Does Escrow Include Home Insurance? 
When the home goes through escrow , the lender will require that the buyer include payments for property insurance to an impound account if the loan is non-conforming . When a house is refinanced there can be communication problems with the home office of the insurance company , particularly if the buyer is replacing a conforming loan with a non-conforming loan and fails to tell the insurance company that the mortgage company will be paying future premiums . When the insurance company doesnt know , they dont send out a bill and the policy can lapse . 