Idaho has no law dictating who pays for title insurance, so it follows local custom and, ultimately, your purchase-and-sale agreement. Customarily the seller pays for the owner’s policy (protecting the buyer’s equity), the buyer pays for the lender’s policy required by their loan, and escrow fees are split between the parties. Because it’s custom rather than law, every piece is negotiable in the contract. Kootenai Title Company reviews your agreement and gives you a clear breakdown before you sign.