Just because title insurance was purchased when I bought my home doesn't mean I can assure a buyer the title is still clear. The buyer will want third party verification (title insurance) because there could be claims on my home subsequent to my purchase.
Title insurance is not a guarantee there are no existing claims. It insures you against any claims. The title insurance companies go to great lengths to to make certain there are no claims.
I was an agent/broker in Florida some years ago and, frankly, I can't remember who "customarily" pays for the title insurance.
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