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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 house is thought to be the first one designed by Frank Lloyd Wright?
A	Charnley House in Chicago, Illinois, is considered to be the first home designed by Wright while at Adler & Sullivan.
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The DamonSellsHomes Team, REALTOR®, real estate agents and broker for Fairfax, Clifton and Centreville Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

The DamonSellsHomes Team
Coldwell Banker Residential Brokerage
At the Crossroads of Northern Virginia
Fairfax Regional Office
4000 Legato Rd., Suite 100 , Fairfax, VA 22033
703-502-8787
Fax: 703-691-4656
Damon@DamonSellsHomes.com
Are you looking for a great Northern Virginia Realtor?
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We are #1 in Fairfax, Clifton & Centreville

Robin, Barbara and I take our professional real estate abilities and attitudes seriously. Yet we create a painless and enjoyable experience working hard for clients like you. We are successful for only one reason: we truly find homes for our clients, not just houses with new addresses. We really do mean it when we say we want the best for you and your family, because family matters. And with us, you have a new family of sorts, your realty family, and we promise to be your best advocates throughout the entire buying and selling process.

Northern Virginia is said to be one of the premier places to live in America. We couldn't agree more! If you're considering the sale or purchase of a home anywhere in Northern Virginia, you've come to the right place. With hundreds of millions of dollars in sales and decades of residential real estate experience, you can be confident about choosing us to be on your side. Please contact us anytime...morning, noon or night. We are USAA and Cartus Relocation Certified and we list and sell in every nook and cranny of Northern Virginia!

""The International President's Premier designation is the paramount honor among our sales force. Fewer than 1% of all 90,000 Coldwell Banker associates worldwide qualify for this most distinguished group."
- Alex Perriello, President and CEO of Coldwell Banker Real Estate Corporation.

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