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Buyer’s need to Understand Title Insurance Commitment’s
This article was originally posted by a REALTOR® in Texas.  Nevertheless, the information is relevant for buyers in Oklahoma who are trying to understand their title opinion.
Keep in mind, however, that you cannot get title insurance on the mineral estate. 
Title insurance was only ever intended to cover the attorney's opinion regarding the surface estate.
What gets confusing for me is that even when a property is being conveyed in fee simple, the title insurance will make an Exception in Schedule B of the title insurance policy regarding the oil, gas & other minerals.
So if you want to know for sure whether or not you are getting oil, gas, and other mineral rights, be sure to get an opinion regarding the mineral estate from an oil & gas attorney.  Many real estate attorneys in Oklahoma also have this kind of expertise.
In Oklahoma the abstract companies will prepare separate mineral abstracts when the minerals have been severed. 
If the land is being conveyed in fee simple, then you will have to pay extra to have the abstract certified for the minerals in addition to the surface documents.  Then when your attorney looks at the abstract, he can render an ... more

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