In the U.S., you generally pay your insurance and taxes with your payment. In fact, you are paying 1/12 of your next year's insurance and taxes each month. That way, when it comes due, the money is there and it gets paid. A good reason for that is that way, the mortgage company can be sure you're not going to lose your house to a fire or a tax lien and leave them holding the bag.
In fact, when you close, you usually have to buy a year's insurance and pay 2 months taxes in advance.
There are laws governing how much the mortgage company can hold. Our payment has fluctuated a little. We just got a letter saying our payment would be going down $50 per month starting next month, and a check for $600 for the excess escrows they were holding, to get them back under the limit.