Mortgage agreement, as a rule, is a fairly long period, from 10 to 15 years is considered the optimal norm. But, over the years, becoming more of unforeseen events that lead to the damage or destruction of the collateral. Here and there the idea of ??insurance: only the company - the insurer will be able to protect the property interests of the borrower in case of his death, or damage to property, and to provide a refund to the bank. The purpose of insurance - to reduce credit risk, its redistri