Mortgage protection insurance for homeowners
Answer 9 quick questions and a licensed agent will put together your free mortgage protection quote. About 60 seconds. No obligation.
Why it matters
For most families, the house payment is the biggest bill every month. Here's the difference coverage can make.
U.S. consumers say they'd face financial hardship within six months if their household's primary wage earner died unexpectedly.
of Americans overestimate what a basic term life insurance policy costs. Most people are surprised by the real number.
Source: LIMRA and Life Happens, 2024 Insurance Barometer Study.
How it works
Your state, mortgage balance, and a little about your health help find plans you're likely to qualify for.
A licensed agent calls to walk you through options and prices from multiple carriers, side by side.
If a plan works for your family and budget, the agent helps you apply. If not, that's the end of it.
What a plan can include
Mortgage protection is life insurance sized to your mortgage, so your family has what they need to keep the house.
Choose a benefit amount and term that line up with what's left on your mortgage.
Many plans can include riders that pay part of the benefit early for a qualifying critical, chronic, or terminal illness.
Some plans refund the premiums you paid if you outlive the term.
Coverage is subject to underwriting and carrier approval. Features, riders, and availability vary by carrier and state.
Learn the basics
Plain-English guides to help you compare your options before you talk to anyone.
How it works, who gets paid, and what a policy can include.
Read the guide → ComparisonPMI protects the lender. Here’s what protects your family.
Read the guide → ComparisonLender-sold coverage, mortgage protection, and term life, compared.
Read the guide →Questions
It’s life insurance built around your home loan. If you die during the term, it pays a lump sum to the people you choose so they can pay off the mortgage or keep making payments. Read the full guide.
No. PMI (private mortgage insurance) protects your lender if the loan isn’t repaid. Mortgage protection pays your family. See the side-by-side comparison.
No. Porchlight Protection is not affiliated with your lender, any bank, or any government agency. Your lender does not require this coverage.
A licensed insurance agent will call you to go over your quote. They work with multiple carriers, so they can compare options for you.
No. Quotes are free and there's no obligation to buy.
Many plans don't require one. It depends on your age, health, and coverage amount, and the agent will tell you up front.
Many carriers cover people with a range of health histories. Answer honestly and the agent will look for plans that fit.
Reply STOP to any text, tell the agent on a call, or email [email protected].
See what it would cost to protect your mortgage. About 60 seconds.
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