Sometimes no adventure is the best kind. In October I went to the credit union and learned to my surprise that there no longer was an escrow account with my mortgage. I was two days overdue for paying property tax and had to pay a penalty. Now the question of insurance has been nagging me.
Today I finally called -- best intentions every day for weeks gets nothing done! I found to my great amazement and delight that my homeowner's insurance is paid through April! A new account will be set up that will allow me to pay monthly, so if I sell the house, I'm not paid too very far ahead. Glad to have a problem solved so easily.