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Mortgage Protection Insurance and PMI: What’s the Difference?

Mortgage Protection Insurance

Mortgage protection insurance would cover your monthly mortgage payments if you were to pass away while your policy is in force. Your family would receive a lump sum benefit that they could use to pay the mortgage payments so they could remain in the family home. As a homeowner, mortgage protection insurance helps you make sure your family is financially protected should anything happen to you.

Private Mortgage Insurance (PMI)

PMI protects the lender, rather than you and your family. If your family defaults on the mortgage, which often happens when the main breadwinner dies, the insurance company sends the money to the bank and your family loses their home. PMI is required for any mortgage in which the homeowner owes 80% or more of the home value.

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More on Mortgage Protection

Customized Mortgage Protection Insurance

Mortgage protection insurance provides customized coverage to protect your loved ones.
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Differences Between Homeowners Insurance and Mortgage Protection

Homeowners insurance is for your home, while mortgage protection is for your loved ones.

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Contact Us

Doorway Home Loans
200 E. Sandpointe Ave,
Suite 650
Santa Ana, CA 92707

“Quility” is a brand name used by the Quility family of companies. All insurance offers, solicitations, and recommendations are being made by Quility’s licensed affiliated insurance producer Asurea Wholesale Insurance Services LLC (d/b/a QuotePath Insurance Marketing and Mortgage Protection Insurance Services in California). No offers, solicitations or recommendations are being made in any state where one of Quility’s licensees does not have a license. Please see our License Page for a list of all of Asurea Wholesale Insurance Services LLC’s license numbers in each state.

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