Homeowner insurance provides protection for the owner of the home in case the house and/or contents are damaged or stolen, and liability protection in case someone who is a guest is injured on the premises.
Whereas, mortgage life insurance pays out a death benefit to the beneficiary of the policy when the owner of the home dies.
The death benefit can be used to pay off the remaining mortgage loan owed on the home, so your family can remain in the home they shared with you.