Prepared Homeowners Insurance Review & Ratings (2022)

Prepared Insurance company has been bought out by the Lighthouse Property Insurance Corporation. The company offers homeowners coverage as well as other property and casualty coverage to residents of five U.S. states. Property Insurance homeowners policies with Lighthouse are fairly basic, and the company does not offer quotes online. Lighthouse has an A+ rating with the Better Business Bureau.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Dec 29, 2021

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The Rundown

  • Prepared Insurance was acquired by Lighthouse Property Insurance Corp.
  • The company offers homeowners insurance and other forms of property and casualty coverage
  • Lighthouse Property Insurance has an A+ rating with the Better Business Bureau

If you’re looking for homeowners insurance in your area, it’s a good idea to look into the smaller companies to see what they can offer instead of just going with the big names in the business.

Prepared Insurance—which is now owned by the Lighthouse Insurance Corporation—offers homeowners insurance along with other property and casualty insurance products.

There are countless companies like Prepared Insurance across the U.S. that offer insurance coverage in various forms. But the only way to learn about these companies is to do some research.

You can search online for free insurance quotes online to compare these smaller companies with the large corporations we are all more familiar with. You never know which company will offer you the lowest rates until you look at their quotes.

In fact, you can use our free quote tool above to find and compare homeowners insurance rates from different companies in your area to see which would work best for you.

Does Prepared Insurance offer homeowners coverage?

Since Prepared Insurance has been acquired by Lighthouse Insurance Corp., Prepared no longer offers coverage to new policyholders.

But Lighthouse Insurance offers property and casualty insurance options in Florida, Lousiana, North Carolina, South Carolina, and Texas.

When it comes to homeowners coverage, Lighthouse offers a very basic package. The company’s homeowners insurance includes both property and liability coverage.

The property coverage with Lighthouse covers loss or damage to your home and belongings, including hurricanes, fire, lightning, windstorm, hail, explosion, smoke, vandalism, and more.

The property coverage also allows for coverage of increased living expenses after a loss if you are unable to live in your home.

Liability coverage with Lighthouse will cover compensation for judgments, legal expenses, and medical costs if and when you are found liable for injuries to others or damage to their property.

The Lighthouse Property Insurance website does not mention any add-ons for homeowners insurance coverage, but you may find the company offers certain additional options if you speak to an agent.

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How much are homeowners insurance rates with Lighthouse?

Lighthouse does not offer homeowners insurance quotes on the company website. The company invites potential policyholders to call their number and speak to an agent for more information on their insurance products.

If you are curious how much homeowners insurance costs, homeowners insurance rates vary based on a number of different factors, including:

  • Where you live
  • The cost of your home
  • The coverage you want
  • Your home’s age and condition
  • Your credit score
  • The deductible you want
  • The insurance company you choose

Because of these factors, it’s hard to know how much you’ll pay for your homeowners insurance coverage until you get direct quotes based on your unique information.

The table below offers average annual homeowners rates for all U.S. states. While these numbers are not set in stone when it comes to your coverage, they may give you a better idea of what you can expect to pay.

Average Annual Homeowners Insurance Rates by State

StateAverage Annual Rates
Alabama$1,433
Alaska$959
Arizona$825
Arkansas$1,373
California$1,008
Colorado$1,495
Connecticut$1,479
Delaware$833
District of Columbia$1,235
Florida$1,951
Georgia$1,267
Hawaii$1,102
Idaho$730
Illinois$1,056
Indiana$1,000
Iowa$964
Kansas$1,584
Kentucky$1,109
Lousiana$1,968
Maine$882
Maryland$1,037
Massachusetts$1,488
Michigan$942
Minnesota$1,348
Mississippi$1,537
Missouri$1,285
Montana$1,174
Nebraska$1,481
Nevada$755
New Hampshire$972
New Jersey$1,192
New Mexico$1,017
New York$1,309
North Carolina$1,086
North Dakota$1,253
Ohio$862
Oklahoma$1,885
Oregon$677
Pennsylvania$931
Rhode Island$1,551
South Carolina$1,269
South Dakota$1,202
Tennessee$1,196
Texas$1,893
Utah$692
Vermont$918
Virginia$999
Washington$854
West Virginia$940
Wisconsin$779
Wyoming$1,156
Countrywide$1,211
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As you look at the rates above, you’ll notice that homeowners insurance rates by zip code play a huge role in what you’ll end up paying for your homeowners insurance.

This makes it even more important to shop around and compare insurance rates to see which companies offer the cheapest rates while still giving you the coverage you want.

Can you file claims with Prepared Insurance online?

Now that Prepared Insurance has been acquired by Lighthouse, you cannot use your Prepared Insurance login to make a claim on the company’s website.

You are still able to call the Prepared Insurance claims phone number to file a claim, though you will end up speaking with a representative from the Lighthouse company.

There’s no need to stress, though. Your policy and your rights in reference to your insurance coverage will remain the same even though you are now doing business with a different company.

Does Lighthouse have good ratings online?

The Lighthouse Property Insurance Corporation has an A+ rating with the Better Business Bureau (BBB). The company is not accredited with the BBB and has been in business just for 13 years.

As far as customer reviews are concerned, Lighthouse has one out of five stars with the BBB and has closed 17 complaints in the last year and 11 complaints in the last 12 months.

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Should I buy homeowners insurance with Lighthouse?

If you live in one of the states Lighthouse offers coverage in, the company is certainly an option for you when it comes to homeowners insurance. But because the policies are very simple, it’s a good idea to shop around and see what other insurance companies are offering.

You can call the Lighthouse company to speak to an agent and ask about rates for homeowners insurance. Be sure to ask if the company offers any discounts for coverage that you might be eligible for.

And you can always continue to compare insurance rates with other companies, so you get the best rates possible for your coverage.

Don’t forget to use our free quote tool below to get started in your hunt for affordable homeowners insurance today.

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