Keep your family in their home — no matter what life brings.
Mortgage Protection Insurance pays off your home if you pass away unexpectedly, so your loved ones never face foreclosure. Lock in coverage starting at $28/month.
- No medical exam for most applicants
- Approval in as little as 24 hours
- Rates locked for 30 years
- Return-of-premium options available
Protect your home in under 60 seconds
Your mortgage doesn't pause for tragedy.
1 in 4 American families would lose their home within 6 months if the primary earner passed away. Mortgage Protection Insurance makes sure that never happens to yours.
Built for families
The payout goes directly to your loved ones — they decide how to use it. Pay off the home, cover bills, or both.
Surprisingly affordable
Healthy 35-year-olds qualify for $250k of coverage for less than the cost of a Netflix subscription.
Fast & simple
Most applicants are approved in 24 hours with no medical exam — just a quick online review.
From quote to coverage in 3 easy steps.
Answer 4 quick questions
Tell us about your mortgage, age, and health. Takes under 60 seconds.
Compare quotes side-by-side
A licensed agent emails you options from A+ rated carriers — no spam, no pressure.
Lock in your rate
Sign electronically. Most policies are active the same week, with rates locked for life.
12,400+ homeowners trust High Caliber.
"We got our quote in literally one minute. The agent was kind, not pushy, and explained everything in plain English. Coverage was active within 8 days."
"I'd been putting this off for years thinking it'd be expensive. Turns out it costs me less than my morning coffee. Wish I'd done it sooner."
"After my husband's diagnosis, I couldn't sleep wondering about our house. The team found us coverage when others said no. Forever grateful."
We shop top-rated carriers so you don't have to
Everything you need to know.
How is this different from the insurance my mortgage lender offered?+
Lender-offered PMI protects the bank — not you. Mortgage Protection Insurance pays your family directly, and they decide what to do with the money. It's also typically 30-50% cheaper.
Do I need a medical exam?+
For most healthy applicants under 60, no. We offer simplified-issue policies that approve you based on a short online review — coverage can start within a week.
What if my health isn't perfect?+
We work with carriers who specialize in high-risk applicants — including those with diabetes, heart conditions, or a history of cancer. We almost always find an option.
How much does it cost?+
A healthy 35-year-old can get $250,000 of coverage for around $28/month. Older applicants and higher coverage amounts cost more — but most quotes come in well under what people expect.
What happens if I outlive the policy?+
Standard term policies simply expire. We also offer 'return of premium' options that refund 100% of what you've paid if you outlive the term.
Your family's biggest investment deserves protection.
Get your free, no-obligation quote in under 60 seconds. No spam. No pressure. Just peace of mind.
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