Austin's tech-driven real estate market pushed median home prices to some of the highest in Texas. If you bought in the last three years, you're carrying a mortgage that requires serious coverage — not just a generic term policy. Tower Hill sizes the coverage to match the Austin market.
Three reasons Austin mortgage protection clients trust us with their families.
Meta, Tesla, and Dell have all restructured Austin operations recently. A mortgage protection policy ensures your home payment doesn't depend on your next Slack notification from HR.
At $552K+ median, Austin homeowners carry the largest mortgages in Texas. Standard 'Texas average' coverage calculators undersize coverage for Austin's reality. Tower Hill advisors know the difference.
Austin moves fast. So does Tower Hill's instant underwriting. Most applicants get a coverage decision without any medical exam — in the time it takes to watch a YouTube video.
Three tiers of coverage — choose what fits your Austin life and budget.
At minimum, your outstanding mortgage balance. Most Austin advisors recommend $600K–$750K to also cover 12–24 months of living expenses. Austin's cost of living means the buffer needs to be larger than in other Texas cities.
Consider a 20 or 30-year term to outlast career volatility. Tech layoffs are temporary — a 30-year mortgage is not. Longer-term coverage provides security regardless of employer changes.
Yes. Many Austin families layer both — mortgage protection covers the home specifically, while income protection replaces a broader share of lost earnings. Tower Hill advisors design both in one coordinated conversation.
Yes. Tower Hill holds Texas Department of Insurance license #2608479TX and is licensed statewide, including Travis, Williamson, Hays, Bastrop, and all surrounding Austin-area counties.
The policy belongs to you, not the address. If you relocate, your coverage continues as standard term life insurance wherever you live — no changes required.
Tower Hill serves all major Texas markets with licensed advisors and instant coverage decisions.
Apply online in minutes. Licensed Texas advisors available if you have questions.
Tower Hill Corp • TX License #2608479TX • Licensed in Travis County