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FAQs

Lighthouse has earned a Financial Stability Rating® of A, Exceptional, from Demotech, Inc., a well-respected insurance industry rating service. For more information about Demotech, Inc. visit their web site at www.demotech.com. Lighthouse has also met all FL DOI, LA DOI, NC DOI, SC DOI, and TX DOI requirements to operate as an admitted company in Florida, Louisiana, North Carolina, South Carolina and Texas.

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.

Contact your Lighthouse Agent to make any updates to your policy.

You can either submit a request with your Lighthouse Agent, or update your information online via our Customer Portal.

Yes, payment can be made via our Customer Portal. We accept ACH payment, Visa, Mastercard and Discover (service fee applicable with credit card payments).

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.

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.

We do offer flood coverage as a separate policy and, eventually, an endorsement that can be added to the policy.

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