Initially quoted approximately $500 yearly on a 30 year mortgage, I accepted the lesser amount offered from the initial company's premium. After taking it on, hopefully for the remainder of my mortgage payments. Two years later, with no claims filed, the premiums almost doubled. The mortgage company threatening forclosure if not paid as requested. After shopping around to no avail I found company s working together. Long story short, after a minimal amount paid on two claims over nine years I at one point paid triple premiums. I found a selected group of others were done the same way. User's recommendation: Get yearly rate increase in writing to cover the cost of living only.