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Mortgage protection for homeowners

If you weren’t here, could your family keep the house?

Answer 9 quick questions and a licensed agent will put together your free mortgage protection quote. About 60 seconds. No obligation.

  • Quotes compared across multiple carriers
  • Many options with no medical exam
  • Your info is never sold
Free quote

Why it matters

The mortgage doesn’t stop when a paycheck does.

For most families, the house payment is the biggest bill every month. Here's the difference coverage can make.

Without coverage

Your family carries the loan alone

  • The payment is due every month on one income, or none
  • Savings get used up to keep up with bills
  • Selling or moving can become the only option
With mortgage protection

They get to stay home

  • A lump-sum benefit, generally income-tax-free, goes to the people you name
  • They can pay off the balance or keep making payments
  • The money goes to your family, not the bank
Nearly 1 in 2

U.S. consumers say they'd face financial hardship within six months if their household's primary wage earner died unexpectedly.

72%

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

Three steps, no pressure.

  1. Answer a few questions

    Your state, mortgage balance, and a little about your health help find plans you're likely to qualify for.

  2. Talk with a licensed agent

    A licensed agent calls to walk you through options and prices from multiple carriers, side by side.

  3. Choose what fits, or don’t

    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

Built around your home loan.

Mortgage protection is life insurance sized to your mortgage, so your family has what they need to keep the house.

Coverage matched to your balance

Choose a benefit amount and term that line up with what's left on your mortgage.

Living benefits

Many plans can include riders that pay part of the benefit early for a qualifying critical, chronic, or terminal illness.

Return-of-premium options

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.

Questions

Straight answers.

Is this from my mortgage lender?

No. Porchlight Protection is not affiliated with your lender, any bank, or any government agency. Your lender does not require this coverage.

Who will contact me?

A licensed insurance agent will call you to go over your quote. They work with multiple carriers, so they can compare options for you.

Does the quote cost anything?

No. Quotes are free and there's no obligation to buy.

Will I need a medical exam?

Many plans don't require one. It depends on your age, health, and coverage amount, and the agent will tell you up front.

What if I have health issues?

Many carriers cover people with a range of health histories. Answer honestly and the agent will look for plans that fit.

How do I stop being contacted?

Reply STOP to any text, tell the agent on a call, or email [[email protected]].

Keep the lights on at home, no matter what.

See what it would cost to protect your mortgage. About 60 seconds.

Start my free quote