Mortgage Impairment Coverage is a wide-ranging insurance solution that offers versatility, simplicity and security that today’s clients are seeking. We offer coverage for institutions that own, service, or securitize mortgages. Our form is consistent with market standards with respect to price, product, service, and commission.

What we cover:

  • Earthquakes (In all states except California)
  • Flood coverage
  • Mobile homes
  • Checking and ex-checking
  • Title E&O and contingent coverage

What we write:

Why buy coverage?

  • E-Risk’s mortgage impairment coverage protects lenders from financial losses due to property damage that impairs the value of collateral.
  • It ensures lenders remain compliant with investor requirements, safeguarding against regulatory penalties.

Understanding coverage

Together with our London partners, we’ve developed an insurance solution that offers the versatility, simplicity and security that today’s clients are seeking. We offer coverage for institutions that own, service, or securitize mortgages.

Some of the highlights of this product include:

  • Capacity to write limits up to $5 million
  • Worldwide coverage
  • Earthquake coverage in all states except California
  • Flood coverage including lenders unrequired flood coverage
  • 90 days automatic protection for all perils
  • 3-year policy coverage
  • Coverage for newly acquired organizations
  • Non-cancelable policy Loss of Private Mortgage Insurance protection
  • Coverage for Mobile homes
  • Coverage for both checking and ex-checking
  • Title E&O and contingent coverage
  • Primary and Excess coverage available
  • Our policy is in full compliance with FNMA/GNMA/FHLMC
    • Minimum Premiums = $2K
    • Minimum Retentions = $1K
  • Capability to write Public Companies (portfolios > $1B require approval from Lloyds)
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