As of June 2020, Prepared merged with its sister carrier Lighthouse Property Insurance Corporation. Since the insurers combined with the acquisition, Lighthouse Excalibur National Insurance Company underwrites policies across much of the Southeast now. The carriers write in the Florida, Louisiana, North Carolina, South Carolina, and Texas location markets. Your homeowners' policy can include a hurricane insurance deductible. The sale has altered some of what is in this article, but we are leaving it up for information purposes.
Prepared Insurance Company was founded in 2009 in the state of Florida, at a time when many homeowner's companies stopped selling policies in that state. Located in Tampa, Florida, Prepared Casualty Insurance Company sells their products through independent agents.
Standard homeowners policies cover property up to a value of $2 million. They offer many additional endorsements so coverage can be customized for repairs and replacement costs. Additionally, they offer a Titanium package that has many of the most popular add-on insurance products in their portfolio for one flat price. It includes:
- Animal liabilities
- Refrigerated goods
- Lock replacement
- Equipment breakdown
- Personal Injury protection
- Water backup
- Personal home computer coverage
Renters and condo owners can also get renters coverage through the company.
