Is it Worth It to Pay for Title Insurance ?

I believe title insurance is just another way to get your money and provide no real service. I have seen properties change hands with a different legal then the Seller was Selling.
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Title Reports cover a Legal Description supposedly and not an address, property type or certain acreage.
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I have seen the Title Report / Title Insurance Miss huge debt / liens on a property. I had to bring it to their attention, Shocking But True.
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And some Realtors PUSH for you to buy an additional title insurance for the time of escrow, apparently some Title Companies are too lazy or don't include in their HUGE fees to check for debt more then once, so they check in the begining, and hope for the best. If you want them to check before the Actual closing then you have to pay more. Kind of makes a good case for a quick closing.
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If this is NOT true then why sell an additional Title Insurance for the time of escrow in case there is other debt. Seriously I had a Seller that was buying in Washington, the Listing Realtor was in Idaho but the property was in Washington, she, the Realtor tried to make the buyer pay for additional Title Insurance to cover the escrow period.
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Talk about Scams. And why was the Realtor even involved in pushing MORE Title Insurance on to the Real Estate Consumer.

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