The seller pays for the title search to assure there are no liens or defects in title.
Hope this helps!
There are different types of owner's title insurance as well. Some companies offer Mechanic's Lien coverage as part of the "Standard" (less expensive) policy while others only offer it as part of the "Enhanced" (usually 20% more expensive) policy.
Most buyers I work with get the "Standard" owner's title insurance policy, which has Mechanic's Lien coverage along with it. This is the case because my buyer's settlements typically take place at one particular title company here in Ashburn and the company they use for title insurance policy is very fair and offers Mechanic's Lien coverage as part of their "Standard" policy.
Consult either the settlement company/agent where you're settling or call around to various settlement companies/agents to get quotes on what title insurance policies they offer and how much they cost. You can also ask your real estate agent (if you're using one) to get you this info in order to save you time and energy.
Let me know if I can be of any other help.