The Auction.com contracts all state that the seller will not pay for an owner's policy of title insurance. Linear Title slides one on the buyer side of the HUD without EVER asking if the buyer wanted it. On the day of closing, I was told that they would need to get a new deed if we don't want the title insurance and we should have told them when their legal dept. asked for marital status for deed prep. Never asked if we wanted to pay for the insurance. Told me that the seller would not grant a General Warranty Deed without the owner's policy being purchased. The Deed was prepared several weeks before the closing... and at closing we are told they would need a new deed and the seller might not sign one? This is a shady way of adding premium dollars to their pockets. I am a Realtor and have worked in the title industry for years... BEWARE!