Make Sure Your Family Can Keep the Home
Mortgage protection insurance helps ensure your loved ones stay financially secure if something unexpected happens.
At Ashley Insurance Agency, we help homeowners compare coverage from over 20 top A-rated insurance companies in a quick 15–20 minute phone appointment.
The application process is simple and requires no physical exam, and your coverage stays with you even if you refinance or sell your home.
Free consultation. No obligation.
20+ A-Rated Insurance Companies 1
No Medical Exam Requiredis
Fast 15–20 Minute Phone Appointment
t List
Why Homeowners Trust Ashley Insurance Agency
We make it simple to compare mortgage protection coverage from trusted carriers so you can choose the right protection for your home and family with confidence.
20+ A-Rated Companies
We represent over 20 top A-rated insurance companies, giving you access to strong coverage options from trusted carriers.
Quick Phone Appointments
Our appointments usually take about 15–20 minutes by phone, making it easy to review your options without disrupting your day.
No Physical Exam
The application process is simple, streamlined, and does not require a physical exam.
Coverage That Stays With You
Your policy protects you and your family — not the lender. If you refinance or sell your home, your coverage goes with you.
See how it works
How It Works
Simple. Fast. Designed to help you protect your family with confidence.
Getting mortgage protection coverage is quick and straightforward. Our process is designed to help you review your options, ask questions, and choose the protection that fits your family and your budget.
Request Your Quote
Start by filling out a short form or reaching out to schedule a quick phone appointment with one of our licensed agents.
Review Your Options
In a simple 15–20 minute phone appointment, we’ll walk you through your coverage options and help you compare plans based on your needs.
Choose Your Coverage
Once you find the right fit, we’ll help you complete the application process, which is streamlined and does not require a physical exam.
Mortgage Protection Coverage Options
Every homeowner’s situation is different. That’s why mortgage protection coverage can be structured in several ways to help protect your family and your home.
Our licensed agents help you compare options so you can choose the level of protection that fits your needs and your budget.
Full Mortgage Coverage
This option provides coverage for the entire remaining balance of your mortgage, helping ensure that your family can keep the home if something unexpected happens.
This protection helps remove the financial burden of the mortgage so your loved ones can focus on what matters most.
Half Mortgage Coverage
This option provides coverage for approximately half of the remaining mortgage balance.
It can significantly reduce the financial strain on your family while keeping coverage affordable. Many homeowners choose this option as a balance between protection and budget.
Mortgage Payment Protection
This option provides coverage that helps pay your monthly mortgage payment for 1, 2, or 3 years.
This gives your family time to adjust financially and make important decisions without immediate financial pressure.
Living Benefits: Protection While You’re Still Alive
Many mortgage protection policies include Living Benefits, which allow you to access part of your coverage early if you experience certain serious health conditions.
These benefits can provide financial support during difficult times, helping reduce stress while you focus on your health and your family.
Terminal Illness Benefit
If you are diagnosed with a condition that gives you 12 months or less to live, you may be able to access part of your policy early.
This can help cover medical costs, living expenses, or any financial needs your family may face.
Critical Illness Benefit
Coverage may be accessed if you are diagnosed with certain serious health conditions, such as:
• Heart attack
• Stroke
• Cancer
These benefits can help provide financial flexibility during recovery.
Chronic Illness Benefit
If you become unable to perform basic daily activities due to illness or injury, your policy may allow early access to benefits.
This includes situations where assistance may be needed with tasks like:
• Bathing
• Eating
• Dressing
This support can help families manage care expenses during long-term health challenges.
These benefits are designed to provide financial support when families need it most.
Your Protection Follows You — Not the Lender
Many homeowners are surprised to learn that mortgage protection insurance obtained through an independent agent protects you and your family, not the bank.
That means your coverage stays with you even if your mortgage situation changes.
Mortgage protection is designed to give homeowners flexibility and peace of mind, no matter how life changes.
If you refinance your mortgage
Your policy continues to protect you without interruption.
If you sell your home
Your coverage remains in place and can continue protecting your family.
Your family receives the benefit directly
Your beneficiaries decide how the funds are used, whether that means paying off the mortgage, covering living expenses, or providing financial stability.
Our Team
Meet the Team at Ashley Insurance Agency
Ashley Insurance Agency helps homeowners protect their families through simple, personalized mortgage protection solutions.
By representing more than 20 top A-rated insurance companies, we help clients compare options and find coverage that fits their needs and budget.
Our goal is always the same: clear explanations, straightforward guidance, and protection designed to give families peace of mind.
Ashley Philipp
Owner - Daughter
Wade Smith
Owner - Father
We provide reliable and flexible life insurance solutions designed to give you peace of mind. We help secure your family’s future—so you can focus on what truly matters.
Newsletter
© 2026 Ashley Insurance - All Rights Reserved.
Contact
FAQ
Privacy Policy