Do I need title insurance in Texas?

In the standard Texas residential contract, the seller pays for the owner's policy and the buyer pays for the lender's policy, but this can be negotiated. Check your contract.

You can choose your title company. Premiums are set by the state, so the price of the policy is generally the same, and the differences are service quality and fees such as escrow charges.

A survey shows the property's boundaries, the position of the house and other improvements, and easements or encroachments. It can reveal issues such as a fence on the wrong side of the line or a structure that crosses an easement.

It depends on the contract. The seller may provide an existing survey, or the buyer may pay for a new one. Confirm the contract's survey option and ask your title company whether an existing survey will be accepted.