Instead of having your homeowners insurance escrowed by the mortgage company, pay it yourself. Call your insurance company and/or your mortgage company to see if this is possible. It varies from company to company and depending on whether the property is owner occupied or a rental. Also, you’ll want to find out if the insurance company even takes credit card payments.
For example, the house we live in is insured by Allstate. They a) take credit cards, and b) allow us to pay the insurance yourself. So, that’s 2,000+ miles/year we started earning when we switched to paying it ourself. (It also gets us $2,000+ closer to getting our bonus miles.)
Our old house, which is also insured by Allstate, is now a rental property. Unfortunately, Allstate requires the mortgage company to escrow insurance for rentals. Drat!
Another rental is insured by a different, smaller company. Unlike Allstate, they allow for the homeowner to pay the insurance. However, unlike Allstate, they don’t take credit card payments, so there’s no incentive to pay it ourselves. Double drat!