Insurable Interest Explained

Insured vs Insurable vs Uninsured — Explained Simply | lendsimpl

Same home. Three different rates. Why? It all comes down to how your mortgage is categorized—and risk plays a key role. Here’s the quick breakdown: Insured → You put ≤20% down, pay a one-time insurance premium, and often get lowest rates Insurable → You put 20%+ down, lender may insure it silently (usually 25-year amortization ...

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