Singular vs Plural Possessive

I’m writing an article about title insurance. There are two types of title insurance policies: an owner’s policy and a lender’s policy. If I were talking about specific policies belonging to specifc owners, I would call them owners’ policies. For example, “The owners’ policies gave them piece of mind when the housing crisis hit.” But if I’m just talking about those types of policies in general, I think I would call them owner’s policies. For example, “In the past year, owner’s policies have increased slightly in price, while lender’s policies have seen a more significant increase.”

Is my thinking correct that in the latter case, I am talking about a type of policy rather than policies belonging to multiple owners so I would use the singular possessive? Or am I wrong and because the noun is plural, the possessive should be plural as well?

There’s a way to avoid the issue altogether: refer to them as “owner policies” and “lender policies”. If you do that consistently, no one will get pedantic about you.

It seems to me that increasingly the solution editors use is to treat the plural as an attributive. I’m pretty sure I remember either the AP or Chicago style guide recommending “drivers license” without an apostrophe. My license from the State of California is labeled “driver license,” following Giles’s suggestion. I don’t like either of these, because you wouldn’t write “children hospital” or “child hospital,” would you? But that’s the way it is.

I would probably pluralize and possessivize all uses, but that’s just me.