Energy layoffs. Medical emergencies. One income gap can turn a $320K Houston home into a foreclosure notice. A mortgage protection policy closes that gap — same-day decisions, no exam required.
Three reasons Houston mortgage protection clients trust us with their families.
Houston's economy moves with oil prices. When the rig work dries up, a mortgage protection policy keeps your family in their home regardless of what the market does.
Harvey redefined how Houston thinks about home risk. A mortgage protection policy pairs with your homeowner's policy — one covers the structure, the other covers your family's ability to pay for it.
Tower Hill's instant underwriting means most Houston applicants get a policy decision in minutes. No blood draw, no nurse visit, no waiting three weeks for an answer.
Three tiers of coverage — choose what fits your Houston life and budget.
Most Houston advisors recommend coverage equal to your outstanding mortgage balance plus 12–24 months of living expenses. For a $320K median home, that typically means $350K–$500K in coverage.
Yes. Offshore energy workers can qualify for coverage, though some occupational ratings may apply. Tower Hill carrier network evaluates each case individually — a rating means a slightly higher premium, not an automatic denial.
Your policy belongs to you, not the address. If you sell, your coverage continues as standard term life insurance. You can adjust coverage amounts through your advisor if your financial picture changes.
Yes. Tower Hill holds Texas Department of Insurance license #2608479TX and is licensed to write policies statewide, including Harris, Fort Bend, Montgomery, and all surrounding Houston-area counties.
Mortgage protection pays a death benefit directly to your named beneficiary — not to your lender. Your beneficiary can use those funds for anything: mortgage payoff, property taxes, HOA fees, or living expenses.
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 Harris County