Each state and even local area has different customs.
The best thing for you is to have your Realtor ask someone, probably the escrow or title company, to prepare "Estimate of Seller's Net Proceeds". That will list all of the expenses and who pays what. Once you have the estimate, then you can decide what the extra fluff is and negotiate.
The title insurance is to protect the seller from title claims from the buyer....sort of reverse insurance. Instead of protecting the seller from what might happen, it protectts the seller from what has happened...the sale of the property, and warrants that the seller HAD clear title to sell theproperty to the buyer