It appears the reason some people don't want to buy title insurance is because of the cost. It also appears that there is a huge discrepancy between posters on what they are paying for this coverage. We checked the rates for Florida on the internet and found the following:
$0-$100,00 - $5.75 per $1,000
Over $100,000 up to $1 Million - $5.00 per $1,000
Title insurance for a new home purchased for $250,000 and financed would cost $1325.00.
Steep but worth in it for the peace of mind.