Homeowners (available in Louisiana, South Carolina - 2013)
Your home is your most valuable asset and should be protected. Homeowners Insurance offers financial and liability protection of your home and possessions. At Lighthouse, we understand the unique insurance challenges to specific to LA and SC, and we’re here to assist you in providing the right type of insurance coverage for your needs.
A Lighthouse Homeowners policy covers loss or damage to dwellings and contents, including those resulting from a hurricane, fire, lightning, windstorm, hail, explosion smoke, vandalism, and theft. It also covers your increased living expenses in the event your home is damaged after a loss and can’t be lived in.
Our homeowner’s policy includes personal liability coverage which offers compensation for judgments, legal expenses, and medical costs when you are found liable for damages or injuries to others.
Condo (available in Louisiana)
For condominium owners, Lighthouse Condo provides comprehensive coverage for peace-of-mind protection. Our policy covers loss or damage to additional and alterations to the unit, including those resulting from a hurricane or other catastrophic event. We also cover your personal belongings in the event they are damaged or stolen, and we cover your increased living expenses in the event your home is damaged after loss and can’t be lived in.
Renters (available in Louisiana)
A Lighthouse Renter’s policy protects the personal property of someone renting an apartment, condo or home. The Renter’s policy is a package policy and includes property insurance covering damage to your belongings, personal liability insurance covering certain legal claims against you as the tenant, and limited coverage for medical expenses of guests who are inured on your property.
Dwelling Fire (available in Louisiana)
A Lighthouse Dwelling Fire policy protects owner-occupied and rental residences. These policies offer more limited dwelling and personal property coverage tailored to meet the needs of the individual property owners. Optional personal liability coverage for injury or damage to someone else’s property may be added to this policy.
Residential Wind & Hail Only (available in South Carolina)
The Lighthouse Wind and Hail insurance policy will protect selected owners* of coastal homes and condominium units against loss from hurricanes, windstorms, and hail. These disasters may result in direct physical loss or damage to the property.
Replacement cost coverage is available on contents for residences with replacement cost on the dwelling.
*Your agent will notify you if your home is eligible for this coverage.