Home buyers are often surprised to discover additional costs to purchasing a home, beyond the sales price.  One of those costs is the title insurance.  Every home purchase that involves a mortgage loan will also include the cost of title insurance.  What most home buyers do not know is that title insurance is purchased by the buyers to cover the loan companies loss.  That's right, the home buyer pays for an insurance policy to cover the mortgage company's possible loss This is known as a lenders title policy.  If the Buyer wants to cover their own equity in a home purchase, they must pay for an additional policy, called a Buyers Title Insurance Policy.  Of course, that is one of those additional expenses that are often not considered when buying a new home.  Realty Times has an article about Title Insurance that provides more information.  CLICK HERE to read the article.