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

With a state as big and diverse as Texas, there are plenty of insurance challenges facing homeowners. Our local agents live and work here, so they understand exactly what it takes to protect your family and home. We can help guide your way to the right policy whether you live along the coast or inland. And every Lighthouse policy is built with the reliable coverage you can trust.
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Texas Insurance Policies

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.

A Dwelling Fire policy protects owner-occupied and rental residences by offering more limited dwelling and personal property coverage tailored to meet your needs. Optional personal liability coverage for injury or damage to someone else’s property may be added.

Flooding is the #1 natural disaster in America and can cause costly catastrophic damage. Homes located in coastal areas and “high risk” zones are usually required to carry flood insurance, however 25% of all flood claims are in “low risk” areas. Physical damage to your property from flooding is not covered under a standard homeowners policy and requires separate insurance. This policy covers flood damage including overflow of inland and tidal waters, mudflow, erosion along shoreline and rapid, unusual accumulation or runoff of surface water.

We all depend on mechanical and electrical equipment in our homes such as air conditioners, water heaters, appliances, etc. But if that equipment fails, repairs and replacements could be expensive. Whether you’re a renter or a high-value homeowner, Lighthouse offers an affordable alternative to costly home warranty plans to make sure you’re always covered.

To learn more about equipment breakdown insurance, explore these links:
Interactive Equipment Breakdown Microsite
Equipment Breakdown Coverage Explanation
Continued Coverage Explanation
Equipment Wear and Tear
Equipment Breakdown FAQs