One policy stands between your family and the bank.

A mortgage is a promise to keep paying — $2,012 a month on a typical Texas home worth $260,400. Mortgage protection is the safety net under that promise: if you're gone, it pays the balance so the bank is settled and your family stays put. It defends the people you're responsible for, not the lender. Texas lands near the middle of the country on home prices.

• Guarantees the loan gets paid even if your income can't
• Shields your family from foreclosure pressure during grief
• Coverage that follows your balance down as you pay it off

What you're protecting in Texas

• Median home value: $260,400
• Median monthly owner cost with a mortgage: $2,012
• Median household income: $76,292
• Homeownership rate: 62.6%

Source: U.S. Census Bureau, American Community Survey 2023 5-Year Estimates

A safety net for the one bill that can't lapse

Miss enough mortgage payments and the outcome in Texas is the same everywhere: the lender takes the home. Mortgage protection is built for exactly that failure point — it settles the $260,400-range balance so a loss of income never becomes a loss of the house.

Get a Texas mortgage protection quote or read the national picture in our mortgage debt data report.