家庭保險與抵押保險相同嗎？
家庭保險與抵押保險相同嗎？
 This question addresses the issue of policy names. A home policy could mean a homeowners insurance policy. A mortgage policy could be talking about the policy that protects a lender from default on a loan. The mortgage policy could also be talking about a term insurance policy that provides enough money to pay off the mortgage in the event of death during the term of the policy (and hopefully the mortgage.) Another problem is that there is a variety of property insurance policies, any one of which might satisfy a lender. Knowing the list of covered perils is critical and understanding the value added in a homeowners form is essential. The bottom line is that the home policy is probably designed to satisfy a lender and restore a damaged home for the benefit of the homeowner. The mortgage policy is generally designed to either insure enough money to pay off the mortgage or protect the lender against default by the borrower.
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