October 2013
Written by: Jennifer Vazquez
Lighthouse is pleased to offer numerous optional coverages and endorsements to our policyholders. Because October is National Animal Safety and Protection Month we would like to take this opportunity to help clarify Animal Liability. We hope the following information will assist agents in determining when an insured is eligible for coverage and how the coverage is offered within our various programs.
Louisiana Beacon Homeowners Policies: This policy does not automatically include Section II Coverage for any bodily injury or property damage caused by or originating from any animal owned or kept by any insured. The Animal Liability Endorsement may be added to the policy to extend a Section II coverage sublimit to losses arising from animals owned or kept by the insured. Coverage is limited to $25,000 for Coverage E – Personal Liability and $1,000 for Coverage F – Medical Payments to Others. However, coverage is excluded for losses caused by or originating from any dog listed on our prohibited dogs list. Additionally, any risk with a prohibited dog or other ineligible animal, is ineligible for coverage with Lighthouse.
Louisiana Standard Voluntary and Takeout Homeowners Policies: There is no animal exclusion under Section II within these policy forms which means the full Coverage E – Personal Liability and Coverage F – Medical Payments to Others policy limits apply in the event of a loss. Any risk written or later found to have a prohibited dog or other ineligible animal is ineligible for coverage with Lighthouse.
Louisiana Standard Voluntary and Takeout Dwelling Fire Policies (written with Coverage L and Coverage M): There is no animal exclusion under Section II within these policy forms which means the full Coverage L – Personal Liability and Coverage M – Medical Payments to Others policy limits apply in the event of a loss. However, any risk written or later found to have a prohibited dog or other ineligible animal is ineligible for coverage with Lighthouse regardless of selecting Coverage L and Coverage M.
South Carolina Beacon Homeowners Policies: This policy does not automatically include Section II Coverage for any bodily injury or property damage caused by or originating from any animal owned or kept by any insured. The Animal Liability Endorsement may be added to the policy to extend a Section II coverage sublimit to losses arising from animals owned or kept by the insured. Coverage is limited to $25,000 or $50,000 (as selected by the insured) for Coverage E – Personal Liability and $1,000 for Coverage F – Medical Payments to Others. However, coverage is excluded for losses caused by or originating from any dog listed on our prohibited dogs list. Additionally, any risk with a prohibited dog or other ineligible animal, is ineligible for coverage with Lighthouse.
Please note, not all discounts are available in all programs or states. The information provided here is only applicable to Lighthouse Property Insurance Corporation and should not be construed as underwriting guidelines for general knowledge.