First Protector® - Coverage Details

Valuable coverages for your home.

First Protector offers a variety of coverages for many types of residences including single family homes, condominiums, townhomes, mobile homes, seasonal/vacation homes and non-commercial rental properties you may own. Browse through our coverages below to select the coverage plan that is best for you and your home.

This benefit ensures the expense of your monthly mortgage payment is covered against perils that can damage and displace you from your home including fire, flood, windstorms, radiation, earthquakes, mudslides, volcano eruptions and gas leakage.

If one of these losses renders your home temporarily uninhabitable (for 48 hours or more), the Mortgage Payment Protection benefit pays your monthly mortgage payment for up to two full years while your home is being repaired or rebuilt.

This benefit pays regardless of all other insurance you may have, and requires that repairs to your home begin within ninety (90) days (120 in TX) from the date of loss for you to continue to qualify for benefits, up to the two (2) years maximum.

We understand that when disaster strikes, many homes are often impacted, and repair supplies and contractors may become scarce. To alleviate this risk, we offer an option to extend the time you are granted to start repairs from the standard 90 days (120 in TX) to 180 days from the date you are displaced from your home. This option ensures that you continue to qualify for the monthly mortgage payment protection benefit in the event you need additional time to secure resources to begin repairs to your home.

See Limitations and Exclusions for specific details about coverages.

If your home is damaged by a covered loss and cannot be made fit to live in by repair, restoration or reconstruction due to condemnation, or movement of the land on which your property exists, the Mortgage Balance Payoff benefit pays off your remaining mortgage balance after proceeds are paid by your homeowners policy.

See Limitations and Exclusions for specific details about coverages.

The Reimbursement of Homeowners Policy Deductible benefit will reimburse you the deductible amount you incur on any dwelling claim paid from your homeowners policy, up to the benefit limit you select. This benefit provides for reimbursement not once but twice in a 12-month period in the event you suffer more than one loss in the same year. In most states, you have the flexibility to select either a $500 or a $1,000 benefit to best align with your homeowners policy deductible amount.

See Limitations and Exclusions for specific details about coverages.

Losing your job can be financially devastating.

The Mortgage Payment Protection for Involuntary Job Loss pays your monthly mortgage payment, or a portion thereof, if you and/or your co-borrower (when joint coverage is selected) become involuntarily unemployed.

In the event you or your co-borrower (when joint coverage is selected) experience a covered loss of unemployment, this benefit will pay the monthly benefit amount for the number of months you select at time of purchase.

See Limitations and Exclusions for specific details about coverages.

The Emergency Cash benefit puts extra money in your pocket to further assist with the additional expenses you may incur as a result of being displaced from your home as a result of a covered loss. This coverage is offered at a $500 or $1,000 benefit amount. The funds will be mailed to you within 24 hours, to allow for your immediate use in paying for supplies, living expenses, or anything else you may need as a result of being displaced from your home.

See Limitations and Exclusions for specific details about coverages.