What Is Disability Mortgage Insurance? 
Disability mortgage insurance is traditionally a payment provision to a mortgage loan that pays the monthly payment when due if the borrower who opts to have the coverage is sick or hurt and unable to work under the provisions of the coverage . Alternatively , some people can purchase specific products that cover mortgage payments , or at least make the amount of the mortgage payment available as a disability income benefit , if the insured become sick or hurt and is unable to hurt . This coverage is bought to ensure that mortgage payments are paid when the borrower can not work to earn money to pay the mortgage . 