Can a seller require me to buy title insurance from a particular company?
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?
Related mortgage terms
Last reviewed
September 10, 2026