I don't think it's very common. But even if it is, common does not mean expensive. > Property/casualty lines of business typically experience pure loss ratios

I don't think it's very common. But even if it is, common does not mean expensive. > Property/casualty lines of business typically experience pure loss ratios well above 10%, approaching 70% or higher at times. Title insurers historically have loss ratios in the 5% to 10% range. https://www.naic.org/documents/topics_title_insurance_brief.pdf https://www.naic.org/documents/topics_title_insurance_brief.... Also, 2017 in Texas 6% loss ratio. Other states are better in that they don't charge as much for the policy. However, loss ratios are still very low. https://www.texasobserver.org/entitled-to-profit-in-texas-title-insurance-is-a-total-scam/ https://www.texasobserver.org/entitled-to-profit-in-texas-ti...