More Americans than ever are running side hustles, creative businesses, or full-time work-from-home setups. In fact, about 50% of small businesses in the U.S. are home-based (SBA data). Whether it’s photography, baking, consulting, or selling handmade goods, your home is doing double duty.

Mortgage protection is especially valuable if: You’re the primary income earner. You have young kids or dependents at home. You bought a home recently and are early in the loan term. Your spouse or partner couldn’t easily cover the mortgage alone.