[villages07]

I bought new a year ago without a mortgage and opted not to purchase title insurance. It would have been about $1,700. I asked around, did some web research, and came to the conclusion that if I have title problems then so do all my neighbors. I just figured it was pretty low risk on a new home. On a resale, there is more risk. I got quotes from several other companies other than the one the Villages uses but rates were pretty much the same. I believe FL sets rates. So, it's a matter of personal aversion to risk, past experience, etc.