Florida Homeowners

What happens to your mortgage if something happens to you?

See personalized mortgage protection options from Florida's top-rated carriers. Coverage that helps pay off your home if you pass away, become critically ill, or are unable to work, so the people you love keep the roof over their heads.

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No cost, no obligation

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Includes living benefits

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Licensed Florida agent

Christian Nieto ✓ Licensed Florida Insurance Agent FL License #G160931

See Your Options in 90 Seconds

Answer a few quick questions to see what you qualify for

Plans starting around $32/month*

Step 1 of 5, Mortgage Balance

What's your current mortgage balance?

This helps us size coverage to match what you owe.

Step 2 of 5, Monthly Payment

What's your monthly mortgage payment?

Approximate is fine, this helps us match coverage to your budget.

Step 3 of 5, Health Info

Have you ever been diagnosed with heart attack, stroke, cancer, or diabetes?

This won't exclude your options, it just helps us find the best carrier match for you.

Step 4 of 5, Beneficiary

Who would receive the benefit?

This is the person who would receive the payout to keep the home.

Beneficiary Full Name

Their Relationship to You

Step 5 of 5, Your Information

Where should we send your quote?

We'll prepare your options and reach out within 5 minutes.

First Name

Last Name

Date of Birth

Email Address

Phone Number

By clicking "See My Options" I confirm I am the owner of the phone number provided and agree to receive calls and text messages from Christian Nieto, a licensed insurance agent, including via automated dialing system. Consent is not a condition of purchase. Message and data rates may apply. View our Privacy Policy.

You're Pre-Qualified

We're preparing your personalized options right now.

What happens next: I'll personally call you from (689) 314-6745 within the next 5 minutes.

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Backed by A-Rated Carriers Trusted Across America

How It Works

Three simple steps. No pressure, ever.

A clear, transparent process designed to give you real options without the high-pressure sales tactics.

Tell us about your home

Quick questions about your mortgage, age, and family. The whole thing takes under two minutes.

Compare real rates

We pull options from top-rated carriers and show you what you actually qualify for. No estimates, no bait-and-switch.

Protect your home

Pick the plan that fits your budget. Coverage can be in place in as little as 48 hours, often with no medical exam.

Living Benefits Included

Coverage that protects you while you're still here.

Most policies we offer include built-in living benefits. Meaning the coverage isn't just for your family after you're gone, it can pay you, today, if life throws you a curveball.

Critical Illness

If you're diagnosed with a heart attack, stroke, cancer, or other qualifying condition, you can access a portion of your death benefit while still living, to pay your mortgage, medical bills, or anything else.

Chronic Illness & Disability

If you become unable to perform daily living activities, or are disabled and unable to work, your policy can advance funds to keep your mortgage paid and your family stable.

Mortgage Payoff at Death

The original purpose of the coverage. If you pass away, the death benefit goes directly to your beneficiary, who can use it to pay off the home so your family keeps it free and clear.

Common Questions

Everything you're wondering, answered honestly.

Is this just life insurance?

Mortgage protection is a form of life insurance, but it's structured specifically around your mortgage. Depending on your age, health, and budget, it can be a term policy (coverage for a set number of years), a permanent policy like whole life or IUL (lifelong coverage that builds cash value), or a combination of both. We design it around what you actually need to keep the home protected.

What are living benefits?

Living benefits let you access a portion of your policy's death benefit while you're still alive if you experience a qualifying critical illness (heart attack, stroke, cancer), chronic illness, or disability. Most policies we offer include them at no extra cost, meaning the coverage protects you, not just your family.

Do I need a medical exam?

Often no. Many carriers offer "simplified issue" or "no-exam" policies where you answer a few health questions and get approved in 24 to 48 hours. For some applicants, a brief in-home paramedic visit can unlock lower rates. We'll walk you through both options.

How much does it actually cost?

Premiums depend on your age, health, mortgage amount, and tobacco use. A healthy 45-year-old non-smoker with a $300,000 mortgage can often find coverage around $32 to $55 per month. Older or higher mortgage balances cost more, but we shop carriers to find your best rate.

What if I already have life insurance?

Great, you may already be partially covered. In many cases, we can layer a mortgage-specific policy to fill the gap, or show you a combined plan that's more cost-effective. It's worth a 10-minute conversation to see what makes sense.

What makes Casana different?

I'm a licensed Florida agent, not a call center. I work with multiple A-rated carriers, which means I can shop the market for your best rate and pair you with the right type of policy (term, permanent, or hybrid) instead of pushing one company's product. And I never use high-pressure tactics. If it's not a fit, I'll tell you.

Your family didn't sign the mortgage. Make sure they don't inherit it.

See what mortgage protection looks like for your specific situation. Under two minutes, no cost, no pressure.

See My Options →