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Typically, the buyer pays for their lender's title insurance policy as a closing cost. Owner's title insurance (which is not usually required) is often paid for by the seller as part of the offer negotiation.Who pays title insurance buyer or seller?
Whether the buyer or seller pays for title insurance depends on the county, not even on the state. Usually, though, the seller and buyer may split owner's title insurance premium and the buyer pays for lender's title policy.