I was getting ready to debate you, but I'll admit that I'm mostly wrong about title insurance.

Special warranty deeds only cover the current seller, but title insurance can defend against prior ownership claims. I will note that just because title insurance guarantees they will defend against ownership claims, they don't guarantee it will be settled in a particular way. There's a theoretical possibility that an agreement can't be reached that keeps you in the house you thought you bought legally- like in this story the buyers got their money back but didn't keep the house that wasn't theirs https://www.thetitlereport.com/Articles/Title-Insurance-at-W...

> I will note that just because title insurance guarantees they will defend against ownership claims, they don't guarantee it will be settled in a particular way.

Of course, insurance doesn't guarantee you won't have a covered loss. Insurance compensates you if you have a covered loss.

When I've purchased real estate with title insurance, the offer from the title company has been pretty specific about what risks are covered, what risks are specifically not covered, and what the dollar limits are for covered losses. There's a lot of paperwork involved in purchasing real estate, but the title report and the title insurance offer are worth taking the time to read.

I've read the terms of title insurance and no, you can't hold them liable if it turns out you don't get the property as intended. It's basically useless.

It makes sense that you can’t hold an insurer liable for the very thing they are selling you insurance against. The insurance exists to make you whole if you, e.g. pay earnest money and then someone disputes your title.