What this tool does

Use it to estimate a coverage range based on your mortgage balance and the number of years you want protection. The range is helpful for early planning, not a replacement for a carrier quote.

Why the buffer matters

Adding a small buffer helps your family cover payments, taxes, or short‑term costs while the claim is processed.

Next step

If the range fits your budget, compare term coverage types to decide between level and decreasing benefits.

Next step

See term quotes that match your mortgage

Compare carriers and choose the term length that protects your home and budget.

Compare mortgage protection quotes Read the comparison guide

Not available in NY.

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Reviewed by

Alex Morgan | Licensed Life Insurance Specialist

Alex helps homeowners match term coverage to loan terms and budgets.

Last reviewed: 2026-01-02

Licensing & Disclosures

Licensed in most U.S. states (excluding NY) Appointments with multiple A-rated carriers

Coverage varies by carrier and underwriting. Quotes are estimates until approved.

Not available in NY.

Estimates only. Not a loan payoff quote. Not available in NY.