June 1^st is a date that strikes fear and apprehension for most insurance professionals. Hurricane Season begins on June 1^st each year and runs until the end of November, however, hurricanes can form earlier than June 1^st and continue into December depending on the temperature of the water and the conditions of the ocean. If conditions are “right,” a hurricane can[...]

Swimming pools are a great way to cool off during the hot summer months and a perfect setting for birthday parties or BBQs, but are you covered if a guest is injured while using your pool? What kind of liability coverage does your homeowners policy provide? If you’re not sure, take the time to review these three items and talk to a local Lighthouse agent to review[...]

Home renovations are exciting, but they can also be very stressful. We choose to remodel for many reasons. Whether you are renovating due to updating an old structure, adding more square feet, replacing a damaged structure or if mother nature jumpstarts a remodeling project, check out these three major things you need to know about whether your homeowners insurance[...]

Summer is in full swing and you’re all packed to spend a week at a vacation home with your friends and family. You’ve prepared your home for your absence, but there is one last thing on your check list: does your homeowners policy cover you when you rent a vacation home? You might be wondering if it is even worth it, but consider this: you’re bringing personal[...]

Make shopping for Father’s Day more fun and less of a chore! Being a dad is hard work so show him how much you appreciate him on Father’s Day. He pushed you on your bike before you learned how to balance, never missed a soccer game, and gave advice when life got tough. There probably isn’t any gift that can repay him for all his wise words and long shifts at work to[...]

Hail storms can develop quickly and without much warning. Not every storm produces hail, so planning ahead can provide you peace of mind. These tips can help guard your home and property against the damaging effect of hailstorms and avoid costly, time-consuming repairs.

Not everyone is able to leave their home to prepare for a storm. Almost half of all American’s will need to rely on neighbors before and after a disaster hits. A little bit of empathy goes a long way, and complete community preparedness requires involvement from the entire community. Start planning now with these community strategies.

A disaster can happen without any notice which is why it’s important all members of your household are prepared for the unexpected. Plan together in advance so that everyone in the household understands where to go during a different type of disaster such as a hurricane, tornado, or wildfire. A storm could take down communication towers rendering cell phones and[...]

There’s no way to know what will happen when a storm makes landfall or when a river overflows. Understanding what is covered in your homeowner’s policy before a disaster strikes can help you get the most out of your coverage and make filing a claim much smoother.

Being prepared for a storm can mean the difference between life and death. You don’t need to spend a lot to be prepared. Having a basic disaster supply kit can be a great aid in the event of an emergency. This isn’t something you want to worry about when you hear a storm watch is in effect, so make sure you build this in advanced.