Lighthouse Property Insurance
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Carrier appetite summary
Operational status: Lighthouse Property Insurance Corporation was declared insolvent and placed into liquidation by a Louisiana court on April 28, 2022, triggering guaranty association obligations in its operating states. The carrier is not writing new business and all in‑force policies have been or are being cancelled/non‑renewed in coordination with state guaranty associations and receivership orders. There is no current producer, agent, or underwriting appetite guidance for writing or renewing homeowners business, as the company is in liquidation rather than active operation.([tpciga.org](https://tpciga.org/lighthouse-property-insurance-corporation/?utm_source=openai)) Preferred / target business: Not applicable. Historical marketing pieces (e.g., private flood flyer) reference prior offerings in Florida but do not represent any active appetite or binding authority and should not be used for placement decisions.([lighthouse.insurance](https://www.lighthouse.insurance/wp-content/uploads/2021/02/LH_Florida-Flood-Flyer.pdf?utm_source=openai)) Restricted / declined classes: All new and renewal property business must be treated as declined because the company is insolvent and in court‑ordered liquidation. Agents should not quote, bind, endorse, or rewrite any risk with Lighthouse, regardless of occupancy, construction, protection class, or loss history. Existing policies should be moved to an alternative active carrier or residual market (e.g., relevant state FAIR plan or Citizens where applicable) in accordance with state guidance.([tpciga.org](https://tpciga.org/lighthouse-property-insurance-corporation/?utm_source=openai)) Geographic notes: Historically Lighthouse wrote homeowners in Louisiana, Florida, Texas, North Carolina, and South Carolina; all of these states are now handling claims and unearned premium through their respective guaranty associations following the liquidation order. Producers should follow each state guaranty association’s timelines for claim filing, suit stays, and policy cancellation/non‑renewal, and should not represent Lighthouse as an available market in any geography.([insurancejournal.com](https://www.insurancejournal.com/news/southcentral/2022/05/02/665582.htm?utm_source=openai)) Submission / broker instructions: There is no active submission channel. Agency and broker activity should be limited to: (1) assisting insureds with guaranty association claim procedures and documentation; (2) securing replacement coverage with other carriers; and (3) directing any questions about pending Lighthouse claims, unearned premium, or litigation to the court‑appointed receiver and/or the appropriate state guaranty association, using contact details published by those entities. No new applications, endorsements, or policy changes should be sent to Lighthouse, and producer portals, if still accessible, should not be used for new or renewal underwriting transactions.([tpciga.org](https://tpciga.org/lighthouse-property-insurance-corporation/?utm_source=openai)) Practical note for underwriters and brokers: Treat Lighthouse Property Insurance Corporation strictly as an insolvent, run‑off carrier. For operational purposes, mark the market as CLOSED in any comparative raters, internal market grids, or brokerage distribution lists. All underwriting guidance in internal manuals should be updated to remove Lighthouse as a viable option and to point front‑line staff to state guaranty association resources instead of any legacy Lighthouse underwriting manuals or appetite guides, which are now obsolete.