In This Review: Pros and Cons | Cost and Discounts | CoverageFiling a Claim | Customer Reviews | Conclusion | Comparison | Company Information | FAQ | Methodology

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.

Compare Homeowners Insurance Policies
Answer a few simple questions and we'll take care of the rest.



Pros and Cons of Lighthouse Home Insurance

Learn about the costs and benefits to insuring your home with Lighthouse:

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



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 CoverageAmount of Coverage
Other structures$26,500
Personal property$132,500
Loss of use$53,000
Medical payments to others$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



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 CoverageCoverage Options
Dwelling100% of rebuilding cost
Other structures10% of dwelling
Personal property50% of dwelling
Loss of use20% 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



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



Lighthouse Home Insurance vs. The Competition

See how Lighthouse stacks up against other top-rated providers:

Compare Lighthouse to the Competition

Our score$7479.996.6
State availability5*47**48***
BBB ratingN/AN/AA+
Years in business$1240113
24/7 claims service
Protective devices/safety features discount
Mobile appXX

*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.

Compare Homeowners Insurance Policies
Answer a few simple questions and we'll take care of the rest.



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



Frequently Asked Questions about Lighthouse



Our Methodology

The This Old HouseReviews team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.

With that in mind, we created an objective rating system to score each home insurance company. Here’s what that review process looked like:

  • We analyze the information on each company’s website. This allows us to determine what products and services are offered by each home insurance provider.
  • We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
  • We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.

With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:

  • Coverage (30): We rated home insurance companies higher if they offered the six main types of homeowner protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
  • State availability (7.5): Companies scored higher if they covered more states than their competitors.
  • Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
  • Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
  • Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau (BBB) ratings.
  • Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.

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.

To share feedback or ask a question about this article, send a note to our Reviews Team at