About Covered Homeowner
Licensed Life Insurance Agent · License #4027442 · Nevada
Every article on this site is written and reviewed by a licensed life insurance agent.
Meet Johnny Thomas
"Hi, I'm Johnny Thomas, a digital entrepreneur and licensed life insurance professional with experience helping families understand mortgage protection, life insurance, and financial protection strategies.
I created Covered Homeowner because many homeowners receive confusing mortgage protection letters, hear conflicting advice about life insurance, and struggle to find clear information about protecting their homes and families.
My goal is to provide straightforward educational resources, calculators, and guides that help homeowners make informed financial decisions."
Covered Homeowner exists because most new homeowners get their first introduction to mortgage protection insurance from a piece of mail designed to scare them into a phone call.
I'm a licensed life insurance agent. I sell both mortgage protection insurance and term life insurance, which means I don't have a horse in the race — I just want new homeowners to end up in the right product for their family.
This site is the resource I wish my own clients had access to before they ever spoke to an agent: plain-English explanations, real math, and an honest comparison of what the policies actually do.
If you want to talk after reading, I'm happy to. If you never want to talk and just want the information, that works too.