Housing lenders want to be assured that they will receive their money for the money that they loaned to customers, even if these customers suffer financial difficulties. Because people cannot guarantee that they will not lose their jobs, be injured while working, or suffer an unexpected illness that could prevent them from making mortgage payments, homebuyers are often required to buy mortgage insurance when they buy a home. This coverage ensures that people's payments will continue to be made on time, even if they cannot afford to pay their mortgage. This insurance can be used when people become injured or ill, as well as when they lose their primary jobs. This insurance guarantees that the lender will still receive its money and not have to worry about the customer defaulting on his or her obligation. Mortgage insurance may be required if people pay less than 20% down on their loans.