Can a seller require me to buy title insurance from a particular company?
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Short answer
No. A seller may not require you to buy from a particular company as a condition of selling the home. The CFPB attributes that limit to the Real Estate Settlement Procedures Act (RESPA).
Full explanation
The CFPB says a seller cannot make the sale depend on buying title insurance from a company the seller names. Under RESPA, that requirement is not allowed, whether it is stated directly or applied indirectly.
The Bureau's answer is limited to that seller-direction rule. It does not decide who pays for an owner's or lender's title policy, or which company a buyer may choose when shopping.
Sources reviewed
The seller told me I have to purchase title insurance from a particular company or they won't sell me the house. Can they do this?
Limits
Educational summary of public sources. Not personalized advice. The original official source controls where applicable.
Last reviewed
September 10, 2026
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