Does The Homeowner Insurance Pay For The Remaining Balance Of The House And Taxes?

So sorry your mom passed away...if there is a mortgage then you should check with her mortgage-holder/bank...like any loan home-owner insurance is required to get a mortgage...many loan require you to have life insurance in case the owner(your mom ) passes away and there is still a balance on the loan. Then the balance of the mortgage is paid off.  also, tax and insurance premiums are usually included in the mortgage payments, these payments are held in escrow until they are due for payment. If this is not the situation then you will be responsible for the taxes and the remaining mortgage...find your moms papers for her loan or ask to see them at her bank, you may have to have a death certificate to review these papers. If you and your sister are her only immediate relatives, then legally, i believe,  you are entitled to her things and home.  many states require a real will to be registered with the county if she had one done by a lawyer.  your first step to find out almost anything is to get the death certificate.   i hope i helped you out...may god help you through your grief and help you in your searches...

Sorry for your loss.  Did your mother have an attorney? If so he may have a copy of her will or tell you how to get it.  As far as I know, homeowners insurance  does not cover back taxes   or the remaining balance on the house.  Try to find the policy and look it over, it states specifically what is covered.  Sounds like you need some help.  I believe your local Legal Aid Society could provide you with a lawyer inexpensively. Otherwise you may make mistakes you wish you hadn't.
Good luck!

Did she have insurance on the ho3 {homeowners} policy to cover expenses in the event of her passing?  If so, the company may pay back taxes back to the date wherein said policy came into effect...good luck♥

No they don't that is something you and your sister has to do