Mortgage Protection Insurance · South Florida
Keep the house in the family — even if the paycheck stops.
Life insurance sized precisely to your mortgage, so a death or disability doesn't put your Broward or Palm Beach County home at risk. Independent quotes, no bank-branded markup.
Why it matters
South Florida home prices made this coverage essential again.
Median home values across Broward and Palm Beach County have pushed monthly obligations — principal, interest, insurance and taxes — to levels a single surviving income often can't carry. Mortgage protection is simply life insurance sized to that specific liability, with the family, not the lender, as beneficiary.
That distinction matters. Lender-sold mortgage life insurance pays the bank a declining balance. A properly written policy pays your spouse the full face amount, and they choose whether to pay off the loan, keep the low interest rate, or cover taxes and insurance while they get their footing.
What's included
What we include in a mortgage protection plan.
Coverage Matched to the Loan
Term length aligned to your remaining payoff — 15, 20 or 30 years.
Family Is the Beneficiary
Not the bank. Your household decides how the money is used.
Disability & Critical Illness Riders
Optional coverage that makes payments if illness or injury stops your income.
Return of Premium Option
Some carriers refund every dollar of premium if you outlive the term.
No-Exam Underwriting
Most homeowners qualify without labs or a paramed visit.
Includes Taxes & Insurance
We factor Florida's property insurance and tax burden into the coverage amount.
Free Quote
Free quote, no obligation — usually back the same business day.
Daniel personally reviews every request from Broward and Palm Beach County. 18 years of tenure, 30+ A-rated carriers.
Frequently asked
Mortgage Protection questions we hear every week.
Is mortgage protection insurance the same as PMI?+
No. PMI protects the lender if you default. Mortgage protection is life insurance that protects your family by paying them a benefit large enough to handle the home loan.
Should I buy it from my bank?+
Usually not. Bank policies often pay a declining balance directly to the lender and cost more than open-market term coverage for the same protection.
How much does it cost?+
It's priced like term life. A healthy 40-year-old covering a $400,000 balance for 20 years commonly lands in the $30–$55/month range.
What if I refinance or move?+
The policy is yours, not the lender's. It follows you to the new loan or the new house with no changes required.
Can I add disability coverage?+
Yes. Disability and critical illness riders can cover monthly payments during recovery — a common add for self-employed South Florida homeowners.
Also from PB & J Insurance
The rest of your coverage, in one place.
Ready when you are
Let's put the right coverage in place.
Serving Fort Lauderdale, Pompano Beach, Boca Raton, Delray Beach, Boynton Beach and West Palm Beach.