Does homeowners insurance pay your mortgage payment if you are on Workman's Compensation?

Answer 1

No; homeowner's insurance is property coverage. Many forms of it do provide liability coverage (to defend and indemnify you if someone is hurt on the insured premises and you are determined to have been negligent), but in no case does it make payments of debts that you owe, such as a mortgage.

You would need to allocate a part of your worker's compensation payment toward the payment of the mortgage, or, if you have applicable short or long-term disability insurance, you could utilize that.

Alternatively, there are specialized individual insurance policies that can be purchased andthat are designed specifically to pay your mortgage for a period of time while you are disabled. If you are already injured and being paid workers compensation benefits, however, there may be a question of whether you will be accepted for such coverage, at least with respect to the current injury/illness. Insurance is generally not available to cover an ongoing loss/injury/illness unless it was in place before the loss/injury/illness began, because insurance by its nature covers fortuitous, not known, losses.

You may be best advised to contact the mortgage holder, explain the situation, and determine whether the missed payments can be added to the back end of the mortgage. While not ideal, it is far better than foreclosure.