How it Works
(1) Review the Program Overview
(2) Select the coverage that best meets your needs - Option 1 or 2
(3) Review a sample Policy for that Option. Please read it carefully.
(5) Once your decision is made, click on the Enroll Now button on this page.
(6) You will next fill out the simple registration form and selection of payment options.
(7) You will be issued a policy and be covered. A hard copy of the policy will be mailed to you.
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Click Program Definitions for more details.
The DreamKeeper program overview highlights key features of the two different options available to the homeowner.
The coverage provides a maximum consecutive monthly payment up to $2000 per month for a 4 month period. It is possible that a covered person could be paid for two such periods during the term the insurance is in effect up to a total of $16,000 (or any combination of less than that, for example, 2 months of involuntary unemployment, back to work for 6 months, then 3 months of involuntary unemployment in the same coverage term, would result in $10,000 of payments for the total 5 months of unemployment).
There is joint coverage available for the same cost. For example, if a husband and wife are both working and selected joint coverage, both are covered for 50% of the maximum benefit ($8000 in total) and payment levels ($1000 per month). In the alternative, both may be insured fully by purchasing policies for each.
The actual maximum amount for monthly payment is determined by Principle, Interest, Taxes and Insurance (P.I.T.I.). This payment will be made directly to the homebuyer's mortgage company. There is a 90-day vesting period for all coverage’s. Options are not available in all states. There are eligibility requirements, dollar limits, time restrictions, conditions and exclusions for each coverage plan that could delay or even prevent payment of benefits.
In addition to this protective safety net, your Platinum membership offers access to a host of additional benefits, including access to MyDocumentCenter that securely provides internet storage for copies of your valuable papers such as deeds, insurance policies, wills, passports, auto title, etc. Click here for more information. This program was created by AHAA for its homeowner members to fill a need for protection of their most valuable asset in times of unexpected duress. AHAA is a national nonprofit membership association whose mission is to represent America’s homeowners in all aspects of this most important endeavor. DreamKeeper is a key new component provided as a service to our members.
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