The owner's title insurance covers the owner's interests of the property and usually insures for the amount paid to purchase the property. The lender's title insurance covers the lender’s interests and is usually issued in an amount equal to the loan amount. At Preferred Title of Colorado, we are happy to guide owners through the title insurance fine print and coverage information. The lender maintains an interest in the property as long as there is an outstanding loan. Whenever a loan is issued for the financing of a property, the lender acquires an interest in the property for as long as the loan is outstanding. Typical, the seller buys the owner's policy and the buyer buys the lender's policy.