Homeowner insurance is not typically included in mortgage payments. Mortgage payments generally consist of the principal and interest on the loan, as well as property taxes and mortgage insurance if applicable. Homeowner insurance is a separate expense that homeowners are responsible for paying on their 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 the property, location, and coverage options. It is recommended to shop around and compare different insurance providers to find the best coverage and rates for your specific needs.