You are the primary or sole income earner in your household. Single-income families have zero financial redundancy if the earner dies. Mortgage life insurance is not optional in this scenario — it is the minimum financial floor your dependents need.
You may be able to skip mortgage life insurance if:
You have no financial dependents. A single homeowner with no children, no co-borrower, and no heir who needs the home can reasonably decline coverage — the estate can liquidate the property to satisfy the mortgage.