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Disability insurance coverage for homeowners

Make sure your house stays home

If you get sick or injured and can't work, Haven Disability helps you keep your mortgage payment covered.

Haven Disability for homeowners at a glance

Product type Short term disability income insurance
Issued by Massachusetts Mutual Life Insurance Company (MassMutual)
Application Digital
Age eligibility 18-55
Coverage amounts $500 - $5,000
Benefit period options 3, 6, and 12 months
Elimination period options 14, 30, and 60 days
Premiums paid Monthly or annually
Benefit payments Tax-free
Guaranteed renewable To age 65
Availability All states except CA, DE, FL, MT, ND, NY, SD, and WY (more coming soon)

Learn how disability insurance works

When rainy days come, disability insurance can help keep the roof over your head

The median monthly mortgage in the U.S. is

$1,513 per month1

For a 30-year-old woman

A disability insurance policy with a $2,000 monthly benefit costs $27.85 per month*

* Rate shown for a healthy non-smoking bank teller from WA with a 6 month benefit period and 14 day elimination period. Refer to important information about policy limitations and exclusions.

A new parent will buy around $70 worth of diapers per month.2

Cute babies

The average American adult spends $23 every week on coffee.3

Coffee cups

Cover your mortgage for less than two weeks of lattes. (And in about the time it takes to make one.)
Check your price

Protection you can count on, backed by MassMutual

Every Haven Disability income insurance policy is issued by MassMutual, one of the country’s oldest and most reliable insurers.

A++ A.M. Best rating for financial strength and claims-paying ability4

$6.2 billion combined insurance and annuity benefits paid in 20205


Join the thousands
of customers who love Haven Life

Heard enough?
Get a quote today.

It’s important to be honest in the application process. The issuance of the policy or payment of benefits may depend upon the truthfulness of answers you give in the application.

1 Source: What’s the Average Monthly Mortgage Payment?, Ramsey, May 2020

2 Source: National Diaper Bank Network, Jul 2019

3 Source: One-Third of Americans Spend More on Coffee Than on Investing, The Motley Fool, Jan 2018

4 Massachusetts Mutual Life Insurance Company (MassMutual) and its subsidiaries C.M. Life Insurance Company and MML Bay State Life Insurance Company are rated by A.M. Best Company as A++ (Superior; Top category of 15). The rating is as of February 1, 2021 and is subject to change. MassMutual has received different ratings from other rating agencies.

5 Source: MassMutual 2020 Annual and Corporate Responsibility Report