Sub-to Deals: How to handle Escrowed Insurance and Taxes

[Laurie Mohler]

I am considering selling a home as a hybrid: Subject-to my existing mortgage (@3.6%) plus cash and owner financing for the difference.   How do I handle the insurance and taxes?  Does the buyer pay my regular mortgage payment, and I keep the tax liability and the insurance in my name and add the buyer as an additional insured?  Or does the buyer purchase their own separate policy for the house, keeping my policy in place?   Looking for comments from someone that has been involved in a sub-to deal, either as the buyer or the seller.