Homeowner insurance is typically not included in your mortgage payment. Mortgage payments usually consist of principal, interest, property taxes, and sometimes private mortgage insurance (PMI). Homeowner insurance is a separate expense that you will need to pay on your own. It is important to have homeowner insurance to protect your property and belongings in case of damage or loss due to events like fire, theft, or natural disasters. The cost of homeowner insurance can vary depending on factors such as the value of your home, location, and coverage options. It is recommended to shop around and compare quotes from different insurance providers to find the best coverage and price for your needs. Remember to budget for homeowner insurance separately from your mortgage payment to ensure you have adequate coverage and protection for your home.