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Comments. I have a different viewpoint on mortgage insurance as I never like to pay for what I don't have to. Level of comfortable risk is another. However I do agree to alway borrow money/establish credit facilities when you DON'T need it. Establishing credit always takes time and...

Dear Marc, Rolf is right. It is impossible to insure for everything -remember Insurance companies would only provide a product if they were making a profit on it and will find every possible reason not to pay. I believe in self insurance so that you have some in reserve when you need it...