Lets not confuse apples and oranges here! There are different types of title insurance depending upon if you have a loan or not and who it covers.
If you have a loan you will be required to get title insurance for the lender up to the amount of the loan not the purchase price of the house. Separate cost.
IF you have a loan and also want personal title insurnace after buying tite insurance for the bank..Separate cost...this personal insurance is much cheaper...in essence you are only covering you Down payment and future appreciation costs, if any!
If you are paying cash....one cost for title insurance....cost similar as if you are buying it from the bank. in essence you are covering the purchase price of the house therefore more expensive.
You need to know what you are buying and what it covers!
Title insuarnce (for the lender and personal) is totaly different than a title search which will also be a line item cost on your closing statement.
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