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Real Estate Tips
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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Real Estate Trivia
Q 
What island in the St. Lawrence River was given away on a television game show in 1964?

A 
Price is Right Island was given away by Bill Cullen on "The Price is Right."
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The Keith Sealover Team, REALTOR®, real estate agents and broker for Mechanicsburg, Camp Hill and Harrisburg, Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

The Keith Sealover Team
Keller Williams of Central PA.

4242 Carlisle Pike, Suite 151
Camp Hill, PA. 17011
Office: 717-364-3808
Fax: 717-761-4338
Mobile: 717-574-1186
Email: keithsealover@NUMBER1EXPERT.com

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