I don't know if this is unique to my area, but most of the time here, a seller pays for owner's title insurance for the buyer. [BTW, I would NEVER mention this at a signing (with either buyer or seller), because I believe it's a matter of negotiation between parties and their representatives - and it's not always so.] With a refi, a borrower might not care about owner's insurance - especially if they've been in the home for a long while - because it's most likely (unless there's been some fraud) that any liens against the property were the result of their own actions.
As for business cards, I nearly always leave one, as well. However, I can only remember a couple of times that someone later called me with a question about their loan or documents. Maybe it's my area. Lots of people I meet are pretty savvy about the process and know better. The ones who don't (generalizing here...) may be the ones who also have questions at the table and I often find myself saying to people "That would be a good question to direct to your lender contact or broker". I have no idea if that makes a difference. Could just be luck of the draw.
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