The developer pays for a title search to determine that they are conveying a free and clear title to the property. But, the developer does not buy or pay for an owners title insurance policy. As a buyer, you can buy a title insurance policy, but it is optional. If you don't have title insurance, the developer will still be legally responsible to correct any title issues that may occur in the future, but you may need to sue them to get them to comply. With title insurance, the insurance company will be responsible for correcting mistakes or other title issues.
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