Personal Auto & Homeowners Insurance in PA, NJ, & DE

Personal Insurance Coverage

Health, Life & Auto insurance all in the same place.

Health & Life Insurance

Personal Auto Coverage

Homeowners Insurance

Boat Coverage

Life Insurance

Lighthouse Commercial Insurance, Inc. is here for you

There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs.
An insurance specialist with Lighthouse Commercial Insurance, Inc. will review your current life insurance situation and help you design a policy to plan for the future.

At the end of the day, one of the biggest investments you can make is an investment in yourself.

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

Reassurance for you and your Loved Ones.

Lighthouse Commercial Insurance, Inc. provides life insurance to individuals in Philadelphia, Havertown, King of Prussia, West Chester, Huntingdon Valley, Plymouth Meeting, and surrounding areas.

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing.

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.

At Lighthouse Commercial Insurance, Inc., we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve.

Types of Individual Life Insurance

Lighthouse Commercial Insurance, Inc. offers several different coverage options for your consideration including term life, whole life, and more. Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life or universal life insurance. There are two types of term life insurance:

Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.

Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest.

Personal Auto Insurance

Why Auto Insurance?

If you’re involved in an accident without car insurance, you’re looking at high out-of-pocket costs, injury liability – even serious legal issues.

Keeping your vehicle insured is simply the responsible thing to do, and it’s an essential financial decision that you can’t drive without. Auto Insurance helps to reduce or cover property damage costs, replacement parts for your car as the result of an accident, medical expenses from injuries, road-side assistance, and much more. Since policies vary with protection options, it’s important to talk to a specialist at Lighthouse Commercial Insurance, Inc. to create a policy that insures your needs.

Types of Auto Insurance

As your trusted source for car insurance, Lighthouse Commercial Insurance, Inc. offers a variety of coverage and additional protection options, such as:

Liability Coverage
Comprehensive Coverage
Collision Coverage
Uninsured & Underinsured Motorist Coverage
Diminishing Deductible
Accident Forgiveness
Minor Violation Forgiveness
Roadside Assistance
Specialty Auto Insurance
24-Hour Customer Service
Towing
Rental Reimbursement
Personal Injury Protection (PIP)
Medical Payments Coverage

Drive assured you are protected.

Having proper Auto Insurance ensures your independence behind the wheel. From accidents and injuries to hit-and-runs and theft, it’s important to keep your car insured so you’re prepared when accidents do happen.

At Lighthouse Commercial Insurance, Inc., we combine premium Auto Insurance with personalized service to give you the best coverage possible. Our insurance specialists will work with you one-on-one to find a policy that keeps you and your drivers protected at all costs – for peace-of-mind driving assurance.

Homeowners Insurance

Types of Home Insurance

Our Home Insurance coverage options include:

Property Insurance
Homeowners Liability
Renters Insurance
Condo Insurance
Mobile Home Insurance
Scheduled Property Insurance
Landlords Insurance
In-Home Business Insurance

Why Home Insurance?

Accidents can happen at any time. Having the right insurance can protect your home and everything in it, as well as keep your property covered from damages and accidents.

While standard Home Insurance can cover anything from fire and weather damage to injuries and theft, not all damages and accidents may be insured under a standard policy. That’s why it’s important to talk to an insurance specialist at Lighthouse Commercial Insurance, Inc. about specific coverage options that are applicable to your individual needs.

Don’t go another day without proper homeowners insurance. Keep your memories protected with the right policy from Lighthouse Commercial Insurance, Inc..

Have piece of mind in knowing your home is protected

At Lighthouse Commercial Insurance, Inc., we know how hard you’ve worked to turn your house into a home. Since your home is one of the most important financial investments of your lifetime, you’ll need proper coverage in order to keep your investment protected and provide your family with the guarantee that they’ll always be safe and sound.

Lighthouse Commercial Insurance, Inc. is your trusted solution for homeowners insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.

Boat Insurance

Cast Your Worries Aside.

For most people, owning a boat can be a dream come true. Whether you’re out on the water with friends or enjoying a relaxing day of fishing, your boat provides an escape from the daily grind.

With a Boat Owners Insurance policy from Lighthouse Commercial Insurance, Inc., you can relax and enjoy your time away knowing that you’re properly insured. We offer many coverage options to keep you, your boat, and its passengers safe, specializing in insurance for the following marine vehicles:

Yachts
Performance Boats
Sail Boats
Bass Boats
Jet Skis
Wave Runners

What Can a Boat Insurance Policy Cover?

Unfortunately, accidents happen – even on the water. A specialized Boat Insurance policy covers your boat or personal watercraft, as well as its motor against potential loss due to:

Vandalism
Collision with another boat or object
Theft
Damage caused by uninsured or underinsured boaters

Your policy also extends to protect extra equipment attached to your boat such as anchors, oars, canopies, life preservers, and fuel tanks. Coverage for fishing equipment and personal property is also available.

In addition, Liability Boat Insurance can help pay for medical expenses or legal costs if you’re at fault in a boating accident. Coverage options include:

Bodily Injury payments
Damage to another’s property
Medical Payments
Guest Passenger Liability

Additional Coverage Options

At Lighthouse Commercial Insurance, Inc., we make insuring your boat or personal watercraft easy and affordable by offering extended policy benefits like On-Water Towing and Roadside Assistance when traveling with your boat. You may also be eligible for money-saving discounts when you insure multiple watercraft or combine your Boat and Auto policies. Even simple things like being an accident-free boater and completing a boating safety course can help you save money too.

It’s your passion, your dream. Protect that dream for years to come with the right insurance policy from Lighthouse Commercial Insurance, Inc.. Talk with one of our local insurance specialists today to learn more about Boat Owners Insurance.