The Mortgage U! Mortgage Education Made Easy

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Dave Zwierecki
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Protection against a specific loss over a period of time that is secured by the payment of a regularly scheduled premium.

If it is even remotely possible for your property to flood, you should obtain flood insurance. Most policies don't cover floods.

Many loans will allow the borrowers the option to set up escrow accounts to handle payments of insurance and taxes for their property.

Insurance coverage amounts and premiums can vary considerably. Be sure to spend time comparing and researching various policies so that you can be sure that the policy you are settling with meets all of your needs.

Often times your mortgage broker can give you a referral to a trusted insurance professional that can work with you during the home loan process.

All buyers are required to carry the nessesary insurance required by the lender.

Homeowners insurance also refered to as hazard insurance will always be a required insurance for homeowners to carry when obtaining a mortgage.

Two other forms of insurance that lenders require are title insurance, and mortgage insurance (if the loan is greater than 80% of the value of your home).

Insurance is not an option when buying a home. Lenders require that you carry enough insurance to cover the value of the home incase anything should happen.


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 Information listed above is to be used for educational purposes only and is not guaranteed

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