Perhaps I am biased, as a Licensed Title Insurance ProducerJ, but I honestly think that Title Insurance is one of the BEST investments that someone could make. How many other lines of insurance do you pay for one time? How many lines of insurance pay for occurrences backwards? How many lines of insurance will provide up to a 40% discount? (Restrictions may apply) When you make one of the biggest investments of your life, you want to be sure, you want to “Insure” that it is protected. That is the point of Title Insurance. With an Owners Policy of Title Insurance you pay for the premium one time – through closing, as long as you remain the owner of the property, your policy remains in effect (depending on the level of coverage, your coverage could extend through your Estate). With owners coverage you are being insured for “unknown issues”. What I always try to educate both my business partners, friends and consumers about title insurance and the benefit there of – even if the actual dwelling is only 4 years old, someone had interest in the actual property at some point.. Title insurance protects the “interest” of the property. To say that you are purchasing a newly constructed home and therefore title insurance is not necessary seems rather odd to me... who owned that land prior to the builder? Are you sure that the chain of title for the transfer of interest before the builder was properly completed? To me, it is a no brainer – but hey, I am a #TitleNerd. I always say, when in doubt, speak with a professional!