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Does your mortgage payment include home insurance?

I was just pre-approved for a mortgage. My bank gave me an estimated monthly payment, but said I’ll also need home insurance. Does my mortgage payment include home insurance?

avatar
Melanie Mergen · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congrats on your pre-approval! If your lender sets up an escrow for you, your mortgage payment includes funds that go towards your home insurance and property taxes.
The estimated monthly payment your lender gave you is typically based on the average cost of
home insurance
 and property taxes in your area. The estimated payment will also include any mortgage insurance or other fees. That said, you’ll want to reach out to your lender to clarify, so you can properly budget.
If you’d like to see how much your mortgage payment will be with home insurance, property taxes, and fees factored in based on the home you purchase, you can use online calculators as well.
As you begin searching for home insurance, consider using the
Jerry
 app. Jerry is the easiest and most effective way to find a home or renters insurance policy that is customized for you. You can even bundle your policy with your car insurance for the most savings.
After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to. They even help cancel your old policy!
MORE:
How to find car and home insurance quotes online
MovingHome Insurance
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