Home insurance premiums higher if escrow?

I was changing insurance carriers for home and auto. The agent for AAA insurance asked for a check for the homeowner’s premium. I said it’s paid through escrow. She didn’t know that and would have to recalculate the premium. It was almost 15% higher if paid through escrow! I had never heard there was a difference in premium based on where the money came from. Could this be correct or is the agent just confused? If this is true industry wide I’ve paid far too much for homeowners insurance over the 30 years I’ve had mortgages.

I believe that many mortgage companys may hold the insurance and property tax payments to make money. They compare the interest hey can receive vrs the late fees.

My mortgage company was always paying late and I had to keep following up.