Mortgage Protection
Could your family keep the home without you?
Mortgage protection can help your family stay in their home if you pass away.
Pays the people you choose, not the bank.
Coverage sized to your mortgage
How Much Mortgage Protection Do You Need?
This tool estimates coverage based on your mortgage balance, not your insurance premium. Actual pricing and eligibility vary by insurer and state. Suggested coverage periods are illustrative; actual available terms vary by insurer and state.
Simple as 1, 2, 3
Homeowners insurance protects the house. This protects the family inside it.
Choose coverage for your mortgage.
Lock in a fixed monthly premium with level term.
Help your family keep the home.
Why we do this
Every family deserves to stay in their home.
We shop for you.
We keep it simple.
Our family is here when you need us.
The Shore Family
Why Shore Legacy
Family Owned
Built around helping families protect what matters.
Independent Agency
We are not tied to one insurance company.
40+ Licensed Agents
Real people are available when you want help.
Licensed in 29 States
Products and availability vary by state.
29 States
Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Missouri, Nebraska, New Jersey, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Wisconsin.
Shore Legacy Insurance, LLC is licensed in these states.
Insurance Companies We Work With
- American Amicable Life Insurance Company
- American General Life / Corebridge Financial
- American Home Life Insurance Company
- Americo
- Baltimore Life Insurance Company
- Banner Life Insurance Company
- Ethos
- F&G
- Guarantee Trust Life Insurance Company
- ManhattanLife
- Mutual of Omaha / United of Omaha
- Transamerica
- United National Life Insurance Company
These are Shore Legacy carrier relationships across our business. Not every company offers life insurance, and product availability varies by state.
Still Thinking It Over?
“Is this the same as the PMI on my mortgage?”
No. PMI protects your lender. Mortgage protection protects your family.
“Does the money go to my lender?”
No. It goes to the people you choose. They decide how to use it.
“I can’t afford it right now.”
Mortgage protection may cost less than you think. We'll help you compare options that fit your budget.
“I already have life insurance through work.”
Work coverage may be limited and often ends when you leave the job. Your own policy can stay with you.
“I have health problems” or “I’m too old.”
You may still qualify. Many policies just ask a few health questions, and shorter terms can keep it affordable.
What if I refinance or sell?
The policy is yours, not the bank’s. It generally stays in force as long as you pay premiums.
What if I get seriously ill?
Some policies pay part of the benefit early if you become seriously ill. Varies by insurance company and state.
How fast can I be covered?
Many people can apply online in minutes, and some get a decision right away. Others need more review or an exam. Coverage is not effective until the policy is issued and any requirements are met.
Mortgage Protection Coverage Information
This calculator provides a simplified educational coverage estimate based on your outstanding mortgage balance. It does not calculate an insurance premium or guarantee coverage. Actual premiums, coverage amounts, policy terms, eligibility, and availability depend on the insurance company, your age, health, underwriting requirements, and state.
Mortgage protection is a form of life insurance. It is not private mortgage insurance (PMI) and is not affiliated with or required by your mortgage lender. Death benefits are generally paid to the beneficiaries you designate, subject to the policy terms and any applicable assignments. Optional living benefits may be available on certain policies and vary by insurance company and state.
Shore Legacy Insurance, LLC is an independent insurance agency, not an insurance company. Insurance products are issued by the insurance companies we represent. Products, benefits, eligibility, and availability vary by insurance company and state. Not every product is available in every state. Coverage becomes effective only under the issuing insurance company's policy terms and applicable requirements. All coverage is subject to the terms, conditions, limitations, and exclusions of the policy.
Licensed insurance agency, Florida Agency License #L136196.
Let Our Family Protect Your Family.
Insurance for your health, family, home and future.
Licensed agents Mon to Fri 9 a.m. to 9 p.m. ET, Sat 9 a.m. to 5 p.m. ET Apply online 24/7
(561) 933-7739
Florida Agency License #L136196
Principal agent: Daniel Noah Shore, NPN 22106829
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