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Cindy Davis
SD Home Source Realty - San Diego, CA

The seller pays for owner title policy in California, as well. There are some title costs affilitiated with securing a mortgage that the buyer does pay for.

Apr 13, 2015 11:06 AM
Debbie Gartner
The Flooring Girl - White Plains, NY
The Flooring Girl & Blog Stylist -Dynamo Marketers

Interesting. Here in NY, the buyer pays for it.  The fee is regulated by the state and is standard.

Apr 13, 2015 07:40 PM
Praful Thakkar
LAER Realty Partners - Andover, MA
Andover, MA: Andover Luxury Homes For Sale

Russ Ravary ~ Metro Detroit Realtor call (248) 310-6239 - it is not mandatory in MA. However, it's buyer who pays for it should they decide to go for it.

Apr 13, 2015 12:59 PM
Gabe Sanders
Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales - Stuart, FL
Stuart Florida Real Estate

It's negotiable here in Florida.  Different counties have different customary practices.

Sep 27, 2018 06:36 AM
Ajay Pandya
e-Merge Real Estate - Columbus, OH
Realtor Ajay Pandya

Oops... I got to see this.

Apr 17, 2018 10:33 PM
Debbie Reynolds, C21 Platinum Properties
Platinum Properties- (931)771-9070 - Clarksville, TN
The Dedicated Clarksville TN Realtor-(931)320-6730

It is a buyer expense but is mostly negotiated as seller to pay as an incentive to buy.

Feb 08, 2017 08:22 PM
Evelyn M Epperson
Coldwell Banker Residential Brokerage - Johns Creek, GA
A Tradition Of [Excellence, Trust & Service]

In GA.  you can ask in the contract for the seller to pay or the buyer pays.

Apr 14, 2015 06:07 AM
Michael Jacobs
Pasadena, CA
Los Angeles Pasadena 818.516.4393

Hi Russ - in Southern California, the seller typically pays for the owner's title insurance policy and I believe it's handled differently in Northern California. The buyer will be required by their lender to have a policy to cover the loan amount.  That said, everything in real estate is negotiable.

Apr 14, 2015 04:15 AM
Jeanne Gregory
RE/MAX Southwest - Sugar Land, TX
The most important home I sell is YOURS!

It's a choice in the Texas contract, but customary for the seller to pay.  However, in this hot market, I'm seeing some sellers refusing to do so.


Apr 13, 2015 11:16 PM
Barbara Todaro
RE/MAX Executive Realty - Retired - Franklin, MA
Previously Affiliated with The Todaro Team

buyer pays for the title policy in Massachusetts.....

Apr 13, 2015 10:28 PM
Joe Pryor
The Virtual Real Estate Team - Oklahoma City, OK
REALTOR® - Oklahoma Investment Properties

Completely negotiable in Oklahoma. What is "customary", and I detest that word" is contracts that ask for the seller to update the abstract which we have here, do the title opinion and gap check, and then the buyer pays the title insurance.

Apr 13, 2015 10:23 PM
Jeanne Feenick
NextHome Premier - Basking Ridge, NJ
The Agent you choose REALLY does make a difference

Ditto, here in NJ it is a buyer's expense, and one of the biggest expenses among closing closts. Fees are regulated here as well.

Apr 13, 2015 10:13 PM
Lise Howe
Keller Williams Capital Properties - Washington, DC
Assoc. Broker in DC, MD, VA and attorney in DC

in Maryland, DC and Virginia, the buyer pays for the title insurance. Interesting how different things are around the country

Apr 13, 2015 09:42 PM
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

Russ, I find this interesting. In  NC and SC, the buyer pays for their own title policy unless it's negotiated otherwise upfront. It is a policy for the buyer and their lender, afterall.

Apr 13, 2015 09:02 PM
TeamCHI - Complete Home Inspections, Inc.
Complete Home Inspections, Inc. - Brentwood, TN
Home Inspectons - Nashville, TN area - 615.661.029

 If I am correct, the buyer pays for it here in Tennessee.

Apr 13, 2015 07:07 PM
Debbie Laity
Cedaredge Land Company - Cedaredge, CO
Your Real Estate Resource for Delta County, CO

It's typically a charge to the seller in my market. If the buyers wants extended coverage that can be negotiated as to who will pay for it. 

Apr 13, 2015 02:31 PM
Evelyn Johnston
Friends & Neighbors Real Estate - Elkhart, IN
The People You Know, Like and Trust!

The seller pays for the owners policy and the buyer the lenders policy.  Yes, there are recording fees, closing fees, deed prep fees, etc.

Apr 13, 2015 01:49 PM