Buying any place to live in can be a challenge, then add the expense of the title insurance, which in Texas is the 5th highest in the U. S.   It can be almost 1% of the sales price.  Often paid by the seller, but can be negotiated between the buyer and seller.  No legal outlet for price competition, so nothing passed on to the buyer or seller.  Texas requires the most comprehensive plan, so no choice for a cheaper option.  In no other corner of the Texas economy is a product’s peculiarity and high demand viewed as an excuse to hide from the competitive market.  WHY IS TITLE INSURANCE SO DIFFERENT?