re: In Landmark decision, Jury Finds Realtors Conspired to inflate Commissions|$1.8 B verdict

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I loved paying thousands in title insurance to refi on a house I built, and had owned since there was a structure on it. Totally makes sense, considering when the title was researched when I initially took possession of a house I instructed a builder to build.

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You probably are referring to LENDER'S title insurance. The lender doesn't give a shite if you think the title is clear. They're not gonna lend you hundreds of thousands willy-nilly.

You don't keep buying owner's title on the same property over and over. You buy that once for your lifetime. But if you keep refinancing, you're going to keep paying lender's title insurance, same as you're going to keep paying for origination fees, appraisals, courthouse recording, etc.