I used to have my mortgage with Countrywide but it changed over to Bank of America. My Homeowners Ins. was not included in my mortgage, I paid it seperately. For a while I had no income because of health issues. I was recently declared disabled in July and was awarded SSI. Right about the same time I got a letter from BOA saying that they noticed that my insurance had lapsed and that if I did not get my own insurance by such and such date in September 09, that they were going to be putting their insurance on my bill every month. The first... read full review »