The U.S. title-insurance industry faces increasing pressure from regulators to justify the fees charged to consumers for ensuring they have clear ownership of their homes, Title insurance can range from several hundred to several thousand dollars!
So here is what you do. Early in the process of buying a home or refinancing, let your real-estate agent and lender know you will select your own title insurer. Research title-insurance costs online and check whether there are fees on top of the premium (in many states, consumers pay separate fees to the agents for that research, on top of the premiums).