Am I paying my house insurance twice?!?!?

I just purchased my first house in July 08 and I am set up on a escrow account. I have allstate insurance, but I am totally confused about what the escrow account pays. I thought it pays for my pmi, city taxes, and homeowners insurance. Is that wrong? Allstate sends me a bill online everymonth for $ 48 (which i pay online out of my bank account) are they being paid through my mortgage company too. Im confused Help me out here

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