The Insurance System Your Mortgage Depends On
Most people who take out a mortgage never think about insurance as part of the loan itself. It feels adjacent, a separate purchase, something the lender requires but does not really participate in beyond checking a box at closing. In practice, the insurance policy and the mortgage are tied together by a set of mechanisms that most borrowers never see and never need to, right up until something goes wrong. That is probably the clearest sign that the system is working. Infrastructure tends to be invisible exactly when it is doing its job.
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