Taxes for Owner Finance Properties

[Bosque Moore]

Novice question!  If a property is being owner financed to a buyer, taxes, insurance, etc. are expenses that the buyer covers.  As with conventional lending, this is part of the note and set aside in escrow oftentimes.  

Do most investors include the same language in the sales contract when executing an owner finance deal?  i.e., are these built into the promissory note and sales agreement, and is it outlined as would be with traditional lending (mortgage due, interest, taxes, etc.)?  Does the same work for insurance?