Protecting California Homeowners
From Los Angeles to Sacramento — mortgage protection coverage built for CA's high-value homes.
$819K
Median Home Value
$4,010
Avg. Monthly Payment
55%
Homeownership Rate
Serving homeowners in Los Angeles · San Diego · San Jose · Sacramento · Fresno
State License
CA-4529149
Regulated By
CA Dept. of Insurance (CDI)
Carrier Rating
A+ (AM Best)
Why California Homeowners Need Mortgage Protection
With the highest median home values in the continental US, California homeowners carry the most financial risk. A $4,000/month mortgage payment doesn't pause for illness, injury, or job loss. Mortgage Defender ensures your family can keep the home you worked so hard to buy — no matter what life throws at you.
Wildfire Crisis
California wildfires are now a year-round threat. Entire communities have been displaced overnight. Lost income during evacuation can trigger mortgage default in weeks.
Earthquake Risk
The San Andreas and Hayward faults put millions of California homeowners at constant seismic risk — an event that can disable workers and damage income instantly.
Highest Stakes in the US
At $819K median, California homes represent life savings. One uninsured health event can unravel a decade of equity — mortgage protection stops that from happening.
Three Layers of Protection for
California Homeowners
Death Benefit
Pays off your full mortgage balance if you pass away — your family keeps the home, free and clear.
Disability Coverage
Covers your monthly mortgage payments if you become unable to work due to injury or illness.
Critical Illness
Lump-sum benefit upon diagnosis of 30+ serious conditions including cancer, heart attack, and stroke.
Ready to protect your California home?
No medical exam for most · Most CA applicants approved within minutes
Also licensed & serving homeowners in:
Washington
WA-971806
Oregon
OR-18669575
Arizona
AZ-18669575
Texas
TX-18669575
Tennessee
TN-3004132492
Idaho
ID-18669575
Florida
FL-W462583
All coverage is underwritten by A+ rated carrier partners and subject to state-specific availability.Learn more →
Ready to Protect
Your Family's Future?
Protecting homeowners across 8 states. Get your personalized quote in minutes — no obligation.
Get My Mortgage Protection Plan
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