[graciegirl]

I know that there has been a previous discussion about Title Insurance and I also want to point out that Sweetie and I are NOT property virgins. (If you don't watch HGTV, you may not know that a "property virgin" is someone with very little experience in buying or selling their home.

ANYHOW. In the previous thread, it was the consensus of opinion to get Title Insurance. Period. Always get it. Amen. End of discussion.

It is not cheap. It is $1200.

My first reaction is that we certainly would not need it, since the developers of TV have a clean business reputation and this is a brand new house and we are NOT having a mortgage.

I am very thrifty. I am also very conservative financially.

A title that is not clear could have a contractor's lien against it, but that seems unlikely somehow, as big an operation as The Villages is, and the ongoing clearing and building being so widespread. People don't work for people that don't pay their contractors, and I would assume that this is a little town and word would get around if TV didn't pay.

Am I being dumb about this? My husband said to ask all of you for your opinion (again)and we will know enough to make an informed choice.

I would like to reiterate that if it was anyone but The Villages,(One of the largest and financially sound builders in the country, by all accounts,) there would be no question but to buy Title Insurance. We always have before. Eight times.