In the standard purchase contract for a home however the seller pays for the cost of the owner's title insurance policy issued to the buyer and the buyer pays for the cost of their lender's title insurance policy issued to the buyer's mortgage lender.
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Location is the biggest factor in the cost of both lender and optional homeowner policies Every state holds title insurers to a different standard Some jurisdictions require more work from the insurer to verify the history of your title raising the cost of providing the title policy.