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Ways to Pay Your Homeowners’ Insurance Premium

Many homeowners include their insurance premiums in their mortgage payments. The payments are generally held in escrow and forwarded to the insurer. But including your payment in your mortgage is optional and you can decide to pay the insurance premium separately if you choose. You may make one payment (in which case you may get a discount), or pay quarterly or monthly, however your insurer requires. It’s simply a personal choice and generally carries no advantage one way or another except—when you include your homeowners’ payment in your mortgage payment, you don’t forget, or neglect, to pay it on time.		  
 
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