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Lighthouse Property Insurance Reviews 2021

If you live in Texas, North Carolina, South Carolina, Florida, or Louisiana, Lighthouse Property Insurance Corporation may be the right home insurance provider for you. Keep reading to learn about the coverage and cost of a Lighthouse homeowners insurance policy.

Louisiana Home Exterior iStock

Lighthouse Property Insurance Corporation has been around for just over 10 years and offers a variety of insurance products and services, including homeowners insurance. Keep reading to learn more about Lighthouse home insurance and determine whether this provider is the best homeowners insurance company for you.

Pros and Cons of Lighthouse Home Insurance

Pros Cons
Pros Cons
Includes hurricane coverage in every policy Only available in Texas, Louisiana, Florida, North Carolina, and South Carolina
Offers unique endorsements, like golf cart and refrigerated personal property protection Doesn’t have a mobile app
Allows for a personalized customer service experience

Lighthouse Property Insurance Coverage

Lighthouse homeowners insurance protects against sudden events. Here are a few of the covered events listed on the company website:

  • Hurricane
  • Fire
  • Lightning
  • Windstorm
  • Hail
  • Explosion
  • Smoke
  • Vandalism
  • Theft

You will get six types of coverage in your Lighthouse policy:

  • Dwelling—This part of your policy will pay to rebuild your home if one of the events above were to damage it. You should purchase enough dwelling coverage to cover the entire rebuilding cost of your home, which can be determined by talking to a Lighthouse agent or local real estate appraiser.
  • Other structures—This protects detached structures on your property, like fences and sheds. Lighthouse will pay to rebuild these items if they’re damaged by a covered event.
  • Personal property—If your personal belongings are damaged, your policy will pay to replace them.
  • Loss of use/additional living expenses—If damage to your home is so severe that you have to live elsewhere during repairs, your policy will cover additional living expenses during that time, including the cost of a hotel room or temporary rental.
  • Liability—If you’re responsible for causing bodily injury or property damage to another person, Lighthouse will pay for the medical bills or repair costs. The company will also cover legal fees if you’re sued.
  • Medical payments to others—If a guest is injured on your property, you can file a claim to have the medical bills covered.

Depending on the state you live in and the independent agent you work with, you could receive coverage for jewelry, watches, furs, limited fungi and mold, silverware, goldware, pewterware, and ordinance or law at no additional charge.

Take a look at Lighthouse coverage options in North Carolina:

Sample Lighthouse Coverage

Type of Coverage Coverage Options
Type of Coverage Coverage Options
Dwelling 100% of rebuilding cost
Other structures 10% of dwelling
Personal property 50% of dwelling
Loss of use 20% of dwelling

Note: This coverage was based on a quote we received when using a North Carolina residence. To see what your options are for liability and medical payments to others coverage, talk to a local independent agent that sells Lighthouse insurance.

Lighthouse Additional Coverage

To make your policy more comprehensive, you can add additional coverage with these add-ons:

  • Additional personal property
  • Earthquake
  • Equipment breakdown
  • Extended theft
  • Golf cart
  • Identity theft expense and resolution
  • Personal property replacement cost
  • Refrigerated personal property
  • Special computer
  • Structures rented to others
  • Water backup and sump overflow

How Much Does Lighthouse Home Insurance Cost?

There’s no set price for Lighthouse home insurance because each premium is based on specific information about you and your home. Our team contacted a local agent in North Carolina to determine how much a policy from Lighthouse would cost.

Lighthouse Cost Breakdown

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $265,000
Other structures $26,500
Personal property $132,500
Loss of use $53,000
Liability $300,000
Medical payments to others $1,000
Deductible $1,000
Monthly cost $67.75

Lighthouse Discounts

There are eight discounts offered by Lighthouse that can help save you money on your policy:

  1. Age of dwelling
  2. Claims-free
  3. Companion policy
  4. Golden age
  5. New purchase
  6. Protective device
  7. Secured community
  8. Wind mitigation

Customer Service and Claims Support

You can manage your policy or file a claim online using your customer portal. If you would prefer to talk to a customer representative about general customer service or claims questions, you can call 888-544-4885. While there are Lighthouse claims professionals available 24/7, a representative will get back to you during regular business hours if your question is related to your policy.

Lighthouse Home Insurance Reviews

Lighthouse holds a rating of 2.2 out of 5 stars on WalletHub, a personal finance website that allows customers to review companies based on their experience. Take a look at what some customers said about Lighthouse:

“I am an insurance broker in Texas and have had [a] great experience with Lighthouse for the 5–7 years I have worked with them. Prompt, efficient, and fair claims services. My customers consistently give me great feedback about their claims. Also, the type of policy for the price they offer is an excellent value.” — Krissy J. on June 28, 2019

“Lighthouse has been the absolute WORST company to deal with. I live in NC and was badly damaged by Hurricane Florence. The adjuster they sent out lost all of our photos and info and had to come back putting us even farther behind. After his report, they didn’t want to do pretty much anything! We needed a whole new roof and lost one side of our house completely! Not to mention the damage to the inside! My husband and I had to hire a public adjuster to get even one dime from them.” — Tiff P. on March 11, 2019

Compare Lighthouse to the Competition

Provider Lighthouse QBE Amica
Provider Lighthouse QBE Amica
Our score 73.8 79.9 96.6
State availability 5* 47** 48***
BBB rating N/A N/A A+
Years in business 12 40 113
24/7 claims service
Protective devices/safety features discount
Mobile app X X

*Lighthouse is available in FL, LA, NC, SC, and TX

**QBE is not available in AK, HI, or FL

***Amica® is not available in AK or HI

Our Conclusion

If you live in Florida, Louisiana, North Carolina, South Carolina, or Texas and want a personalized customer service experience, Lighthouse may be the right home insurance provider for you. Because of how small the company is, you won’t have to worry about waiting on hold for hours or having your claim slip through the cracks. You’ll also receive coverage for six main types of homeowners insurance coverage and get access to more than 10 endorsement options.

The drawbacks of Lighthouse are that you have to purchase a policy through an independent agent instead of directly from the company. Lighthouse also has fewer years of experience than other insurance companies, and it lacks technological features like a mobile app and online chat function.

Before purchasing a Lighthouse policy, we recommend getting quotes from at least three insurance companies to compare your options. You can do this by inputting your zip code into the tool below.

Company Information

  • Company name: Lighthouse Property Insurance Corporation
  • CEO: Patrick White
  • Years in business: 12
  • State availability: 5
  • Address: 500 W 2nd Street, Suite 1900
  • City/State: Austin, TX
  • Zipcode: 78701
  • BBB rating: N/A

Our Methodology

The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

Frequently Asked Questions About Lighthouse Property Insurance

What other types of policies does Lighthouse offer?

In addition to home insurance, Lighthouse offers renters, condo, fire, and flood insurance policies to Florida, Louisiana, Texas, North Carolina, and South Carolina residents.

Can I buy an insurance policy directly through Lighthouse?

No. Lighthouse policies are only available through independent agents. If you click the “Agent Locator” tab on the company website, you can input your zipcode and find agents near you that sell Lighthouse insurance.

How do Lighthouse deductibles work?

In Louisiana, Texas, North Carolina, and South Carolina, you pay the same deductible regardless of the event. In Florida, you have a deductible for hurricanes and a deductible for all other perils.

Do most insurance companies cover hurricanes?

No. Most companies don’t cover natural disasters like floods, hurricanes, and earthquakes. Some home insurance companies, like Amica and Liberty Mutual, offer endorsements for these events, but Lighthouse is unique in that all of its home insurance policies come with hurricane protection.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.