Mortgage Protection Insurance
Protect your home, whatever life brings.
Mortgage protection from Mortgage Shield helps ensure that if something unexpected happens to you, your family keeps the home you’ve worked so hard for. Simple coverage, predictable premiums, and support from licensed specialists who put your interests first.
Underwritten by top-rated carriers. No obligation. Quotes in minutes.
Instantly see how mortgage protection can help:
- Pay off or reduce your mortgage balance if you pass away
- Help cover payments during a critical illness or disability
- Lock in coverage that matches your loan term and budget
Why mortgage protection matters now more than ever.
Your mortgage is likely your largest monthly expense. Mortgage protection is designed to step in when life doesn’t go according to plan, so your family isn’t forced to sell or move at the worst possible time.
Average American household would struggle to cover more than a few months of mortgage payments without income. The right protection buys your loved ones time, space, and options.
Protect what matters most
Mortgage protection from Mortgage Shield is built to be straightforward, flexible, and aligned with the way you actually live and budget.
Income protection for your home
If you pass away during the covered term, a lump-sum benefit can be used to pay down or pay off your remaining mortgage balance.
Coverage that tracks your loan
Match your coverage term and benefit amount to your mortgage, so you’re only paying for protection you actually need.
Options for illness & disability
Add optional benefits that can help cover payments if you’re diagnosed with a covered critical illness or become disabled and can’t work.
Budget-friendly & transparent
We help you compare options across carriers so you can lock in fixed premiums that fit your monthly budget—without surprise increases.
How it works
From quote to coverage in a few simple steps.
We translate complex insurance language into clear options you can actually compare. No pushy sales tactics—just guidance and numbers you can trust.
1. Share your mortgage details
Tell us about your loan balance, term, rate, and a bit about your health and lifestyle. This helps us narrow in on the most appropriate options for you.
2. Compare curated coverage options
We review multiple top-rated insurers and present a short list of policies that align with your mortgage, goals, and monthly budget.
3. Lock in your protection
Once you choose a policy, our team guides you through the application, underwriting, and approval process—keeping you updated at every step.
Coverage options
Tailored protection around your mortgage and family.
Mortgage Shield can help you explore several ways to protect your home, depending on your stage of life, loan type, and long-term plans.
- Term-based protection aligned to your 15, 20, or 30-year mortgage
- Level benefits to fully pay off the remaining balance
- Decreasing benefits that track your amortization schedule
- Optional riders for critical illness and disability income
- Return-of-premium options on select policies
Important: With most plans, your family—not the bank—controls how the benefit is used. That means more flexibility and real protection for the people you care about.
Is mortgage protection right for you?
- You bought a home in the last 5–10 years
- Your family depends on your income to cover the mortgage
- You don’t have enough savings to pay off the loan today
- You want coverage without fully underwriting a large life policy
If this sounds like you, we can usually provide personalized options in less than 15 minutes.
“When my husband and I bought our first home, we had no idea what would happen if one of us couldn’t work. Mortgage Shield broke it down in plain English, and we found coverage that added less than the cost of dinner out each month—but gave us real peace of mind.”
Sara & Michael, homeowners in their 30s
Our licensed specialists work with homeowners across a wide range of incomes, loan sizes, and health histories.
Not sure where to start? Share a few basics and we’ll walk you through it, step by step.
FAQ
Answers to common mortgage protection questions.
If you’re like most homeowners, you’ve received a stack of confusing mailers about mortgage protection. We built Mortgage Shield to be the opposite—transparent, educational, and tailored to you.
Is mortgage protection the same as homeowners insurance?
No. Homeowners insurance typically covers damage to the physical structure of your home and liability for accidents on the property. Mortgage protection is designed to help your family pay the mortgage if you pass away or, with certain riders, if you experience a covered illness or disability. Many families benefit from having both.
Do I have to buy mortgage protection from my lender?
No. In most cases you are free to compare coverage from independent providers. Working through Mortgage Shield means you can evaluate options from multiple top-rated carriers, often at more competitive rates than single-offer plans tied to your lender.
What happens if I refinance or move?
Many policies can be adjusted or replaced as your mortgage changes. When you refinance, move, or pay down a significant portion of your loan, we can help you review your existing coverage and determine whether a new policy or different amount makes sense.
Will my premiums increase over time?
Most of the mortgage protection solutions we recommend use level premiums, which means your monthly cost is locked in for the term of the policy. We’ll walk you through how your premiums work before you make any decisions.
How much coverage do I actually need?
A common approach is to match your remaining mortgage balance and term. Some homeowners choose slightly less (to keep payments lower) or more (to cover taxes, insurance, or other debts). Our team can run scenarios so you can see how different choices affect your monthly cost.
Let’s make sure your home is protected.
Share a few details about your mortgage and we’ll follow up with clear, customized options—no pressure, no jargon, and no obligation to move forward.
- Licensed advisors focused on education, not quotas
- Personalized quotes from multiple A-rated carriers
- Most conversations take 15–20 minutes
Prefer to talk now? Call our team during business hours and mention “Mortgage Shield Mortgage Protection” to get routed to a specialist.
Request your personalized quote
We’ll review your information and connect you with the best available options for your situation.
By submitting, you agree to be contacted about mortgage protection options. We respect your time and your privacy.