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Swapped owners and lenders title insurance costs, which is correct?

This is an answer I’m going to find out tomorrow when I talk to our lending agent, but what can I say, I’m impatient.

We close on our purchase Wednesday. All of our prelim CDs had this for title insurance costs:

Lender: $2,731 Owner: $470

However, the settlement statement I just got says:

Lender: $300 Owner: $3200

Our realtor is pretty sure they got switched in the settlement statement, and it’s actually:

Lender: $3200 Owner: $300

We are in Florida, so the rates are set by the state, but I can’t figure out how to calculate it that way.

Can anyone say they feel confident that lenders title insurance is always much more than owners, and the settlement statement is the wrong version? Or vice versa?

This is important because $300 is a no brainer to pay for owner protection, but $3200...we may just take a gamble and waive it. But I’m guessing it’s the $300.

submitted by /u/daphnedewey
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source https://www.reddit.com/r/RealEstate/comments/mg3uoy/swapped_owners_and_lenders_title_insurance_costs/
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