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Lighthouse Property Insurance Review 2020



Benefits

  • Opportunity to choose your own contractor
  • Multiple insurance rebates available
  • Dozens of additional coverage available a-la-carte
  • 24/7 telephone access to claim
  • Internal customer service team means that insurance service five-star service

Disadvantages

  • Coverage is limited to only five states
  • No protection if you choose a contractor outside the network
  four-insurance

Who is four-property insurance?

Based in Austin, Texas, Lighthouse Property Insurance got its start in Louisiana.

The company offers a range of coverages for homeowners, tenants and unit holders and associations. River and residential fire insurance policies are also available.

Politics is sold through a network of licenses and professional insurance agents.

They act as independent brokers, so they know of other options you can choose (including

Whether you have a routine claim or a catastrophic event, Lighthouse Insurance is prepared to handle anything.

They have maintained double-digit increases in gross premiums in recent years. Last year, they booked a total of $ 162 million in premiums.

In June 2020, Lighthouse Insurance merged with Prepared Insurance Company.

This both increased the geographic coverage while increasing the gross premium to $ 200 million.

The company also has an A Financial Stability Rating® from Demotech, Inc. which places them in the Exceptional category to financially cover all future claims.

Home Insurance made easy.

Agents not required

Get a quote and register online without talking to an agent, but we're here if you need us.

Get impartial insurance training from licensed experts and also avoid dubious sales calls.

Coverage in minutes.

You can get home insurance coverage within minutes of receiving your quotes and application.

What makes four-property insurance different?

Fyrförsäkring has some of the most tailored packages around.

No matter what life throws at you, fire insurance has coverage for that! And if you just want the basics, they will provide it too.

The company prides itself on flexibility so that you can customize your coverage in a way that suits both your needs and your budget.

For example, you can buy coverage for your personal home computer or lock if your keys are lost or stolen.

Alternatively, you can stick with basic packages that cover personal injuries and property damage.

The choice is entirely up to you, and if you have any questions, there is a team of independent representatives to help you weigh the pros and cons.

Features and Benefits

There are no features when choosing Lighthouse Insurance.

Before you buy, however, make sure that your eyes are not larger than your stomach.

You can stop buying more coverage than you need if you do not evaluate your risks carefully.

Flexible Coverage

With Lighthouse Insurance, you can buy a basic policy to c over just what it takes to get you back on your feet or prevent your finances from being put off by the unexpected.

Or you can choose from 16 additional benefits, including basic coverage, theft detection, equipment degradation, water backup and more.

Discounts Available

There can be a wide range of premiums and the more coverage you get, the more you pay.

Thankfully, Lighthouse Insurance has many discounts available.

At the time of writing this review, you may be entitled to up to 11 discounts, including receiving paperless bills, having specific ceilings, or being retired.

Choose your own contractor

You do not have to & # 39; You have to be stuck with an entrepreneur you do not know. Lighthouse Insurance gives all policyholders the opportunity to choose their own contractor.

If you have a previous relationship with someone you trust, you will be able to work with that person instead of having to trust a stranger.

There are two precautions for this feature:

  1. 1

    The payment amounts are based on Lighthouse's estimates in the contract.

  2. 2

    Using a contractor who is not previously approved invalidates all deductible discounts and guarantees. Product availability

    Policyholders have the ability to tailor their coverage to suit their needs.

    Whether you live on the coast or inland, you can adjust your insurance so that you only pay for what is relevant to your home and property.

    Lighthouse Insurance currently offers coverage in the following five states:

    • Florida
    • Louisiana
    • North Carolina

    Agents not required.

    Get a quote and register online without talking to an agent. But we're here if you need us.

    Undistributed, expert advice.

    Get impartial insurance training from licensed experts and also avoid dubious sales calls.

    Coverage in minutes.

    You can get home insurance coverage within minutes of receiving your quotes and application.

    Claims Process and Warranty

    Lighthouse Insurance has a simple seven-step claims settlement that begins with a telephone call. You can get a damages representative 24/7.

    Here is a brief overview of the process:

    1. 1

      Call Lighthouse Insurance on their toll free number.

    2. 2

      Prepare for your property control by taking pictures and taking an inventory of all your damaged items.

    3. 3

      Take the necessary steps to protect your home from further damage until repairs can be made. Save all receipts if you have to pay for something in your pocket. You can also arrange temporary accommodation arrangements if required.

    4. 4

      Meet your adjuster and provide all evidence of damage. Your adjuster will then prepare a report that estimates the total amount of damages that will be covered.

    5. 5

      An insurance reviewer reviews the report from the adjuster and the terms of your insurance. [19659073] 6

      You receive payment for all covered damages. Any damage that is not covered will be notified to you immediately.

    6. 7

      In some cases a follow-up inspection will take place. These occur if more damage is detected destroying the repair process that was not originally detected during the first field meeting.

    Taking Action

    Lighthouse Insurance is a growing and credible company. As of June 2020, they now have the authority to write policies in the state of Florida.

    They also recently made changes to their customer service team and chose to move this feature internally.

    They are an excellent option for your home and property insurance needs if you live in a covered area.

    Click here to learn more about Lighthouse Property Insurance.


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