Is Homeowners Insurance Included In Your Mortgage Payment? 
It is optional but recommended as it is built into you home loan payments one less thing to have to worry about . But be buyer beware there has been in some places that the mortgagee picks your insurance carrier for you many of time they have insured the home for just of the amount of the loan . Not every insurance carrier will give you full replacement value and also keep in mind that you can not insure the land . Only the building . Many clients that I have had to help re write them do to improper coverage from another agency who insured it for the appraisal value which is NOT what the real value of the home is . 