Mortgage Insurance- do you have false positive protection?

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Some folks think the mortgage insurance their lender insisted they pay for gives them protection if they can't pay their mortgage payment.

The default insurance loaded to your mortgage balance is to protect the lender only.   If you become sick or injured and loss income to pay the mortgage payment, the default insurance cleans up the loss after the house is lost to you.

Moral of the story?  Talk to your mortgage professional about getting insurance that will protect you from events that will reduce your income.