For homeowners with a mortgage

If something happens to you, could your family keep your home?

Coverage up to $1,000,000 from $1/day — without a medical exam. We shop 50+ A-rated carriers to find your best rate.

Check My Rate
  • No medical exam
  • Takes 60 seconds
A warm family home at golden hour with a child's red bike on the front porch
Example rate
~$1/day
$500,000 coverage · 35 y/o, non-smoker

Trusted by 47,000+ homeowners to protect what matters most.

Mutual of OmahaBanner LifeSBLIEthosA+ BBB Rated

How it works

Protect Your Family In 3 Steps

  1. 0160 seconds

    Answer a few questions

    6 quick questions about your age, health, and coverage needs. Takes under a minute.

  2. 02Instant

    See your personalized rate

    We match you with the best policy from top-rated carriers based on your answers.

  3. 03Same day

    Get covered today

    A licensed agent walks you through your options and can finalize coverage on the spot.

What homeowners pay

See what you'd actually pay.

Sample rates for non-smokers in good health.

AgeCoverageMonthly
35 y/o$250,000$18/mo
35 y/o$500,000$28/mo
45 y/o$500,000$47/mo
55 y/o$500,000$89/mo

Your rate depends on your age, coverage amount, and a few health questions.

I got $500,000 in coverage for $31 a month. Approved in 10 minutes. Wish I'd done this the day we bought our house.
Michael T.
Homeowner · Dallas, TX · 2 kids

Common questions

Questions? We've got you.

  • For most applicants under 50 in good health, no. We work with carriers that use instant underwriting based on your application and public health records — most people are approved in 10 minutes with no blood test, no doctor visit, no needles.

  • A good rule of thumb is enough to cover your mortgage balance, plus 5–10 years of your income so your family has breathing room. Most homeowners land between $250,000 and $750,000 in coverage. We'll help you pick the right amount.

  • Most clients complete the entire process — quote, application, and approval — in under 30 minutes. Your policy is typically active the same day your first payment is processed.

  • You likely still qualify. We work with dozens of carriers, including specialty carriers that cover people with diabetes, high blood pressure, heart conditions, and other health histories. Your agent will match you with the right one.

See your rate and get covered today.

We compare 50+ A-rated carriers to find the best rate for your situation.

Check My Rate

No medical exam · Takes 60 seconds

  • No medical exam
  • Takes 60 seconds
Check My Rate