If you pass away, become disabled, or face a critical illness, mortgage protection ensures your family never has to worry about losing the house.
Get My Free Quote →Mortgage protection insurance is a life insurance policy specifically designed to pay off or cover your mortgage payments if you can no longer make them. Whether due to death, disability, or a critical illness, this coverage steps in so your family doesn't face foreclosure during an already devastating time.
Unlike homeowner's insurance, mortgage protection covers the financial obligation — the loan itself — so your family owns their home outright.
Any homeowner who wants to ensure their family stays in their home regardless of what happens. It's especially valuable for single-income households, families with young children, and anyone who bought their home recently and still has a large balance outstanding.
The benefit pays your mortgage so your family never faces foreclosure — even if your income disappears overnight.
Add riders that cover your mortgage payments if you become disabled or are diagnosed with a serious illness — not just at death.
The death benefit is tied to your remaining mortgage balance, so you're never paying for more coverage than you need.
Coverage runs for the same length as your mortgage — 15, 20, or 30 years — so it's there for exactly as long as you need it.
No. PMI protects the lender if you default. Mortgage protection insurance protects your family — it pays off the mortgage so they keep the home. They are completely separate products.
You can update your coverage to match the new loan terms. We'll review your policy and adjust the benefit amount and term to stay aligned with your new balance and payoff date.
It can cover both. Standard mortgage protection pays out at death, but we can add a disability income rider that covers your monthly payments if you become unable to work.
A 40-year-old with a $300,000 mortgage can typically get covered for $50–$90/month. We shop multiple carriers to find the best rate for your specific situation.