question for you. plus, title insurance policies

I didn't follow previous post.  question for you. 



what is your loan amt?  that's the key.



FYI,



there are 2 title insurance policies:   owner's policy and lender's policy





####################PURCHASE####################REFINANCE

Owner's Policy#########yes (一般由Seller 付)############no

Lender's Policy#########yes*(一般由Borrower 付)########yes (由Borrower付)



* 注：现金买房则不需要