Is home insurance included in mortgage?

Home insurance is typically included in your mortgage payment but it is separated from the principal and interest and managed by an escrow account.  The escrow account also includes property taxes.  If you do not have home insurance or your home insurance cancels, your mortgage company will force place a minimum policy to cover their loan interest.  The lender forced placed home insurance does not protect you and also is the most expensive way to insure your home as it is considered high-risk insurance.