Escrow typically does not include homeowner insurance. Escrow is a financial arrangement where a third party holds and manages funds and documents on behalf of the buyer and seller during a real estate transaction. It is commonly used to ensure that all parties fulfill their obligations before the transaction is completed. Homeowner insurance, on the other hand, is a type of insurance that provides coverage for damages to a home and its contents. It is typically purchased separately by the homeowner to protect against risks such as fire, theft, and natural disasters. While escrow may involve the payment of property taxes and mortgage insurance, homeowner insurance is not typically included in escrow. It is the responsibility of the homeowner to obtain and maintain their own homeowner insurance policy.