Home insurance can be paid through escrow in certain situations. Escrow is a financial arrangement where a third party holds and manages funds on behalf of the buyer and seller during a real estate transaction. It is commonly used for mortgage payments, property taxes, and homeowners insurance. Escrow payments for home insurance are typically required when a homeowner has a mortgage. The lender may require the homeowner to pay a portion of their annual insurance premium into an escrow account each month along with their mortgage payment. This ensures that the insurance premium is paid on time and helps protect the lender's investment in the property. The escrow account then pays the insurance premium when it is due. This arrangement provides convenience for homeowners as they don't have to worry about making separate insurance payments. It also helps ensure that the insurance premium is paid on time, reducing the risk of coverage lapses. However, if you own your home outright without a mortgage, you may have the option to pay your insurance premium directly to the insurance company without involving escrow. It's important to check with your lender or insurance provider to understand the specific requirements and options for paying your home insurance premium.