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
No current, carrier-published underwriting, appetite, or producer guidelines for Lighthouse Property Insurance Corporation are available on the public site at lighthouse.insurance or through recent web archives. The only Lighthouse-hosted underwriting-related content located is generic job/role language for an underwriter position and an old "Underwriting Corner" article that explicitly states it should not be construed as underwriting guidelines. Additionally, regulatory and market information indicates Lighthouse Property Insurance Corporation’s authority in Florida ended in 2022 and the company has been in runoff/receivership, so any historical rules are no longer operational for new business. Operational implications as of April 1, 2026: - Preferred business: No current targets or preferred classes are published. Do not assume any appetite for new homeowners business under the Lighthouse Property Insurance brand. - Restricted/declined classes: Practically all new homeowners risks should be treated as not acceptable to place with this carrier due to its regulatory status and lack of active product guidelines. Existing in‑force policies (if any remain via runoff or assuming carriers) must follow the assuming carrier’s or servicing entity’s rules, not Lighthouse’s historical guidelines. - Geographic notes: Historical operations were concentrated in Louisiana and Florida, with evidence of withdrawal and license termination in Florida as of 2022–2023; there is no indication of active personal property programs in any state under the Lighthouse Property Insurance Corporation paper today. - Submission requirements: No active agent, producer, or submit‑business instructions are published. Agents should not submit new homeowners business to Lighthouse Property Insurance and instead follow the placement instructions of current active markets. Any legacy agency portal links encountered appear tied to third‑party/heritage platforms and do not provide usable current underwriting criteria. - Broker/producer instructions: There are no valid, up‑to‑date producer guides, appetites, or bulletins available from the official site. Treat any old Lighthouse underwriting bulletins or marketing pieces as obsolete and non‑binding. Net guidance: Treat Lighthouse Property Insurance Corporation as non‑marketable for new homeowners placements and rely on currently active carriers’ guidelines instead. For any residual book or assumption arrangements, follow the successor/assuming carrier’s underwriting, not Lighthouse’s legacy rules.