Condo Unit OwnersDwelling FireHomeownersand Renters Insurance

LHPIC-LABROC-10302012

To Report A Claim We are here to help! Our staff of claims professionals are available when you need them 24 hours a day, 7 days a week. You may report your claim by calling 1.877.852.0606. For a complete listing of frequently asked claims questions, please visit our website www.lighthousepropertyins.com and click Claims.

Contact InformationPolicy Services:Contact your agent or 888.235.3837custserv@lighthousepropertyins.com

Claims:877.852.0606

Mailing Address:Lighthouse Property Insurance CorporationP.O. Box 2150Pinellas Park, FL 33780

General Information:888.544.4885 | Fax: 888.456.9163marketing@lighthousepropertyins.comwww.lighthousepropertyins.com

This brochure is for information purposes only. It is not intended to be a complete representation of the products, coverage and services described herein. Please read your policy or contact your agent for more information.

LouisianaAbout usLighthouse is an admitted property and casualty insurance company. Based in Orlando FL, Lighthouse sells and distributes its policies through licensed, professional, insurance agencies.

Lighthouse has obtained a Financial Stability Rating of A, Exceptional, from Demotech, Inc. Financial Stability Ratings® (FSRs) are a leading indicator of an insurer’s financial stability. FSRs are based upon a series of quantitative ratios and considerations which together comprise Demotech’s Financial Stability Analysis Model. FSRs are accepted by several government sponsored-enterprises, including Fannie Mae, Freddie Mac and various programs of the United States Department of Housing and Urban Development (HUD), mortgage lenders, as well as a number of umbrella and agents errors and omissions insurance markets. The most current Financial Stability Rating® must be verified by visiting www.demotech.com.

For more information on Demotech, Inc. please visit their website:

www.demotech.com

LouisianaDwelling FireA Lighthouse Dwelling Fire policy protects owner-occupied and rental residences. These policies offer more limited dwelling and personal property coverage tailored to meet the needs of the individual property owners. Optional personal liability coverage for injury or damage to someone else’s property may be added to this policy. Highlightsn Seasonal dwellings may be insured with continuous occupancy of 30 or more consecutive days during any one year period*.

n Discounts apply for hurricane protected residences.

*Some restrictions apply, please contact your agent for more details.

Condo Unit OwnersAs a condo owner, it is important for you to know what coverage is included under your master condominium association insurance policy. Your master policy may not cover damages due to a catastrophic event or it may only cover certain areas such as the exterior building and walkways. A Lighthouse Condo Unit Owners policy provides comprehensive coverage for peace-of-mind protection. Our policy covers loss or damage to additions and alterations to the unit, including those resulting from a hurricane or other catastrophic event. We also cover your personal belongings in the event they are damaged or stolen.

Highlights:n Includes personal liability coverage for damages or injuries to others.

n Covers your increased living expenses in the event your home is damaged after a loss and can’t be lived in.

Renter’sA Lighthouse Renter’s policy protects the personal property of someone renting an apartment, condo or home. The Renter’s policy is a package policy and includes property insurance covering damage to your belongings, personal liability insurance covering certain legal claims against you as the tenant, and limited coverage for medical expenses of guests who are injured on your property.

What Is Homeowners Insurance?Your home is your most valuable asset and should be protected. Homeowners Insurance offers financial and liability protection of your home and possessions. At Lighthouse Property Insurance Corporation (Lighthouse), we understand the unique insurance challenges specific to Louisiana, and we’re here to assist you in providing the right type of insurance coverage for your needs.

Property n PROTECT YOUR HOME AND POSSESSIONS A Lighthouse Homeowners policy covers losses or damages to dwelling and contents, including those resulting from a hurricane, fire, lightning, windstorm, hail, explosion, smoke, vandalism, and theft. It also covers your increased living expenses in the event your home is damaged after a loss and can’t be lived in.

Liability n PROTECT YOURSELF As a homeowner, you can be held liable if someone is injured while visiting your home. Our homeowners policy includes personal liability coverage which offers compensation for judgements, legal expenses, and medical costs when you are found liable for damages or injuries to others.

n ADDED PROTECTION Our Beacon Preferred homeowners policy offers valuable additional coverage options such as identity theft and food spoilage, as well as a broad range of deductible options and payment plans. Please contact your agent for more information.