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Mortgage Protection Insurance
If something happened to you, could your family keep making the house payment? Mortgage protection is life insurance sized to what you owe. We compare it with the lender offers that show up in your mail, the benefit goes to your family instead of the lender, and the same team that handles your home insurance plans it with you. Call or text and we'll compare it with the offer you got.
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Who It's For
Is Mortgage Protection Right for You?
- New homeowners
- Families that rely on one main income
- Anyone refinancing or buying a bigger home
Good to Know
Before You Buy
Mortgage protection is built around your loan, but it pays your family, not the bank. We go through each detail with you before you apply.
- Several companies. We compare several companies and explain your options in plain English or Spanish.
- Not PMI. It's different from the mortgage insurance (PMI) a lender may require, which protects the lender, not your family.
- Term length. The term length is often matched to the years left on your mortgage.
- Living benefits. Some policies include living benefits for serious illness, depending on the company.
- Level or decreasing. Some policies shrink with your loan balance while others stay level. A level benefit can leave your family money beyond the mortgage.
- Your family decides. The benefit goes to your beneficiaries, not the lender. They decide whether to pay off the mortgage or use it elsewhere.
Pair It With
Gaps Homeowners Often Miss
Mortgage protection covers the house payment. These are the gaps we check for when we talk with you.
Your Home Policy Covers the House, Not the Payment
Homeowners insurance pays to repair or rebuild. It doesn't pay the mortgage if something happens to you.
Flood Isn't Covered by Your Home Policy
Home and renters policies exclude flood, even outside high-risk zones, and most flood policies have a waiting period before they start.
Your Family Needs More Than the House
Term life sized to your income covers bills, school and everything else.
Funeral Costs Come First
Final expense coverage is a smaller policy for funeral costs and final bills, separate from income protection.
A Lawsuit Can Be Bigger Than Your Limits
A serious accident or a guest hurt at your home can lead to a claim above your limits. An umbrella adds protection on top of your home and auto.
Want Coverage That Lasts Your Whole Life?
Permanent life is designed to last your lifetime and build cash value over time.
More Life Insurance
Other Life Options
Compare Mortgage Protection Options.
Final approval and pricing are set by the insurance company after you apply.