For all the years in The Villlages I have never heard of a claim against the title. Now can it happen, of course, but knowing this operation I would suspect the chances are remote. From a national perspective if you look into title insurance, it is a cash cow for most companies that offer it .
Bottom line if you are buying NEW from the villages , it most likely is not needed. Before you go to closing I would suggest you ask for a "Contractors Sworn Statements to Owner and Final Release of all Liens"....The Villages will provide you this at closing or shortly afterwards.
If you are buying resale from a home owner, then you may want to seriously consider Owners Title Insurance ....which is different than what the bank requires. An remember the insurance amount is only the the amount of the loan...not the value of the house itself.
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