Would Owners Title Policy Cover a Refi?

So when I went to the lending office last week to give them the info on that IORR, ( w’2 , financial statement and told them not currently rented) they said as part of the refi that I would have to get title insurance (lenders presumably) AGAIN for the same property at the same bank.

I have some time before I have to refi.

Was going over my docs and see I bought an owners title policy when I bought the place, would that satisfy the banks requirement ? Wouldn’t my owners policy protect the bank as well as me ?

No, you will have to provide a lender’s policy for the bank, your old buyer’s policy is useless to them. It’s outdated and doesn’t cover the risks that a lender’s or ALTA policy covers.