Blog/News Room

Blog/News Room

27
May

Underwriting Corner | Eligibility Guidelines

At Lighthouse, we have a wonderful group of hard working agents trying to write quality business.  Because we know we are not your only carrier, we appreciate your business all the more!  This month, we want to try to help break down a few eligibility guidelines that have changed recently or can be confusing.  We hope this helps you, our valued agency partner, with[...]

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29
Apr

Underwriting Corner | Contents Coverage

When a loss occurs, most insureds can tell you the big ticket items they own: 2 - 48” HDTV’s, 4 Laptops, etc.  But what about the lesser items we use every day?  Could an insured tell you: how many glasses they have in their kitchen cabinets, how many picture frames are throughout the house, how many pairs of shoes does Mr. Insured’s wife own, what kind of golf clubs[...]

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31
Mar

Underwriting Corner | Available Discounts and Requirements

At Lighthouse, we are pleased to offer our Beacon Homeowners policy program as our premier policy package that offers many optional coverages and a vast array of discounts for insureds.  The following is a summary of some of the discounts available and what is required to receive these discounts.  If you need more or specific information regarding these discounts,[...]

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07
Mar

Are you ready to "spring forward?"

Sunday, March 10th marks the day to set your clocks an hour aheadfor daylight savings time. Not only does this semi-annual event require us to adjust our clocks but it is a great reminder to consider making some updates to your home and homeowners insurance policy that could save your physical and financial life.

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21
Feb

Underwriting Corner | Identity Theft Expense and Resolution Services Coverage

The recent security breaches at major companies like Target, Neiman Marcus and Yahoo show that no one is completely safe from the risk of identity theft.  While there are steps that can be taken to reduce the risk, identity theft can still happen.  Did you know that Lighthouse offers Identity Theft Expense and Resolution Services Coverage as an optional coverage on[...]

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30
Jan

Underwriting Corner | Water Back Up and Sump Overflow Coverage

With the recent polar vortex and extended extreme winter weather hitting the South, more insureds may be asking you about water damage coverage within a policy and additional optional coverage.  Lighthouse is pleased to offer Water Back Up and Sump Overflow Coverage as an additional optional coverage

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30
Jan

Overflow, Discharge and Water Back-Up, Oh My!

As unfamiliar blankets of snow cover the South, more homeowners are suffering from water losses. The Weather Channel’s tips for winter home safety 1, such as keeping a trickle of water flowing through faucets connected to pipes, could help protect your home.

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19
Dec

Underwriting Corner | Ineligible Liability Exposures

We are now well into the holiday season; a time for friends and family to come together.  At Lighthouse, we hope that you and your guests can enjoy a safe and happy holiday season.  Unfortunately, this is a time where homeowners experience the increased risk of a loved one being injured while visiting their home due to liability and safety hazards.  Many liability[...]

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14
Nov

Underwriting Corner | Wind Mitigation Discounts

The Atlantic Hurricane Season is winding down and we have been fortunate enough to have a quiet year.  With next year’s season around the corner, we would like to take the opportunity to remind you about the discounts available to policyholders who take the extra steps, through mitigation efforts, to reduce the risk of loss due to wind events. 

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09
Oct

Underwriting Corner | Animal Liability

Lighthouse is pleased to offer numerous optional coverages and endorsements to our policyholders.  Because October is National Animal Safety and Protection Month we would like to take this opportunity to help clarify Animal Liability.  We hope the following information will assist agents in determining when an insured is eligible for coverage and how the coverage is[...]

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