题目选项分析

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 of the following, if true, would contribute most to an explanation of the difference in insurance requirements?

【选项】The value of a property to a mortgage company is not affected by the death or disability of a wage earner.