Who Pays for Title Insurance on a Home Purchase?

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Who Pays for Title Insurance on a Home Purchase?
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Our bank requests that we get the lender’s title insurance based on a review of the documents. Our real estate agent says we also have to buy an owner’s title insurance policy in addition to our down payment. But isn’t the seller supposed to provide that?


First of all, let’s clarify between the owner’s and lender’s title insurance:

There’s no hard rule regarding who should pay for what insurance, as each state established it individually. That said, the lender’s title insurance is typically paid by the buyer, whereas the owner’s title insurance is up for debate.

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Date added: December 9, 2022

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