Real Estate Law
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Unfortunately, the mortgage lender in fact has the right to require mortgage borrower to pay money into an escrow for the homeowner's insurance which protects bank's collateral (the mortgaged house) and most mortgage agreements contain such terms which allow the mortgage lender / bank to do the above.
So, generally, it is a good idea to review the mortgage agreement which more than likely contains such terms that allow mortgage lender to purchase insurance coverage and to require mortgage borrower to forward money to the mortgage lender's escrow account.
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