I believe you are referring to all the closing costs rather than just the Title Insurance Policy. Excluding transfer taxes and recording fees which are non-negotiable and excluding the Title Insurance Policies. The fees for the services provided by the Title company normally run about $700-1000. This includes the title search, title examination, deed preparation. legal fee, etc. There are normally two Title Policies, an owners and a lenders policy. The lenders policy is manditory if you have a mortgage. The owners policy is optonal but a prudent person will get it. It is a very inexpensive way of protecting against Title issues, which are more common than most people imagine. The premiums on these policies are regulated by the Maryland Insurance commission. They do not vary very much from one Insurance underwriter to another as it is a competetive market. If you are buying an expensive home, say over $400K, and you plan on buying both policies, the Title Company might discount their services a bit because as an agent for the insurance Underwriter they also earn a commission on the Title Policies. I hope this answers your question.
Advance Realty Timonium