Home insurance and mortgage payments are typically separate expenses. Home insurance is a policy that provides financial protection for your home and personal property, while mortgage payments are the monthly installments made to repay the loan taken to purchase the home. It's important to note that while home insurance is not typically included in mortgage payments, some lenders may require homeowners to escrow funds for insurance and property taxes as part of the mortgage payment. This means that the homeowner pays a portion of the annual insurance premium and property taxes each month along with their mortgage payment, and the lender holds these funds in an escrow account to ensure that these expenses are paid when they come due. However, the actual insurance policy is separate from the mortgage itself. It's advisable to consult with your lender or insurance provider for specific details regarding the inclusion of home insurance in mortgage payments.