re: Buying my first house, insurance questions, need help

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I have never escrowed my homeowners insurance. Always pay myself, in full, with credit card (to get points).

I have seen and heard of way too many cases of mortgages not paying the insurance. For example, my mother. She escrowed, paid mortgage each month, Katrina happens, surprise she found out she never had insurance. For years. But paid chase mortgage for it for years. And guess where all her documents were? In the house that flooded.

I don't like to rely on anyone else paying my bills for me.

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I'd love to be able to do this. After googling, it seems like it just depends on the lender you use. Unfortunately, I don't believe I can do this with Chase.

Good job grabbing those points though