Somebody please help with question about homeowners insurance!?

I bought my house in October 2009. At closing I paid for a full year of homeowners insurance. Today I got an invoice from my insurance company. When I checked my account online it says that the full year’s premium was paid in November, then there is a “credit” for most of the full amount, and now they’re billing me a 183.00 premium. I thought I was paying this amount throughout the year with my mortgage. That is what they told me at closing. Otherwise my house payment would be about 185.00 less per month than it is. Someone please help!?

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