Our Personal Lines staff understands the importance of building long term relationships with our customers. You will find us to be knowledgeable, helpful, reliable and more then accommodating when you need us. We truly value the trust and loyalty our customers have placed in us by allowing us to continue to service their insurance needs.

AUTO INSURANCE

If you own a car, auto insurance is not just an option-it is a legal necessity.

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

• Property coverage pays for damage to or theft of your car.
• Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
• Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

Automobile
LIGHTHOUSE currently represents many of the insurance companies providing automobile insurance in Massachusetts. As a result, we can offer our customers many different policies, coverage's, and options. With the introduction of Auto Reform in April 2008 we now have the ability to "shop" the market for the best program to fit your individual needs.

So what is Auto Reform?
Simply put, starting in April 2008 the auto insurance premiums in Massachusetts will no longer be set by the state (Insurance Commissioner) but by individual insurance companies. Allowing the insurance companies to set the rates creates competition in the marketplace, which should be beneficial to the consumer.

HOMEOWNERS INSURANCE

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

CONDO INSURANCE

If you have purchased a condo, and carry a mortgage the bank will require you to insurance it and protect its investment in your home. You may, however, need more insurance to cover your personal items, liability or fees that may be charged to you regarding shared areas of the building like the lobby.

A condo policy typically covers you for your personal possessions, structural improvements to your apartment and additional living expenses if you are the victim of fire, theft or other disaster listed in your policy along with liability protection.

RENTERS INSURANCE

Renters insurance provides financial protection against the loss or destruction of your possessions when you rent a house or apartment.

By purchasing renters insurance, your possessions are covered against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm and water damage (not including floods). Like homeowners insurance, renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet.

UMBRELLA INSURANCE

An umbrella policy is an added layer of liability protection which sits above an individual’s auto coverage and or homeowners coverage.