While buildings insurance protects the bricks and mortar of your property, mortgage protection ensures your family has the financial means to keep the home if life takes an unexpected turn. As independent advisors based in Coventry, we help families across Warwickshire and the West Midlands set up bulletproof safety nets. You can speak with a mortgage protection specialist today to explore budget-friendly options.

Mortgage protection insurance is a type of cover that helps pay off or keep up with your mortgage repayments if you pass away, become critically ill, or are unable to work due to illness or injury. It’s designed to protect your home and the people in it from financial stress.

The right policy ensures that even if the unexpected happens, your loved ones can stay in their home and continue life without the added pressure of monthly repayments.

No one expects to fall seriously ill or lose their income, but if your household couldn’t keep up with mortgage repayments without your salary, the impact could be significant, especially during an already difficult time.

Having the right cover in place:

Keeps your home secure, even if you can’t work
Reduces financial pressure for your partner or family
Ensures your mortgage is paid off in full if you pass away (depending on policy type)
Offers peace of mind from the moment you collect your keys

Mortgage protection policies can be tailored strictly to your remaining loan balance, meaning your premiums remain highly cost-effective compared to standard life insurance. Because we are independent brokers, we compare the UK's leading insurers to find flexible underwriting terms that match your health and lifestyle. To find out what cover fits your family structure, you can request an independent mortgage protection review with our local team.

Life insurance (mortgage life cover)

Pays off your mortgage in full if you pass away during the term of the policy
Typically designed to match the amount and duration of your mortgage
Can be level term (fixed payout) or decreasing term (reduces over time with your mortgage balance)

Critical illness cover

Pays a lump sum if you’re diagnosed with a serious illness covered in the policy (e.g. cancer, heart attack, stroke)
Can help pay off the mortgage or provide funds during recovery
Often added as a combined policy with life cover

Income protection

Provides a regular monthly income if you're unable to work due to illness or injury
Helps cover your mortgage payments and other essential bills
Especially valuable for self-employed workers or those without sick pay

Explain your options clearly, breaking down the technical terms and cover types

Review any existing policies to identify any gaps or duplication

Tailor a solution to fit your budget, mortgage length, and family circumstances

Handle the paperwork, from quotes through to application, all in one place

Mortgage protection is especially important for:

First-time buyers taking on their first big financial responsibility
Families where one or both incomes are needed to cover monthly repayments
Self-employed individuals without access to sick pay
Homeowners with dependents who couldn’t cover the mortgage alone

Ideally, mortgage protection should be in place from the moment your mortgage begins, but it’s never too late to review your situation.

You could find a basic policy online, but the cheapest option isn’t always the right one, and many off-the-shelf policies don’t offer the flexibility or cover you actually need.

At Jigsaw, we:

Compare policies across a wide range of insurers
Tailor cover to match your mortgage and lifestyle
Explain everything clearly — no jargon, no guesswork
Ensure you’re not underinsured or overpaying
Give you peace of mind that your home is protected, whatever the future holds

How can we help you?

Know your budget

Get a quick estimate of your buying power based on your income and budget.

Get mortgage in principle

Secure a lender-backed agreement to strengthen your offer on a property.

See your monthly payments

See what your monthly payments could look like with our easy mortgage calculator.

Find out what you can afford in minutes

Get clarity before you start house hunting

Understanding what you can realistically afford is the first step towards a stress-free home-buying journey. Our affordability tool gives you a quick, realistic estimate of how much you may be able to borrow, based on your income, outgoings, and deposit.

A quick check, with no impact on your credit score

The tool is completely free to use, takes just a couple of minutes, and won’t affect your credit score — so you can explore your options with confidence and no pressure.

Plan with confidence, whatever your next step

Whether you’re a first-time buyer, moving home, or simply exploring what’s possible, this check helps you set a clear budget, focus on the right properties, and avoid unwelcome surprises later on.

Mortgage Protection Insurance in Coventry & Warwickshire

Rate match guarantee

You won't find a better deal anywhere else and if you do we will pay the difference!

What is mortgage protection coverage and do I need it?

Why is mortgage protection so important?

The difference between life cover and income protection