The common split
In many Kansas City area contracts, the seller pays for the buyer's owner's policy and the buyer pays for the lender's policy their lender requires. Check the title insurance paragraph in your contract, because forms and local customs vary.
Negotiating title costs
Title costs can be part of the negotiation, along with seller concessions toward closing costs. A seller can agree to pay more, and a buyer can ask for it in the offer.
On a refinance or cash sale
On a refinance, the borrower pays for the new lender's policy. On a cash purchase there's no lender's policy, so only the owner's policy is in play.
Common questions
Can a seller refuse to pay closing costs?
Yes, unless the contract obligates them. Who pays what is set by what both sides sign.
How do I ask a seller to pay closing costs?
Through your agent, as part of your offer, usually as a seller concession.