What are the pros and cons to paying home owner's insurance included in mortgage payment or separately?

The pros of making your inurance payment separately in my case is that it allows me to pay the entire year at once. I can then take the difference from what my monthly mortgage payment would have been and invest it until my next premium is due. I keep the gains, withdrawl the amount for the premium and repeat this prcedure year after year.

The con would naturally be coming up with the initial full year premium. As far as just making the monthly premium payment, I can't think of any advantages to paying the insurance company separately, other than if your premiums go down (yah right) you would realize the savings right away, instead of waiting for an escrow refund.

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