When Is Homeowners Insurance Paid? 
Generally , Homeowners insurance is paid at the inception of the policy . As you can imagine , an insurance company does n't like to provide coverage without payment . You can pay your premiums all at once or in payments that can be as often as monthly , but you 'll always be paying ahead . The insurance company wo n't usually let you get behind . If your insurance is paid through your mortgage company escrow , they will pay the entire premium and then collect a portion from you every month . They 'll repeat this every year . They can do this because you usually have to pay your first year up front . Then , they 're collecting for next year . 