Who pays for title insurance?

State laws and customs vary on who pays for title insurance, but here’s who generally pays for title insurance:

  • Home buyers typically cover costs for lender’s title insurance as they are the one who is taking a loan from the mortgage lender.
  • The person who pays for owner’s insurance can vary. Sometimes, the seller could pay for the title policy as an offering to help with the sale of their property.

For more information on laws and customs in your specific state, download our State Laws & Customs Toolkit.