Insurance documents.

Understanding Insurance

Are you confused by the different insurance products that are associated with home ownership and obtaining a mortgage? Let PNC Mortgage help you understand some of the different types of insurance and for some types even provide a convenient way for you to purchase the insurance, should you decide they are right for you. Our insurance licensed affiliate, PNC Insurance Services, LLC, carefully selects stable insurance providers whose products* meet our standards for quality and value.

Homeowners Insurance

Homeowners insurance provides financial coverage in the event of a covered loss to an insured's home, other structures or contents. In addition, homeowners insurance provides personal liability coverage for third-party claims.

Disaster Insurance

Disaster mortgage protection insurance pays the insured's monthly mortgage payments in the event a disaster such as fire, flood, earthquake, hurricane or tornado were to strike and cause the insured's home to become unlivable.

Mortgage Life Insurance & Mortgage Accidental Death Insurance

Mortgage life insurance pays off or reduces your mortgage loan balance (up to the policy maximum) in the event the insured dies before the debt is paid, enabling the surviving family members to retain their home.

Mortgage accidental death insurance pays off or reduces your mortgage loan balance (up to the policy  maximum) if your death is the result of a covered accident.

Private Mortgage Insurance

Insurance written by a private company protecting the mortgage lender against financial loss occasioned by a borrower defaulting on the mortgage.

FHA Mortgage Insurance

An undertaking by FHA to insure the lender against loss arising from a default by the borrower.

VA Funding Fee

A fee based on a percentage of your loan amount. This fee is paid by the Veteran and/or third party, directly to the Veterans Administration, to guarantee a specified portion of the loan, should the borrower go into default.

Flood Insurance

Protection against flood loss through the 1973 Flood Disaster Protection Act.



  • are not deposits of, guaranteed by or insured by PNC Bank, National Association, the FDIC 
  • or any Federal Government Agency are obligations of the issuing insurance company, which is not affiliated with PNC Bank, N.A. 
Insurance products are offered through PNC Insurance Services, LLC a licensed insurance agency affiliate of PNC Bank, N.A. PNC Insurance Services, LLC will receive compensation if you choose to purchase coverage through this program. A decision to purchase insurance coverage will not affect the cost or availability of products or services from PNC Bank, N.A.