Prepared Insurance Review & Ratings (2024)
Navigate insurance confidently with prepared insurance: your trusted partner for reliable coverage information, personalized advice, and expert guidance to ensure you're prepared for any unexpected eventuality life throws your way. With our comprehensive resources and exceptional customer service, we'll help you make informed decisions about your insurance needs, giving you the peace of mind.
Read moreLaura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Sep 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Prepared Insurance
Average Monthly Rate For Good Drivers
$125A.M. Best Rating:
N/AComplaint Level:
LowPros
- Comprehensive Coverage: Prepared Insurance, now under Lighthouse Insurance Corp., offers coverage for home, personal property, liability, and additional living expenses.
- Simple Claims Process: Despite the acquisition, the claims process remains straightforward, and assistance can be initiated by calling their claims phone number.
- Customer Education: The company provides valuable resources and articles on various insurance topics, empowering policyholders to make informed decisions.
- Mobile App Access: While details may have changed post-acquisition, having a mobile app can enhance the overall insurance experience for convenient policy management.
Cons
- Limited Availability: Prepared Insurance is now available in select states, limiting access for potential policyholders in other regions.
- Basic Homeowners Coverage: The homeowners insurance offered by Lighthouse Insurance Corp. is described as very basic, potentially lacking some customizable coverage options.
- Mixed Customer Reviews: Customer reviews on the Better Business Bureau (BBB) indicate mixed experiences, with an average rating of one out of five stars.
- No Online Claim Filing: The option to file claims online is no longer available, potentially inconveniencing policyholders who prefer digital processes.
Prepared Insurance, subsequently acquired by Lighthouse Insurance Corp., with a focus on its homeowners insurance offerings. Highlighting the coverage aspects, it explains the property and liability coverage provided by Lighthouse, emphasizing its simplicity and basic package.
The article touches on the company’s shift in availability and directs potential policyholders to Lighthouse for coverage in states such as Florida, Louisiana, North Carolina, South Carolina, and Texas. It further delves into the absence of online quotes for homeowners insurance rates, emphasizing the need to contact agents directly.
Customer ratings and reviews are explored, indicating an A+ rating with the Better Business Bureau but mixed customer experiences. Additionally, the piece addresses the lack of specific information on discounts offered by Prepared Insurance, suggesting contacting the company for personalized details.
Lastly, the article discusses the claims process post-acquisition, noting the absence of online filing and the importance of contacting Lighthouse Insurance for personalized assistance. Overall, it provides a comprehensive overview of the insurance company’s transition, coverage, customer feedback, and practical considerations for potential policyholders.
What You Should Know About Prepared Insurance
Welcome to Prepared Insurance, your ultimate resource for all things insurance-related. Whether you’re a first-time policyholder or a seasoned insurance veteran, we’ve got you covered with comprehensive information and expert guidance on a range of key topics. Our informative articles cover everything from understanding different types of insurance coverage to navigating the claims process smoothly.
We delve into topics like home insurance, auto insurance, life insurance, and more, providing valuable insights to help you make informed decisions. At Prepared Insurance, we believe in empowering our readers to protect what matters most to them. Ready to find the best insurance rates? Simply enter your zip code below and compare quotes from the top insurance providers in your area.
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Prepared Insurance Coverage Options
When it comes to homeowners coverage, Lighthouse offers a very basic package. The company’s homeowners insurance includes both property and liability coverage.
- Property Coverage: Property coverage includes protection against loss or damage to home and belongings. Covered perils include hurricanes, fire, lightning, windstorm, hail, explosion, smoke, vandalism, and more. Coverage extends to increased living expenses if unable to live in the home after a loss.
- Liability Coverage: Liability coverage includes compensation for judgments, legal expenses, and medical costs. Covers situations where the policyholder is found liable for injuries to others or damage to their property.
- Add-Ons and Additional Options: The Lighthouse Property Insurance website does not mention specific add-ons for homeowners insurance. However, there may be additional options available, and you can inquire about them by speaking to an agent.
Prepared Insurance Rates Breakdown
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.
Home Insurance Monthly Rates by State
| State | Monthly Rates |
|---|---|
| Alabama | $119 |
| Alaska | $80 |
| Arizona | $69 |
| Arkansas | $114 |
| California | $84 |
| Colorado | $125 |
| Connecticut | $123 |
| Delaware | $69 |
| Florida | $163 |
| Georgia | $106 |
| Hawaii | $92 |
| Idaho | $61 |
| Illinois | $88 |
| Indiana | $83 |
| Iowa | $80 |
| Kansas | $132 |
| Kentucky | $92 |
| Louisiana | $164 |
| Maine | $74 |
| Maryland | $86 |
| Massachusetts | $124 |
| Michigan | $79 |
| Minnesota | $112 |
| Mississippi | $128 |
| Missouri | $107 |
| Montana | $98 |
| Nebraska | $123 |
| Nevada | $63 |
| New Hampshire | $81 |
| New Jersey | $99 |
| New Mexico | $85 |
| New York | $109 |
| North Carolina | $91 |
| North Dakota | $104 |
| Ohio | $72 |
| Oklahoma | $157 |
| Oregon | $56 |
| Pennsylvania | $78 |
| Rhode Island | $129 |
| South Carolina | $106 |
| South Dakota | $100 |
| Tennessee | $100 |
| Texas | $158 |
| Utah | $58 |
| Vermont | $77 |
| Virginia | $83 |
| Washington | $71 |
| Washington, D.C. | $103 |
| West Virginia | $78 |
| Wisconsin | $65 |
| Wyoming | $96 |
| U.S. Average | $101 |
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.
