Who has the authority to insist on using a specific title agency or underwriter?

The reason the person paying the premiums holds the authority to insist on using a specific title agency or underwriter relates to the financial aspect of the transaction. In real estate transactions, the individual or entity responsible for covering the costs typically has more influence over which title agency or underwriter is engaged. This is because they are effectively controlling the selection of the service provider based on their preferences, needs, or perceived value for the cost of services.

While the other parties may have their interests or suggestions, it is ultimately the decision-maker in terms of financial responsibility who exerts the most authority in such matters. This concept underscores the importance of consumer choice in selecting services, contributing to the overall quality and satisfaction of the title insurance process.