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Will MoveZen Pay My Property Insurance or Property Taxes on My Behalf?

Short answer: usually no — and that’s by design.

Audience: rental property owners who want to understand how property insurance and property tax payments are handled, what MoveZen can and cannot pay, and how these costs typically flow through accounting.

Property insurance and property taxes are handled differently from repairs, utilities, or HOA dues, and in most cases they’re paid outside of day‑to‑day property management.

Here’s how it works and what to expect.

FAQs ❓

Will MoveZen automatically pay my property taxes for me?
Typically, no.

Will MoveZen pay my property insurance premiums?
Typically, no.

Why are these treated differently than HOA dues or repairs?
Because they’re large, infrequent, owner‑specific obligations that are often handled through escrow or directly by the owner.

Can MoveZen ever pay them if I ask?
In very limited, pre‑approved scenarios and only with explicit authorization and setup.

Will these expenses show on my Owner Statement?
Only if MoveZen is authorized to pay them from your trust balance.

How Property Taxes Are Usually Handled 🧾

In most cases, property taxes are paid in one of two ways:

1. Through Your Mortgage Escrow (Most Common)

If you have a mortgage:

  • Your lender collects monthly escrow payments

  • The lender pays property taxes when due

  • MoveZen is not involved in that process

This is the cleanest and most common setup.

2. Paid Directly by the Owner

If the property is free and clear (or escrow is not used):

  • Tax bills are sent directly to you

  • You pay the county or municipality

  • MoveZen does not receive or process the bill

This avoids trust‑account risk around large, infrequent payments.

How Property Insurance Is Usually Handled 🛡️

Property insurance is also almost always handled outside of property management.

Common setups include:

✔ Insurance bundled with mortgage escrow

✔ Owner pays the carrier directly (annual or monthly)

✔ Policy managed by your insurance broker

Because insurance policies:

  • Are tied to ownership and lending requirements

  • Can change carriers or coverage mid‑year

  • Involve large annual premiums

…they’re usually not paid from monthly rent proceeds.

Why MoveZen Doesn’t Automatically Pay Taxes or Insurance ❗

There are several practical and compliance reasons:

✔ Trust accounting rules

Large, infrequent bills can create compliance risk if funds aren’t available exactly when due.

✔ Escrow conflicts

Paying a bill already covered by a lender escrow can cause double‑payment issues.

✔ Policy control

Insurance coverage decisions should remain fully under owner control.

✔ Timing variability

Tax and insurance bills don’t align cleanly with monthly rent cycles.

✔ Audit clarity

Keeping these items owner‑paid simplifies accounting and reduces errors.

This setup protects both owners and MoveZen.

Can MoveZen Pay Taxes or Insurance in Any Scenario? ⚠️

In limited cases, yes — but only if all of the following are true:

  • You explicitly authorize bill pay

  • Accounting approves the setup

  • Bills are predictable and documented

  • Sufficient funds are always maintained

  • There is no mortgage escrow conflict

This is not the default and requires careful configuration.

If approved, the payment would:

  • Be treated as an owner expense

  • Be paid from your property’s trust balance

  • Appear clearly on your Owner Statement

Most owners still prefer to pay these directly.

What Owners Should Do Instead (Best Practice) ✅

To keep things simple and compliant:

✔ Confirm whether your lender escrow pays taxes and insurance

✔ Calendar tax due dates if you pay directly

✔ Keep insurance policies active and up to date

✔ Share insurance info with MoveZen for records (not payment)

✔ Maintain a repair reserve separately for property operations

This division of responsibility keeps accounting clean and predictable.

How This Appears (or Doesn’t) on Your Owner Statement 📄

  • Owner‑paid taxes or insurance:
    Not shown on your MoveZen statement

  • Escrow‑paid taxes or insurance:
    Not shown on your MoveZen statement

  • MoveZen‑paid (rare, approved cases):
    Shown as a clearly labeled expense line item

For statement basics, see:

https://know.movezen360.com/how-and-when-will-i-receive-financial-statements-for-my-property

Common Owner Questions (Quick Clarifications)

  • “Can rent be used to cover my tax bill?”
    Not automatically. Funds must be available and authorized.

  • “Can MoveZen remind me when taxes are due?”
    Owners should track tax and insurance deadlines independently.

  • “Does MoveZen need my insurance info?”
    Yes for records, compliance, and coordination during claims (not for payment).