costs.

Optional Coverages
Renters Policy Enhancements include:

  • Personal property replacement cost
  • Increased limit on personal property – other residences
  • Special personal property replacement cost
  • Animal liability
  • Personal injury
  • Home computer coverage
  • Increased liability and medical payments

Dwelling Fire Insurance
If you own a rental property, it’s important to understand how you can protect your investment with Dwelling Fire insurance. Our comprehensive policy offers more than a dozen optional endorsements so you can customize your landlord insurance coverage to meet the needs of your investment.

Optional Coverages
If you need protection for something that is not covered such as earthquakes or flood, optional coverages might be available to extend coverage for any gaps. Contact your Lighthouse agent to learn more about these options.

Dwelling Fire Policy Enhancements include:

  • Limited theft coverage
  • Personal property replacement cost
  • Sinkhole
  • Liability and medical payments
  • Screen enclosure and carport
  • Loss of use/loss of rent
  • Ordinance or law