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
Official site review indicates Lighthouse Property Insurance is no longer writing new business; the current website is a receivership/liquidation information page with guaranty association claim contacts rather than an active producer submission portal. Historical official underwriting content still published on the site shows prior homeowners appetite focused on owner-occupied residential property, with Lighthouse approved historically in FL, LA, NC, SC, and TX. Preferred/eligible characteristics shown in archived underwriting pages include single-family dwellings and duplexes, homes insured to 100% replacement cost unless written on ACV or renters forms, and PEX plumbing only when original construction year is 2002 or newer. Restricted/declined or ineligible classes/exposures listed on official underwriting pages include risks with ineligible/aggressive dog breeds; multifamily dwelling fire risks larger than duplexes; burglar bars without quick-release mechanisms; trampolines, jet skis, skateboard/bicycle ramps, diving boards, pool slides, unfenced or poorly maintained pools; ATVs without separate ATV liability coverage; missing or unsafe handrails/guardrails; stairs/decks in disrepair; exotic pets, livestock, saddle/farm animals; home businesses with client or employee foot traffic; paid child care/day care on premises; and trip/fall hazards from damaged walkways or clutter. Additional historical underwriting notes include full insured loss history disclosure at all locations, not just the insured location; flood insurance required for Special Hazard Flood Zones (A or V zones) with limits equal to the dwelling limit or maximum available flood limit, whichever is greater; and dwelling fire personal liability eligibility limited to individual named insureds owning no more than 4 total properties, with no optional personal liability for owners of 5+ properties or non-individual ownership entities such as LLCs, trusts, estates, or land trusts. Submission/producer instructions shown on official pages are also historical: coverage could be quoted/bound up to 60 days in advance; post-bind support for discounts required documentation such as wind mitigation affidavits/photos, IBHS documentation, and proof of renovations; agencies were expected to retain all other supporting documentation and provide it on request or on referred risks; document uploads, underwriting memo responses, photos, and change requests could be sent through the policy document upload function; and certain discounts such as book transfer and affinity required Lighthouse pre-approval through a marketing representative. Operationally, treat this carrier as inactive for new submissions unless a separately verified appointed-channel reopening is confirmed outside the public site.