Protect your California home and family with affordable mortgage protection insurance. Instant quotes, licensed Golden State agents, coverage up to $1M, and quick estimates via our Mortgage Protection Calculator.
California's high-cost metros—San Francisco Bay Area, Los Angeles, San Diego—often push mortgages well beyond $700,000. Mortgage protection ensures those payments vanish for your family if you pass away.
Wildfire, seismic risk, and income volatility in tech and entertainment make financial continuity planning critical. A dedicated policy retires the loan instantly so other life insurance dollars remain flexible.
Mortgage payments of $3,500–$7,500 are common in coastal metros. A single claim pays the remaining balance, protecting equity and preventing a forced sale during hardship.
Here's what California residents typically pay for mortgage protection insurance:
| Age | $300K Coverage | $500K Coverage | $700K Coverage |
|---|---|---|---|
| 30 years old | $34-48/month | $52-74/month | $72-104/month |
| 35 years old | $38-54/month | $58-82/month | $80-118/month |
| 40 years old | $48-66/month | $72-102/month | $100-146/month |
| 45 years old | $66-90/month | $96-138/month | $132-188/month |
| 50 years old | $92-128/month | $134-190/month | $188-264/month |
*Rates for non-smokers in good health for 20-year level term policies. Actual rates vary by insurer and health status.
Jumbo and high-balance mortgages amplify financial risk. Mortgage protection eliminates that liability overnight.
Life insurance benefits are hazard-agnostic—paid even if a disaster complicates property claims.
Variable compensation (options, residuals) complicates planning. A fixed death benefit stabilizes family finances immediately.
Paying off the loan preserves low property tax basis potential for heirs where applicable.
These carriers are licensed in California and offer competitive mortgage protection insurance rates:
A: No. PMI may be required under 20% down, but mortgage protection is optional life insurance for your family.
A: Coverage is cause-agnostic—if you pass away, the death benefit pays even if an earthquake caused related circumstances.
A: Yes—many Californians layer smaller term policies to mirror declining balances or future refinancing.
A: Most simplified policies approve within 24–48 hours if no exam is required.
We provide mortgage protection insurance quotes and coverage throughout California, including:
Use these curated resources to compare California mortgage protection plans and stay confident in your decision.
Get tailored options for high-balance or jumbo loans today.