We got our home owners insurance to be paid yearly and not incorporate into our mortgage.
This was promised to me with my old LO and they didn't want to honor it. I climbed the NVR ladder 3 levels and low and behold.........problem fixed! And the fee waived too.
I am a fighter, and if I know I am right, I will keep fighting....
So guys always fight for what you feel is right :)
And you can get your home owners paid outside of your mortgage if you have 20% down with good credit scores!