When you're purchasing a home, Home.co.uk recommends that you insure your mortgage to cover any accident, injury or illness that might prevent your being able to keep up your mortgage repayments. life insurance, life assurance or mortgage protection insurance groups will be able to provide the cover you need. Please see our list of companies able to provide you with life assurance, life insurance and mortgage protection.

Legal and General Life cover is offered by Legal and General against life's unpredictability. This includes life insurance that can be used to pay off a mortgage or cover bills or decreasing life insurance, which is designed to protect a repayment mortgage. Over 50s life insurance as well as critical illness cover is also offered.

Royal London Life insurance mortgage cover for homeowners is available from Royal London. Having this cover means homeowners can continue to support their loved ones financially in the event of death. If you are the main earner in a household, you can ensure your family can continue to pay the mortgage should you pass away.

Aviva Mortgage protection insurance is offered by Aviva, which estimates that only around half of mortgage holders have life insurance. Only around a quarter of homeowners have critical illness cover or income protection insurance, which provides financial support to families if the main earner is diagnosed with an illness or is unable to work.

Vitality Mortgage protection insurance is available from Vitality from as little as £8 a month. The insurer stresses to homeowners that buying a house is one of the biggest financial decisions they will make. It is vital that families are protected should the household's main earner pass away or is unable to work.

Zurich A range of life insurance policies is offered by Zurich. This includes critical illness cover, where policy-holders can receive a lump sum on diagnosis of one of 40 conditions. The insurer also offers a beginners' guide to life cover.

To learn more about life cover see our Life Insurance and Mortgage Protection Guide

See also: Life Assurance, Mortgage Insurance and Mortgage Protection, Financial Services