Home Suite Home®

Nothing Says "Welcome Home" Like Home Suite Home

Home Suite Home is an exclusive Enact Mortgage Insurance program that helps your borrowers feel more secure in their new home. Upon closing, borrowers can select one of three benefits to add another layer of security to their lives. This benefit is paid for by Enact and provided at no cost to lenders or homeowners.

Borrowers Choose Their Benefit

With this program, borrowers* will get to choose from one of the following benefits to help them safeguard their new home:

  • Appliance Home Warranty**
  • Homeowners Insurance Deductible Reimbursement
  • Identity Theft Reimbursement & Restoration Consulting Services

Want to sign up? Contact your Enact Sales Rep for more information on Home Suite Home.

*Applicable on all MI applications received on or after a lender's program effective date.
**Appliance Home Warranty currently unavailable in CA, ME, NY, WA. 


Already a Participating Home Suite Home Lender?

Be sure to quote and order Enact MI for your > 80 LTV loans! After loan close, all eligible Enact MI borrowers will receive a letter in the mail directing them to the Home Suite Home website where they can select from one of three benefits from our suite. 

  • With the Homeowners Insurance Deductible Reimbursement, borrowers may be able to decrease their annual homeowners premiums, which may even decrease their PITI. 
  • With the Appliance Home Warranty, borrowers may elect for coverage to begin in 12 months so as to provide coverage during Year 2. 
  • Identity Theft Reimbursement provides reimbursement up to the aggregate limit of $1 million for expenses incurred as a result of recovering from fraud, theft, forgery, data breach or a stolen identity in a twelve (12) month period.

Resources for you! Use the borrower flier or digital brochure to show your borrowers the benefits of Home Suite Home. 


Eligibility Requirements

  • All submission channels, MI payment plans, LTVs, occupancy types, and property types are eligible.
  • Fannie Mae's High LTV Refinance Option and Freddie Mac's Enhanced Relief Refinance® are ineligible.
  • All approved Enact Master Policy holders are eligible to participate. Lending institution must opt-in to the program by contacting your Sales Representative in order for borrowers to be eligible for Home Suite Home benefits.

Home Suite Home is underwritten or provided by a third-party vendor and is subject to terms, conditions and exclusions set forth in an applicable insurance policy or home warranty and which are not fully stated here. The insurance products are underwritten by American Bankers Insurance Company of Florida and Voyager Indemnity Insurance Company. The Appliance Home Warranty is provided by National Product Care Company, except in Arizona and Oklahoma- Service Saver, Incorporated, in Florida- ServicePlan of Florida, Inc. and, in TX-National Product Care Company dba Texas National Product Care Company. Limitations, exclusions and coverages vary by policy terms and by state. Product is not available in some states and may be modified or withdrawn without notice. Appliance Home Warranty is currently unavailable in CA, ME, NY, WA. All information contained herein is subject to change without notice. As a condition of coverage, all eligible borrowers must visit hsh.smartermi.com and register before the applicable registration deadline. All information is accurate as of the date of publishing and subject to change without notice.