Conversation so far:
who pays for homeowners policy of title insurance
The standard purchase contract does require that the seller pay for the owner's title insurance policy.
why does a seller usually pay for an owner's title insurance policy
This practice of the seller paying for the owner's title insurance policy is based more on custom than logic.
what is homeowner's title insurance
Title insurance can protect you if someone later sues and says they have a claim against the home from before you purchased it.

Question: are there other types of insurance
Self-contained rewrite: are there other types of insurance, besides homeowner's title insurance