Homeowners insurance is the most important step you can take to protect your home and belongings. A Lighthouse policy offers both property and liability protection. We cover loss or damage to your home and belongings, including from hurricane, fire, lightning, windstorm, hail, explosion, smoke, vandalism and theft. We also cover increased living expenses after a loss if your home can’t be lived in. Lighthouse policies include personal liability coverage, which compensates for judgments, legal expenses and medical costs when you are found liable for damages or injuries to others.