Protect Your Home Legacy with Sun Harbor Mortgage Protection.
Secure your family's future with Sun Harbor Mortgage Protection. Experience tailored coverage that safeguards your home and brings peace to tomorrow.
Explore Our Mortgage Protection Solutions
At Sun Harbor Mortgage Protection, we offer tailored insurance solutions to safeguard your home and finances against life's unpredictable events, ensuring stability for your loved ones.
Comprehensive Coverage for Your Mortgage and Family's Future.
Comprehensive Coverage Tailored for Homeowners' Essential Needs
Final Expense Life Coverage
Final Expense Coverage is permanent life insurance designed to cover your final expense upon death. These can include burial & cremation costs.
Disability Mortgage Payment Coverage
Disability Mortgage Protection covers mortgage payments if you're unable to work due to disability, ensuring financial security and home stability during tough times.
Critical Illness Financial Protection
Critical Illness Insurance: This coverage provides a lump sum payment for diagnoses like cancer, aiding with mortgage payments and other financial needs during recovery.
Testimonials
Jasmine Richards
Really appreciated NEPA's Mortgage Life and Critical Illness Insurance. It brought huge peace of mind knowing my family and home are secure, even if the worst happens.
Monica Chandler
Switched to NEPA after trying others; their Critical Illness and Disability Coverage are top-notch. Quick claims and reliable—really eased my mind during tough times.
Thomas Krazinski
Efficient unemployment protection kept our payments up during my job search. It provided crucial financial stability when we needed it most.
FAQs
Got Questions? Find Answers to Your Mortgage Protection Queries Here!
What makes mortgage protection insurance different from traditional life insurance?
Mortgage protection insurance is designed specifically to cover your mortgage repayments in the event of death, disability, or unemployment. Unlike traditional life insurance, the benefit is intended primarily to ensure that your mortgage is paid off, protecting your familys residency.
Is there a waiting period for the mortgage protection benefits to start?
Yes, there is typically a waiting or elimination period that applies before benefits begin. It usually ranges from 30 to 90 days depending on the policy terms for disability or unemployment insurance. Life insurance claims usually proceed after the confirmation of the claim and death.
Can I buy mortgage protection insurance if I already have a life insurance policy?
Yes, you can purchase mortgage protection insurance even if you already hold a standard life insurance policy. Many find that having both types of insurance provides a more comprehensive safety net.
What happens to the policy if I pay off my mortgage early?
If you pay off your mortgage early, you can choose to cancel your mortgage protection plan. Alternatively, you might be able to convert it into a standard life insurance policy depending on the terms provided by your insurer.
Are the premiums for NEPA Mortgage Protection plans fixed or do they change over time?
The premiums for most mortgage protection insurance plans are designed to be level, meaning they do not change throughout the term of the policy. However, conditions may vary depending on individual policy terms.
Can I increase my coverage amount if my mortgage balance goes up due to refinancing?
Yes, you can typically adjust your coverage amount if your mortgage increases due to refinancing or any additional loans secured on your property as long as you can qualify for the increase. It is important to review your policy under these circumstances to ensure your coverage remains sufficient to cover the new mortgage balance.