Your loan and insurance.

[badmomma]

If you have a mortgage on your home you know that you have to have homeowners insurance.

If you are offered the other policies like life and disability you need to consider getting them.

In the event that you are injured or die these will help your family to keep their home.

Normally the cost of these types of insurances are factored into your house payment.

Not getting them can leave your spouse with a large house payment and no way to make it.

Consider your options,ask questions of the loan officer and get all available information available to you.