Homeowner's Insurance

There's no place like home. Protect one of your most valuable assets with homeowners insurance from Lighthouse Insurance.

Lighthouse Insurance Services offers:

  • Competitive pricing with discounts such as Age of Insured, New Home, as well as Multi-Policy.
  • Guaranteed replacement cost on your home and attached structures. (After all, what are you going to do with half a door?)
  • Coverage up to $3,000 for theft of jewelry, watches, furs, precious and semi-precious stones
  • Award-winning claims service that ensures you will be contacted promptly after reporting a loss. (Really, why should you have to wait?)

Beyond Basic Coverage

Many home insurance companies provide broad coverage for damage to your house and property. Lighthouse Insurance carefully evaluates your needs and assesses your risk to make recommendations to provide you with the best, most comprehensive and affordable homeowners insurance.

Additional coverage for your home insurance policy:

Water Backup Insurance - Water backup and sewer flood is not included in a basic homeowners insurance policy and is not covered by the NFIP. We recommend our clients purchase additional protection against water that backs up through sewers or drains or sump pump failures.

Identity Theft Recovery - In the time it takes you to drink a cup of coffee, your identity can be stolen. Through Erie Insurance, you can add Identity Theft Recovery to your homeowners policy to offer protection agains identity theft. Learn More

Personal Umbrella Policy - An umbrella policy sits over top of your existing homeowners insurance and auto insurance policies to provide you with extra coverage in the event of a major accident or claim such as a swimming pool or trampoline accident.

Flood Insurance - Even if you don’t own a waterfront home, you should consider flood insurance. Flood insurance not only protects against river, stream or bay floods, but water main breaks, standing water due to heavy rain or melting snow and other flood conditions. If your house is not in a flood zone, you may qualify for a discounted rate. All flood insurance is provided by FEMA at a universal cost. Learn More

Life Insurance - Protect your mortgage and allow your loved ones to remain in your home with life insurance from Lighthouse Insurance. Choose from a variety of policies to fit your needs. Learn More

Learn more about ERIE's home insurance products :  

To help protect your belongings, maintain your home and avoid dangerous situations that could lead to a loss, refer to these home safety articles.  Not sure what you need? Learn more about what's included in a standard home insurance policy.