[suebanj]

Hi Boomer DeBack...
After closing, you will as a buyer get the actual title policy. You'd be surprised at the number of title issues there can be here in TV. Unfortunately, here we do deal with alot of estates and sometimes the families don't realize the proper steps with probate, etc. That's why it's so important to have the title insurance. Also, with title insurance, you'll be made aware of any encroachments on your property.
As to the home inspection, I can't think of any reason not to have one. As with any contract, you can attach riders on to it with any wording that you and the seller agree on. I've seen contracts fall apart after inspections with the buyer not losing their down payment. But, with the newer homes here, the inspections usually come out fine with just minor comestic things.
The Seller does complete a sellers disclosure statement which you will get a copy of prior to closing...
Hope this helps and come on down...It's great living here in The Villages!
Sue