Individuals can mortgage loans. Personal mortgage housing loan insurance will encounter some unpredictable risks in the process of loan repayment. In order to avoid this risk, the bank will advise mortgage to buy a house people to apply for personal mortgage loans in home insurance. Does home insurance need real estate license for personal mortgage loan? Personal mortgage loan home insurance is a kind of housing property insurance, also known as housing mortgage loan insurance, which means that if the borrower encounters accidental injury during the insurance period, resulting in death, disability and loss of repayment ability, the insurance company will repay the remaining loan principal.