[急救！！]OG-11-45

45 Fewer families lose their houses because of major disasters such as fire or flood than because of a wage earner's illness that results in death or disability. Yet, whereas most mortgage companies require borrowers to carry insurance to protect against major disasters, they do not require insurance to protect against the death or disability of a wage earner.

which would contribute most an explanation of the difference in insurance requirements?

正确答案：D．the value of a property to a mortgage company is not affected by the death or disability of a wage earner.

ＯＧ解释：this statement properly identifies the factor that explains the difference in insurance requirements: mortgage companies invest in property , not people, and a wage earner's loss of income does not affect the value of the property.

我的问题是：看不懂ＯＧ的解释，可能是我对原文和解释的理解都有偏差，哪位ＮＮ可以帮忙翻译或者讲解一下！！谢谢！

赚钱的人死了，但房产还在，mortgage companies 不会受到损失，但房产如果没有保险而被火烧或水淹，损失的就是房产公司了。以上愚见，不知正确与否

顿悟啊!!谢谢!!!!

我以前读题的时候一直是把思路局限于mortgage companies 到底给谁投保的问题,听楼上这么一解释,突然发现,原来原文不是这个意思,而是require borrowers to carry insurance,而不是他们要insure谁.他们只是为了确保自己的利益未受损害!