I've been there before. It sucks, but the sad truth is that if you have your money in escrow its going to be super sensitive to increases in insurance and or taxes. Because esentially what happens is that they've been collecting money from you all year thinking your insurance bil was going to be X, but wen it comes back way higher than X they have to start collecting money at a higher rate in anticipation of next year's payment AND they have to charge you to make up for th fact that they didn't have enough in your account to pay the bill. Sometimes I think it would be better to move on from escrow but I've never pulled the trigger