That is a good point, but it was terribly misleading to show the full cost of the owners policy and the full cost of the loan policy.  Maybe they need some way to show them both, e.g. The cost of the owner's policy and loan policy is $675.00, or the cost of the loan policy only is $400.00.  

I am in an area where the owner's policy is frequently not purchased.  As an attorney, I always recommend it.  Around here it has customarily been a buyer's expense, but I encourage my seller-clients to split the premium with the buyer in a lot of cases.  It would be nice if the owner's policies became the norm. 

Best,
Robert A. Franco
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