[Boomer]

We have not bought anything yet, but I am going to throw my opinion in here anyway.....

Banks require title insurance. Cash buyers will sometimes decide not to get title insurance because they do not have to. Cash buyers need to remember that they are the bank.

(But hey, I never pretend to have the definitive answer. I just like to think about things to think about. I play the stock market, but I have title insurance.)

Be sure to look at 784Caroline's post earlier in this thread. Caroline says that there are affidavits (with subs' signoffs) available to buyers of new homes if they request them in advance of closing. That's a really good piece of information to know. And whether you decide to buy title insurance or not, I think it would be wise to request those affidavits.

But what do I know. So please do not lie awake staring at the ceiling all night if you do not have title insurance.

Boomer