Is Your Home Insurance Included In Mortgage Payment? 
Not always . It all depends on how the loan is structired from the beginning -LRB- or refinancing -RRB- of the loan . Some lenders REQUIRE that it be part of your escrow account along with your taxes . If it is NOT part of your escrow account , you can always make monthly payments . If you do NOT have your OWN home insurance , a lender will sometimes place `` FORCED PLACEMENT '' coverage on your home to protect the lenders ' interests . 