Homeowner insurance typically does not include escrow. Escrow is a separate account that is used to hold funds for property taxes and insurance premiums. It is managed by a third party, such as a bank or a title company, to ensure that these expenses are paid on time. Homeowner insurance, on the other hand, is a type of insurance that provides coverage for damages to a home and its contents. It protects against risks such as fire, theft, and certain natural disasters. While homeowner insurance is an important part of protecting your investment, it does not typically include escrow. Escrow is usually set up separately by the homeowner or the mortgage lender to ensure that property taxes and insurance premiums are paid in a timely manner. ****