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Insurance >Do You Need Mortgage Protection
If you have a mortgage on your home, you may have received several offers from insurance companies that sell coverage to pay off your mortgage in the event you die unexpectedly. Although insurance in general is a good idea, mortgage insurance is usually a poor value in most cases.
If you read the large print, it appears that the policy will protect your family if you die before your mortgage is paid off. All you have to do is fill out the paperwork, have a physical exam, and pay a little more each month. The fine print, however, may limit the coverage relating to accidental death. If there are two people on the deed of trust, the policy may pay only half if one of them dies.
When considering mortgage insurance, call a good insurance agent before you send in your forms. Insurance experts usually advise against separate policies to cover various contingencies. A regular term life insurance policy equal to the amount of your mortgage will probably offer you a lot more coverage for your money.
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What are considered the ideal conditions for a seller's market?
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| A |
In a seller's market, prices are firm and good houses are sold before advertised or as soon as they show up in the MLS. |
 See More Real Estate Trivia > |
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The Childers Team
Childers Sotheby’s International Realty
Providing Real Estate Services at the Jersey Shore
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