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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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Q	What was the world's highest viewing platform before the opening of the Empire State Building in 1939?
A	The Eiffel Tower, built between 1887-1889, was for 42 years the highest viewing platform in a man-made structure.
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Susan Orth, REALTOR®, real estate agent and broker for Santa Fe, Pojoaque, and Los Alamos New Mexico home listings, property and land for sale - NUMBER1EXPERT(tm)

Susan Orth
City Different Realty
1709 Paseo de Peralta
Santa Fe, NM 87501
Cell: 505-310-4133
Office: 505-983-1557
Email: SantaFe@SusanOrth.com
"I am passionate about my career and would love to go to work for you!" For over 20 years real estate has been my career. Contact me to be assured a smooth transaction; buying or selling. In addition to a BS degree in Psychology and an MBA, I have continued to enhance my real estate skills with education in many areas such as finance, marketing and technology, earning many professional designations from the National Association of Realtors. The Real Estate Industry has seen significant changes in the past several years, it is important to me to be on the leading edge of these changes. I take pride in my professionalism and in delivering excellent/personalized service to my clients. I would love to talk with you.

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