Lighthouse Property Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Lighthouse’s public site is now primarily a receivership/liquidation information site, so current new-business appetite appears inactive on the verified public website. The provided underwriting-page URL could not be re-verified as live during this refresh, but multiple official legacy Underwriting Corner pages remain accessible and indicate historical/homeowners eligibility guidance. Published guidance shows preference for standard personal residential property with full replacement-cost insurance; unless written on an ACV or renters form, dwellings were required to be insured to 100% replacement cost. In Dwelling Fire, Lighthouse stated it was only accepting single-family dwellings or duplexes; 3-4 family structures and apartment buildings were ineligible. Liability-related ineligible or restricted exposures included trampolines, jet skis, skateboard/bicycle ramps, diving boards, pool slides, unfenced or poorly maintained pools, ATVs without separate liability coverage, missing or unsafe rails/stairs/decks, exotic pets/livestock/farm animals, aggressive dogs and certain dog breeds, businesses with client/employee foot traffic on premises, daycare operations, and trip/fall hazards. Additional property restrictions included burglar bars unless equipped with quick-release mechanisms. Flood requirements were explicit: risks in Special Hazard Flood Zones (A or V) were required to maintain flood insurance, with limits equal to the dwelling limit or the maximum available flood limit, whichever was greater; agents were instructed to retain current flood dec pages at renewal. Submission/underwriting requirements included disclosure of the insured’s complete loss history at all locations, not only the insured premises, and quote/bind availability up to 60 days in advance. Producer instructions stated that wind-mitigation and similar credits should not be applied without required supporting documentation; trailing documents such as wind-mitigation affidavits, photos for hip-roof credit, IBHS documentation, and proof of updates for renovation discounts were required after binding, while all other eligibility support had to be retained in agency files and produced on request or at referral. On Dwelling Fire, optional personal liability was limited to individual named insureds owning no more than four total properties; entities and insureds with 5+ properties were ineligible for that liability option. Discounts such as affinity/book transfer required Lighthouse pre-authorization. Broker note: the site now prominently posts liquidation orders and guaranty-association claim instructions, so treat the legacy underwriting content as historical/publicly posted guidance rather than evidence of an active current appetite.