Ask an Agent: Does BHS offer mortgage insurance?

July 18, 2019
Homeowners Insurance,

Q: Does BHS offer mortgage insurance?


A: Actually, BHS does not offer mortgage insurance because we feel term coverage is a better option. Mortgage insurance only protects the mortgage company’s financial interest in the home. It does not cover your personal property within the home or anything beyond their financial interest in the physical structure.

In the event there is a claim, term coverage can be used to cover mortgage payment, content replacement, auto and student loans, etc. Many people appreciate this flexibility! A term premium costs about the same as a mortgage insurance premium, can be purchased in varying amounts, and is offered in 10, 20 and 30 year terms. Also, in the event of loss of life, the term policy holder’s beneficiary would be paid the policy amount.

What can BHS Insurance help you with? We have over 25 associates dedicated to finding the best coverage for your life, home and auto needs. Request a quote online today.


Answered by:



 Lisa Miller, Account Manager

      14 years’ insurance experience

      7 years at BHS Insurance