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
Current operational status: Public regulatory and trade commentary indicates Lighthouse Property Insurance Corporation/Company experienced financial distress and market exit activity in recent years (including policy transfers and non‑renewals), and no current, official homeowner underwriting or appetite guide is published for agents or brokers. The carrier site that remains live is primarily corporate/HR and consumer‑facing; it does not contain an up‑to‑date producers’ underwriting manual, appetite guide, or submission instructions. Historical materials (e.g., old blog posts such as the “May Underwriting Corner” article referencing PEX plumbing eligibility in 2014) are explicitly labeled as non‑authoritative and not to be construed as general underwriting guidelines. Because there is no current, verifiable homeowners underwriting or producer guidance from the carrier, you should treat Lighthouse Property Insurance as closed to new standard homeowners submissions and not rely on any historical rules (construction year cutoffs, plumbing/electrical/roofing criteria, etc.) for present‑day placement decisions. Practical guidance for brokers/agents (operational): - Preferred / target business: No current public target‑risk description is provided; do not assume any preferred class appetite for new homeowners business. - Restricted or declined classes: In practice, treat all new homeowners placements as ineligible unless you have explicit, current written instructions from a live Lighthouse underwriter or program administrator. - Geographic notes: Historical writings referenced Florida and other coastal states, but there is no current, authoritative state or territory list or coastal distance guidance; do not rely on legacy information for quoting. - Submission requirements: No current submission, documentation, or inspection‑photo requirements are posted for agents. Any past expectations referenced in legacy or third‑party materials should be considered obsolete. - Broker/producer instructions: There is no active producer portal or agent manual on the public site. Agents should not bind or market Lighthouse homeowners coverage without direct confirmation from the carrier or an appointed intermediary that the program is live and accepting business, along with up‑to‑date written underwriting rules. Operationally, for 2026 placement work, move Lighthouse homeowners risks to alternative admitted or E&S markets unless you receive new, explicit program documentation from the carrier or an MGA that has current capacity and guidelines in writing.