Possible to have a mortgage loan where homeowners ins. is not escrowed ?

My sister has her mortgage with Bank of America. She swears she pays $ 40 a month for homeowners insurance – seperate from the mortgage check. I guess she sends State Farm a payment every month.
Have you ever heard of a mortgage where your payment is NOT included and escrowed?
Edit : Mikey loves to learn things………Thanks.
Edit : Mikey loves to learn things………Thanks.

My cousin and I were the remaindermen of a life estate and acquired the deed to a family farm in Iowa. However, the property has a mortgage on it (my cousin needed the mortgage for a loan to buy more acreage). Can I still petition the court to partition the land despite the mortgage?


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