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Home & Mortgage Insurance

What You Need to Know

If you are a homeowner or planning to buy a home, you may have heard of home and mortgage insurance. But what are they and why do you need them? In this article, we will explain the basics of these two types of insurance and how they can protect you and your investment.

Home insurance is a policy that covers your home and its contents from damage caused by fire, theft, vandalism, natural disasters, and other perils. Home insurance can also cover your liability if someone gets injured on your property or if you cause damage to someone else’s property. Home insurance is usually required by your lender if you have a mortgage, but it is also a smart way to safeguard your most valuable asset.

Mortgage insurance is a policy that protects your lender in case you default on your loan. Mortgage insurance is usually required by your lender if you have a low down payment (less than 20% of the home’s value) or a high loan-to-value ratio (more than 80% of the home’s value). Mortgage insurance can lower the risk for lenders and make it easier for borrowers to qualify for a mortgage. However, mortgage insurance does not cover you or your home; it only benefits the lender.

The cost of home and mortgage insurance depends on various factors, such as the value of your home, the amount of your loan, the type and level of coverage, the deductible, the location, and your credit score. You can shop around for different quotes from different insurers to find the best deal for your needs. You can also lower your premiums by increasing your deductible, improving your credit score, installing security systems, or making home improvements.

Home and mortgage insurance are important tools to protect yourself and your lender from financial losses. By understanding how they work and how much they cost, you can make informed decisions about your home purchase and ownership.

Home and Mortgage Insurance

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Our Customer Reviews

Here are a few things our customers have said about us on Google Reviews.

Vanessa Guevara
Vanessa Guevara
TRINITY deserves more than 5 stars! She’s amazing! Super helpful and on point! We called and she asked for our information to start right away and getting me quotes. After a long day of being at a car dealership and looking for a car we needed insurance to seal our deal and she was the cheapest as well! Many thanks Trinity for helping my daughter and I in getting us the cheapest best INSURNACE quote! Thank you for dropping what you were doing to help us! I highly recommend Voyage Insurnace Group and ask to speak with TRINITY she’s amazing! You won’t be disappointed!
Neto Lizama
Neto Lizama
Excwllent customer service!! Ruben and Chris are awesome alway ready to help me with all my questions. Response very quickly and I will not go anywhere else. My previous agent will take days to answer my phone calls and always will leave me with this feeling of not wanting to take care of my stuff. Thank you Ruben
Ariel Cope
Ariel Cope
TRINITY KNOWS HER STUFF!!! she is amazingly helpful and fast and patient!!!! Thank you for your help!!!!
Aden B
Aden B
Onto my 3rd vehicle getting insured with Voyage. They make it easy with amazing prices! Excellent customer service and will continue using them!
Joe Garcia
Joe Garcia
Awesome company and staff, would definitely recommend too anyone that wants to avoid all the hassle/time on getting insurance. They make is super easy and fast on finding the perfect insurance that fits you best.
Grace Pena
Grace Pena
I had a water leak in my bathroom..Seeping water thru floor boards & bathroom cabinet and tried to get my homeowner ins to come look at it.. claims adjuster came out and asked to call someone and imaging center to see where leak was before doing anything..called and they asked me to call ins.. after 2 months of do this do that.. Trinity Pigott (my ins agent) took the bull by the horns and got it all taken care of.. THANK YOU TRINITY For your persistence and staying on top of everything, u never forgot about me (1 out of many insurers) you truly are 1 in a Million!
Jeremy Martinez
Jeremy Martinez
Trinity is beyond awesome in my book! For past 4 years she has been of great assistance at literally any given moment for me personally! She really makes life easier when it comes to insurance coverage!
brenda reyes
brenda reyes
I’m very pleased with Voyage Insurance. I’ve been with them for about 3yrs now. Leandra & Azalea are always willing to help us get the best prices and good coverage of insurance. From Commercial, personal and home insurance.
Kennessey Hartley
Kennessey Hartley
Voyage Insurance Group is my go to for all of our investment properties. Trinity is always incredibly helpful, quick and efficient!