So how does this reconcile with decades of ALTA advertising, "Buy Owner's Title Insurance for a small additional premium..."  So now we will disclose the full owner's premium, which in most states is not mandatory, show the mortgage policy at $100 or so, have the buyer walk in to the closing and decide they don't want the owner's policy, but do want the $100 mortgage policy, only to find out that isn't going to happen, and the closing now is postponed for new delays for disclosures... Guess we need to make Owner's mandatory in this state.