Chicago Tribune - Down payment insurance coming in '16, but is it a good idea?

When you put down thousands of dollars to buy a home, you're taking a potentially serious financial risk: You could lose some or all of that money if the value of the house declines or a job transfer, illness or other life event forces you to sell the property during a dip in market demand.

But would you be willing to pay an insurer a one-time premium to protect your down payment against loss? There's never been such an option — so you can't be sure. But beginning in January that's likely to change with the projected nationwide rollout of something called +Plus by ValueInsured.