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  1. Though it is not mandatory by law to take a Home Loan Insurance Cover, but some banks in India do not approve loans untill you get the loan insured by them. You may call it the tactics of selling their another product or just as a safety measure for the loan repayment. Whatever be the reason, if you do not have any other bank approving you a loan without insuring the loan, then it leaves no choice for people like us !!

    But why dont you want to insure your loan, that a good thing to get it insured. Say in case of some misfortune, your dependants need not bother for the home loan at least.

    Happy and Safe Banking !!