Protect your Texas home and family with affordable mortgage protection insurance. Instant quotes, licensed Lone Star agents, coverage up to $1M, and quick estimates via our Mortgage Protection Calculator.
Texas' population surge increases mortgage sizes in Austin, Dallas-Fort Worth, Houston, and San Antonio. Mortgage protection secures those payments if a wage earner dies.
Energy, tech, logistics, and medical sectors create income volatility; insurance ensures stability.
Mortgage payments of $1,800–$3,400 are common in growth corridors—coverage pays the balance tax-free to beneficiaries.
Here's what Texas residents typically pay:
| Age | $200K Coverage | $300K Coverage | $400K Coverage |
|---|---|---|---|
| 30 years old | $19-26/month | $26-36/month | $36-48/month |
| 35 years old | $22-30/month | $30-42/month | $42-56/month |
| 40 years old | $30-42/month | $42-58/month | $58-78/month |
| 45 years old | $44-60/month | $60-82/month | $82-108/month |
| 50 years old | $66-88/month | $88-120/month | $120-165/month |
*Rates for non-smokers in good health for 20-year level term policies. Actual rates vary by insurer and health status.
Texas homestead laws protect equity—mortgage protection preserves that asset for survivors.
Locking in coverage early offsets potential premium increases later.
Life insurance pays regardless of storm or extreme heat events impacting other insurance lines.
Coverage stabilizes multi-industry households with variable compensation.
These carriers are licensed in Texas and offer competitive mortgage protection insurance rates:
A: Primary residences first, but supplemental term can cover additional properties.
A: Pricing is based on age/health/coverage, not hail zone classification.
A: 24–48 hours for simplified issue in most cases.
A: Yes—many policies allow partial reductions or layering additional term.
We provide mortgage protection insurance quotes and coverage throughout Texas, including:
Use these curated resources to compare Texas mortgage protection plans and stay confident in your decision.
Compare Texas market rates and underwriting fast.