Prepared Insurance Discounts Available
- Multi-Policy Discount: Save by bundling multiple insurance policies, such as home and auto insurance.
- Safe Home Discount: Earn discounts for having safety features installed in your home, such as security systems or smoke detectors.
- Claims-Free Discount: Enjoy reduced rates for maintaining a claims-free record over a specified period.
- Home Improvements Discount: Receive discounts for making certain home improvements that enhance safety or security.
- Loyalty Discount: Reward for staying with Prepared Insurance over an extended period.
- Good Student Discount: Discounts for policyholders with eligible students who maintain good academic records.
- Protective Devices Discount: Savings for having protective devices like burglar alarms or fire extinguishers in your home.
It’s crucial to check with the company directly to understand the eligibility criteria and specifics of each discount they offer. Insurance providers often have unique offerings tailored to their policies and the regions they serve.
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Absorbing the Ins and Outs of the Claims Procedure at Prepared Insurance
Ease of Filing a Claim
Filing an insurance claim can be a crucial step in your journey towards recovery after an unexpected event. Prepared Insurance, although now a part of Lighthouse Insurance Corp., maintains a relatively straightforward claims process. You can no longer file a claim through the Prepared Insurance website, but you can still initiate the process by calling their claims phone number.
It’s worth noting that you will be directed to a representative from Lighthouse Insurance, the company that acquired Prepared Insurance. While the online claim filing option is no longer available, their phone-based approach ensures that you receive personalized assistance when reporting a claim.
Average Claim Processing Time
While specific information on the average claim processing time for Prepared Insurance after its acquisition by Lighthouse Insurance may not be readily available, it’s essential to understand that claim processing times can vary based on the complexity of the claim, the nature of the incident, and the information provided.
To get a more accurate estimate of claim processing times, it’s recommended to reach out to Lighthouse Insurance directly for up-to-date information.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable indicator of an insurance company’s performance when it comes to claim resolutions and payouts. At the time of the acquisition, Lighthouse Insurance had an A+ rating with the Better Business Bureau (BBB). However, customer reviews on the BBB website indicated mixed experiences, with an average rating of one out of five stars.
It’s important to consider customer feedback as part of your decision-making process, but also keep in mind that individual experiences can vary widely. When evaluating an insurance company, consider reaching out to them directly and reading multiple sources of customer reviews to make an informed assessment.
Prepared Insurance Digital and Technological Transformation in Insurance
Mobile App Features and Functionality
A well-designed mobile app can enhance your insurance experience by providing convenient access to policy information and services. Prepared Insurance’s mobile app features and functionality may have undergone changes after its acquisition by Lighthouse Insurance Corp.
If you are interested in using their mobile app, it’s advisable to visit the official website or contact their customer service to obtain the latest information on app availability and features. Lighthouse Insurance may have introduced new features or made improvements to the app to offer a seamless user experience.
Online Account Management Capabilities
Online account management is a key aspect of modern insurance services, allowing policyholders to access policy details, make payments, and update information easily. With the transition of Prepared Insurance to Lighthouse Insurance, online account management capabilities may have evolved.
To explore the full range of online account management features and capabilities, visit Lighthouse Insurance’s official website or reach out to their customer support. They can provide you with the most up-to-date information on managing your insurance policy online.
Digital Tools and Resources
Insurance companies often provide digital tools and resources to help policyholders understand their coverage and make informed decisions. These tools can include educational materials, calculators, and resources to assess your insurance needs.
To access the digital tools and resources offered by Prepared Insurance (now under Lighthouse Insurance Corp.), you should refer to their official website. Lighthouse Insurance may have continued to provide these tools to assist policyholders in navigating their insurance options effectively.
How Prepared Insurance Ranks Among Providers
Here are key points regarding how Prepared Insurance (now part of Lighthouse Insurance Corp.) ranks among providers:
- BBB Rating: Lighthouse Insurance Corp., which acquired Prepared Insurance, has an A+ rating with the Better Business Bureau.
- Customer Reviews: The customer reviews on the BBB website for Lighthouse Insurance Corp. indicated mixed experiences, with an average rating of one out of five stars. This suggests that some customers had negative experiences.
- Shopping Around: The text recommends shopping around and comparing insurance policies since Lighthouse Insurance Corp.’s policies are described as simple. This suggests that potential policyholders may benefit from exploring other options to ensure they find coverage that best suits their needs.
Conduct thorough research and obtain quotes from multiple providers before making a decision. Additionally, checking more recent reviews and ratings may provide the most up-to-date information on the performance of the insurance provider.
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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.
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.
Frequently Asked Questions
What is Prepared Insurance?
Prepared Insurance is an insurance company that offers homeowners insurance policies.
What types of homeowners insurance coverage does Prepared Insurance offer?
Prepared Insurance offers coverage for your home, personal property, liability, and additional living expenses.
Where is Prepared Insurance available?
Prepared Insurance is available in several states, including Florida, Georgia, Louisiana, South Carolina, and Texas.
How can I get a quote from Prepared Insurance?
You can get a quote from Prepared Insurance by visiting their website or contacting their customer service team.
How does Prepared Insurance compare to other insurance companies?
Prepared Insurance has generally received positive reviews and ratings from customers and industry experts. However, it’s always a good idea to compare different insurance companies to find the best fit for your needs and budget.
Does Prepared Insurance offer any discounts?
Yes, Prepared Insurance offers a variety of discounts, including multi-policy discounts, safe home discounts, and discounts for certain safety features in your home.
How can I contact Prepared Insurance if I have questions or concerns?
You can contact Prepared Insurance by phone, email, or live chat on their website. They also have a customer service center where you can speak with a representative in person.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.