Protecting Florida Homeowners
From Miami to the Panhandle — mortgage protection built for FL's unique risk environment.
$401K
Median Home Value
$1,960
Avg. Monthly Payment
66%
Homeownership Rate
Serving homeowners in Miami · Orlando · Tampa · Jacksonville · Fort Lauderdale
State License
FL-W462583
Regulated By
FL Dept. of Financial Services
Carrier Rating
A+ (AM Best)
Why Florida Homeowners Need Mortgage Protection
Florida homeowners already pay some of the highest property insurance premiums in the nation — but standard homeowners insurance doesn't cover your mortgage if you become disabled or pass away. With hurricane season running June through November every year, the financial disruption risk for Florida's 5+ million mortgage holders has never been more real.
Hurricane Season
Florida faces 6 months of hurricane risk annually. A major storm like Ian (2022) can displace homeowners for months and eliminate employment income for entire regions at once.
Storm Surge & Flooding
Coastal and inland flooding from tropical systems is a year-round threat. FEMA flood insurance covers property — but nothing pays your mortgage if you can't work.
Aging Population Risk
Florida has the second-oldest population in the US. Critical illness rates for heart disease, cancer, and stroke are significantly above the national average for homeowners here.
Three Layers of Protection for
Florida 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 Florida home?
No medical exam for most · Most FL applicants approved within minutes
Also licensed & serving homeowners in:
Washington
WA-971806
Oregon
OR-18669575
California
CA-4529149
Arizona
AZ-18669575
Texas
TX-18669575
Tennessee
TN-3004132492
Idaho
ID-18669575
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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